Dezariyah Richard
Ellicott City,USA
Summary
Experienced insurance professional specializing in underwriting and risk assessment. Skilled in sales and customer service, utilizing strong communication and negotiation skills to drive results. Bilingual and proficient in CRM software, delivering customized solutions that improve client satisfaction and retention.
Overview
7
7
years of professional experience
1
1
Certification
Work History
Underwriter
California Fair Plan Association
Ellicott City, USA
12.2024 - Current
- Assessed applicant's financial status, credit history, and other relevant information to make informed decisions on insurance policies
- Analyzed and evaluated insurance applications to determine the level of risk involved
- Verified accuracy of underwriting data to ensure compliance with company guidelines and industry regulations
- Utilized underwriting software systems to process applications efficiently and accurately
- Communicated underwriting decisions clearly and effectively to internal stakeholders and external clients
- Maintained up-to-date knowledge of industry trends, market conditions, and regulatory changes affecting underwriting practices
- Provided insights for development of underwriting guidelines based on thorough risk assessment analysis
- Performed risk analysis by evaluating property value, liability exposure, loss history, and potential hazards
- Managed a high volume of incoming insurance applications while maintaining accuracy in decision-making processes
- Collaborated with sales teams to provide guidance on acceptable risks based on thorough evaluation criteria
- Developed strong relationships with key stakeholders such as agents, brokers, and customers through effective communication
Licensed Property and Casualty Insurance Agent
Progressive
Ellicott City, USA
12.2023 - 12.2024
- Acted as a licensed property and casualty sales agent for Progressive's PAA division, specializing in selling bundled home and auto insurance policies and various specialty products, including RV, motorcycle, boat, and rental property coverage.
- Delivered personalized insurance solutions by assessing customer needs, identifying coverage gaps, and recommending policies that align with protection goals and budget.
- Built strong rapport, employed active listening, and utilized a consultative sales approach to empower customers in making informed decisions about their coverage options.
- Utilizing advanced quoting tools and CRM systems, I manage a high volume of inbound and outbound sales interactions, consistently meeting or exceeding performance targets.
- Navigated underwriting guidelines, state-specific regulations, and compliance protocols with accuracy and professionalism to ensure adherence and risk management.
Property and Casualty Agent
Farmers Insurance Group
Tampa, USA
01.2022 - 10.2023
- As a Property & Casualty Insurance Agent at Farmers Insurance specializing in Foremost Specialty Direct, I provided tailored insurance solutions for mobile homes, manufactured homes, landlord rental, vacant, and standard homeowners policies.
- Delivered exceptional customer service throughout policy lifecycle by managing quotes, endorsements, renewals, and claims support while utilizing Salesforce CRM for client interactions, tracking leads, and ensuring timely follow-ups.
- Identified customer needs, explained complex coverage options, and resolved inquiries efficiently, contributing to strong sales performance and high retention rates.
- Collaborated cross-functionally to stay updated on underwriting guidelines, policy changes, and compliance requirements, providing accurate information and meeting sales and service benchmarks in a fast-paced environment.
Apple Technical Support Advisor
Apple
Tampa, USA
10.2022 - 01.2023
- Provided expert-level support to customers by troubleshooting and resolving technical issues related to Apple products, including iPhones, iPads, and Macs.
- Delivered clear, empathetic guidance via phone, chat, and email, ensuring seamless, personalized support for each customer.
- Utilized deep product knowledge and strong problem-solving abilities to translate complex technical concepts into simple, user-friendly language.
- Consistently met or exceeded performance metrics in customer satisfaction, resolution time, and first-contact resolution while upholding Apple's service excellence and brand integrity.
Customer Advisor Specialist
Concentrix
Tampa, USA
05.2020 - 05.2022
- At Concentrix, I supported the Robinhood financial services platform by delivering high-quality customer support and compliance services across multiple departments.
- I began by assisting users through the application process, guiding them through onboarding requirements, and addressing inquiries via Salesforce, email, and chat in a timely and professional manner.
- Crafted clear and compliant communications to users, handled case escalations, and coordinated cross-functionally to support seamless customer experiences while upholding Robinhood's commitment to safety and compliance.
- As I advanced, I transitioned into specialized departments focused on global sanctions review, passport and ID verification, and fraud prevention, ensuring that user accounts met strict regulatory and security standards.
- My role required strong attention to detail, discretion with sensitive user data, and adaptability in a fast-paced, evolving fintech environment.
Licensed Health Insurance Agent
HealthPlanOne
Tampa, USA
04.2021 - 01.2022
- As a Health Insurance Agent at Health Plan One, I specialized in assisting Medicare beneficiaries in understanding and maximizing their health insurance benefits through personalized plan recommendations.
- Guided clients through plan comparisons, eligibility requirements, and enrollment processes for Medicare Advantage, Medicare Supplement, and Part D Prescription Drug Plans, ensuring clarity and confidence in their choices.
- Identified best policy options based on clients' needs and product knowledge, facilitating optimal coverage and cost savings.
- I consistently met or exceeded sales targets in a high-volume, compliance-driven environment, while maintaining accurate records and follow-ups using CRM systems.
- Utilized strong communication skills and attention to detail to enhance client satisfaction and foster long-term retention through ethical sales practices.
Cricket Wireless Authorized Dealer
Bilingual Authorized Retailer
Tampa, USA
12.2019 - 11.2020
- I consistently exceeded sales goals through personalized service, product demonstrations, and proactive outreach both inside and outside the store to drive traffic and build customer relationships.
- Delivered bilingual customer service and sales support in English and Spanish, assisting diverse customer base with device selection, plan activation, troubleshooting, and account management.
- I consistently exceeded sales goals through personalized service, product demonstrations, and proactive outreach both inside and outside the store to drive traffic and build customer relationships.
- Managed daily operations in fast-paced retail environment, independently opening and closing store, handling cash, and maintaining accurate inventory to ensure smooth operations.
Verizon Wireless Sales Representative
OneTouch Direct
Tampa, USA
06.2019 - 12.2019
- Provided personalized customer support and sales assistance by helping clients select phones and devices that suited their lifestyle, preferences, and budget, enhancing customer satisfaction.
- Guided customers through device features, pricing plans, and promotions with patience and product expertise, ensuring convenience and addressing a wide range of needs.
- My ability to build rapport, actively listen, and recommend tailored solutions contributed to consistently meeting sales targets and enhancing the overall customer experience.
- Strengthened multitasking, effective communication, and closing sales skills in a high-volume, customer-focused environment while maintaining a professional and empathetic approach.
Education
Criminal Justice -
Towson University
Towson, MD03.2026
Arts (AA) -
Howard Community College
Columbia, MD05.2025
High school or equivalent -
C.Leon King High
Tampa, FL05.2019
Skills
- Communication skills
- Risk assessment
- Underwriting expertise
- Policy analysis
- Relationship management
- Claims evaluation
- Microsoft Office proficiency
- Data analysis
- Portfolio management
- Loss mitigation
- Underwriting guidelines
- CRM utilization
- Bilingual communication
- Negotiation skills
- Salesforce
- Regulatory compliance
Certification
- Property & Casualty License
- Insurance Producer License
- Apple Certified Mac Technician
- Health Insurance License
- Commercial Lines License
- CPA
- Google Analytics Certification
- Certified Scrum Master
- Driver's License
- Salesforce Certification
- Life & Health Insurance License
- Food Handler Certification
Personal Information
- Relocation: Maryland
- Work Permit: Authorized to work in the US for any employer
Timeline
Underwriter
California Fair Plan Association
12.2024 - Current
Licensed Property and Casualty Insurance Agent
Progressive
12.2023 - 12.2024
Apple Technical Support Advisor
Apple
10.2022 - 01.2023
Property and Casualty Agent
Farmers Insurance Group
01.2022 - 10.2023
Licensed Health Insurance Agent
HealthPlanOne
04.2021 - 01.2022
Customer Advisor Specialist
Concentrix
05.2020 - 05.2022
Cricket Wireless Authorized Dealer
Bilingual Authorized Retailer
12.2019 - 11.2020
Verizon Wireless Sales Representative
OneTouch Direct
06.2019 - 12.2019
Criminal Justice -
Towson University
Arts (AA) -
Howard Community College
High school or equivalent -
C.Leon King High