Melbia Rose Thommanthony

Client : USAA

• Served as Auto Pricing Subject Matter Expert (SME) at USAA, orchestrating the hands-on migration and modernization of Auto LOB rating functionality from legacy Ratabase systems to the Earnix–Guidewire ecosystem.
• Translated complex legacy algorithms into scalable Earnix pricing configurations, hands-on configuring advanced Auto rating logic within Earnix Price-It, including Vehicle-Operator Assignment and Accident Forgiveness rating rules.
• Achieved 100% price-match Premium validation accuracy between legacy and modernized platforms, securing absolute precision and stakeholder confidence for enterprise policy migration.
• Architectured and Configured countrywide project framework within Earnix Price-It to standardize Auto underwriting evaluation across all states, configuring complex Underwriting Acceptability Assessment and Named Driver Exclusion rules
• Created and maintained modeling snapshots and linked projects to facilitate reuse of countrywide Rating rules across multiple implementations.
• Managed end-to-end platform deployment and configuration architecture, utilizing Earnix Pricing Execution modules to define Rule IDs, and manage pricing version control
• Drove cross-functional delivery by converting business requirements into detailed technical specifications and executing rigorous end-to-end integration and unit testing alongside stakeholder teams.

Client : USAA

• Architected foundational actuarial support functions for the successful launch of Small Business Insurance products, leveraging deep personal lines pricing expertise to steer commercial lines entry.
• Engineered automated validation frameworks of Guidewire PolicyCenter Rates to verify rating accuracy against ISO Electronic Rating Content(ERC) for commercial lines, including BOP, GL, Inland Marine.
• Designed and deployed a centralized Filing Manager solution utilizing SharePoint and Power Automate, streamlining the end-to-end filing lifecycle and enabling seamless, audited collaboration between Product Managers and Actuarial Analysts.
• Modernized business workflows and reporting infrastructure using VBA, Excel, and Power Automate, significantly improving auditability, traceability, and regulatory compliance controls.

Client : USAA

• Served as a Personal Lines Actuarial Support Analyst for USAA, driving state rate reviews and pricing accuracy for high-volume Auto and Property insurance portfolios utilizing Radar pricing software.
• Executed critical core actuarial support processes, including Radar environment setup, Off-Balance Analysis, Rate Effects Analysis, and comprehensive Rate Accuracy Validation.
• Spearheaded the re-engineering of the Rate Making Indications Model during the complex FinPal data migration initiative, conducting large-scale data transformation, validation, and actuarial reporting to preserve pricing consistency.
• Engineered end-to-end VBA automation solutions for high-impact actuarial workflows, including Optimized Loss/Premium Trend, Loss Development Calculations, RSG Validation Checks, and Indications Reconciliation.
• Championed operational excellence by significantly reducing manual reporting cycles and mentoring team members on advanced actuarial support methodologies and analytical frameworks.

Client : USAA

• Provided technical and actuarial pricing support for Auto and Property insurance lines.
• Supported premium quote surveys, data calls, and state rate review filing activities.
• Automated the Premium Quote Survey process using VBA macros, improving turnaround time and reporting accuracy for regulatory filing documentation.
• Developed VBA-based solutions to automate premium surveys, REM report generation, and filing-support exhibit creation across multiple Lines of Business.
• Streamlined actuarial reporting processes by reducing manual effort and enhancing data consistency.