Cynthia Montgomery
Jeffersonville,IN
Summary
Highly-motivated employee with desire to take on new challenges. Strong worth ethic, adaptability and exceptional interpersonal skills. Adept at working effectively unsupervised and quickly mastering new skills.
Overview
24
24
years of professional experience
Work History
Group Underwriter II
Elevance Health dba Anthem Blue Cross Blue Shield
Louisville, KY
03.2016 - Current
- Reviewed and evaluated insurance applications to determine risk acceptability, coverage limits, and pricing.
- Developed and maintained relationships with agents, brokers, customers, and other stakeholders in the insurance industry.
- Evaluated policy changes requested by customers for accuracy and completeness.
- Identified potential areas of fraud or misrepresentation in insurance applications.
- Maintained up-to-date knowledge of state regulations related to underwriting guidelines and procedures.
- Coordinated with other departments within the organization to ensure efficient processing of applications and renewals.
- Conducted research into the history of applicants prior to issuing a policy.
- Participated in training programs designed to increase knowledge of underwriting techniques.
- Collaborated with team members on complex cases requiring special attention.
- Advised management on issues related to underwriting practices or procedures.
- Analyzed risk and adhered to underwriting standards to drive risk selection and profitability.
- Followed underwriting guidelines in developing rates for new and renewal groups.
- Worked with colleagues to review, accept or deny new and renewal business.
Group Underwriting Analyst
Elevance Health dba Anthem Blue Cross Blue Shield
Louisville, KY
08.2011 - 03.2016
- Prepared groups for renewal process. Ran claim/income ratio reports, membership reports, claims reports for analysis.
- Reviewed all Kentucky exception requests using underwriting guidelines and corporate procedures.
- Assisted ASO, large and small group with inventories.
Implementation Coordinator
Elevance Health dba Anthem Blue Cross Blue Shield
Louisville, KY
07.2009 - 08.2011
- Review all new group applications, group tax documentation, employee applications for accuracy.
- Contacted broker for missing information needed in order for the group to be underwritten.
- Establish and maintain working relationships with outside brokers and internal departments.
- Once group was underwritten, submitted final rates to broker for group signature, obtained binder check and submitted group to processing. Once group was processed, sent welcome letter to the broker.
Enrollment and Billing Auditor
Elevance Health dba Anthem Blue Cross Blue Shield
Louisville, KY
10.2005 - 07.2009
- Audited all employee and employer enrollments for accuracy in accordance to enrollment and Anthem corporate policies.
- Create error logs for each processor for management use.
- Educated processors in proper procedures.
- Provided training for enrollment processors in accordance to enrollment and corporate policies.
Enrollment Representative
Elevance Health dba Anthem Blue Cross Blue Shield
Louisville, KY
10.2000 - 10.2005
- Processed all new group and subscriber applications with 100% accuracy.
- Ensured all data entry was accurate for auditing.
- Prescreened all employer and employee applications to calculate effective date and pre-existing waiting period. Contacted broker or group to obtain illegible or missing information.
- Answered customer service calls relating to enrollment.
Customer Service Representative
Elevance Health dba Anthem Blue Cross Blue Shield
Louisville, KY
09.1999 - 10.2000
- Maintained detailed records of customer interactions, transactions and comments for future reference.
- Performed administrative tasks such as filing paperwork, updating databases and generating reports.
- Resolved complex problems by working with other departments to provide solutions that meet customer needs.
- Answered incoming calls and emails, providing frontline customer support or assistance with product and service transactions.
- Remained calm and professional in stressful circumstances and effectively diffused tense situations.
- Demonstrated excellent communication skills in resolving product and consumer complaints.
- De-escalated problematic customer concerns, maintaining calm, friendly demeanor.
- Answered inbound calls to facilitate customer service.
Education
Bachelor of Arts - Interdisciplinary Social Sciences
Spalding University
Louisville, KY05.2007
Associate of Arts - Liberal Studies
Jefferson Community Adult School
Louisville, KY05.2003
High School Diploma -
Coconut Creek High School
Coconut Creek, FL06.1982
Skills
- Loss Protection
- Analyzing Data
- Renewing Policies
- Profitability Optimization
- Building Strong Relationships
- Client Relationship Building
- Application Review
- Quality Assurance
- Data Collection
References
References available upon request.
Timeline
Group Underwriter II
Elevance Health dba Anthem Blue Cross Blue Shield
03.2016 - Current
Group Underwriting Analyst
Elevance Health dba Anthem Blue Cross Blue Shield
08.2011 - 03.2016
Implementation Coordinator
Elevance Health dba Anthem Blue Cross Blue Shield
07.2009 - 08.2011
Enrollment and Billing Auditor
Elevance Health dba Anthem Blue Cross Blue Shield
10.2005 - 07.2009
Enrollment Representative
Elevance Health dba Anthem Blue Cross Blue Shield
10.2000 - 10.2005
Customer Service Representative
Elevance Health dba Anthem Blue Cross Blue Shield
09.1999 - 10.2000
Bachelor of Arts - Interdisciplinary Social Sciences
Spalding University
Associate of Arts - Liberal Studies
Jefferson Community Adult School
High School Diploma -
Coconut Creek High School
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