Kai Kioko
Irvie,CA
Summary
Accomplished Risk Management Advisor and Underwriting Manager at Cigna Healthcare, adept in leveraging advanced market knowledge and underwriting methodology to drive profitability and efficiency. Demonstrated resilience in negotiations and a commitment to customer focus, significantly enhancing team performance and operational workflows. Skilled in mentoring and deploying technology solutions for streamlined processes.
Overview
28
28
years of professional experience
Work History
Risk Management Advisor
Cigna Healthcare
01.2012 - Current
- Performs case-specific risk assessments, evaluates claim experience, and analyzes total case profitability.
- Help short-term goals and long-term strategic plans to improve risk control and mitigation.
- Mentoring new hires and/or underwriters in during daily interactions, and takes on team lead activities including support for
- Understanding the market across multiple buying segments, including competitors, TFs, discounts, pricing/product strategy, presales & renewals.
- Assists in solving unique and complex problems that have a broad impact on the business
- Manages an increased and/or more complex book of business. I use my advanced market knowledge to influence my sales partners. Proactively manages my portfolio. Strong understanding of the market approach and strategy, and how that fits into the goals of the buyer group and enterprise.
- Advanced knowledge of products, systems, and underwriting methodology, used as SME training resource for internal/external partners. Recommends strong case strategy using RBAs and investment as a reflection of the projected risk and released cases at my maximum LOA.
- Demonstrate the ability to own, negotiate, and drive communication with internal matrix partners and manager in order to own the decisions for their portfolio. Also use my abilities to independently explain thought process and UW rationale to matrix partners and external partners.
Underwriting Manager
Cigna Healthcare
02.2007 - 12.2011
- Ensured efficient workflow management by establishing clear priorities and monitoring progress of team members regularly.
- Conducted regular performance reviews for team members, fostering professional growth and promoting a culture of continuous improvement.
- Championed ongoing education efforts by organizing seminars, workshops, or webinars to stay current on industry trends and advancements.
- Implemented technology solutions to automate various underwriting tasks, increasing efficiency and reducing manual errors.
- Reduced loss ratios while maintaining competitive rates through diligent risk selection and adherence to company Policies
- Proactively identified areas for process improvement within the department, implementing changes that led to increased efficiency across teams.
- Maximized revenue generation by optimizing pricing strategies based on risk profiles.
- Collaborated with sales teams to drive profitable growth and maintain strong relationships with key clients.
- Collaborated with Great West Team members to ensure a smooth merger between Cigna Healthcare and Great West.
Underwriter
Cigna Healthcare
01.2000 - 12.2007
- Analyzed new business opportunities, as well as renewals to maximise growth and earnings opportunities
- Assessed complex commercial insurance risks, making informed decisions on appropriate premium rates.
- Facilitated cross-functional collaboration between departments, resulting in improved communication and streamlined workflows.
- Contributed to overall departmental goals by consistently meeting or exceeding individual performance targets.
- Collaborated with brokers to negotiate competitive pricing, ensuring client satisfaction and retention.
- Stayed current on industry developments and regulatory changes, ensuring compliance with relevant guidelines.
- Assisting in auditing presales and renewals to ensure compliance with financial and regulatory guidelines.
Underwriting Analyst
Cigna Healthcare
07.1996 - 12.1999
- Calculated policy year settlements for Underwriting review and ensured timely delivery of the settlements to brokers and clients, income and terms and payments to determine financial stability of applicants to repay
- Increased department efficiency by developing file and settlement automation
- Assisting in mentoring of new hires on underwriting policies and decisions.
Education
Bachelor of Arts - Political Science And Sociology
University of Connecticut
Storrs, CT05.1995
Skills
- Being Resilient during difficult negotiations
- Nimble Learning as new systems and technology are deployed
- Managing Ambiguity during various interactions
- Customer Focus
- Resourcefulness
- Managing Conflict during stressful situations
- Collaboration and effective negotiations
- Managing Complexity
Timeline
Risk Management Advisor
Cigna Healthcare
01.2012 - Current
Underwriting Manager
Cigna Healthcare
02.2007 - 12.2011
Underwriter
Cigna Healthcare
01.2000 - 12.2007
Underwriting Analyst
Cigna Healthcare
07.1996 - 12.1999
Bachelor of Arts - Political Science And Sociology
University of Connecticut
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