Kaitlin Rivera
Phoenix,AZ
Summary
Underwriter with experience evaluating property risk in a high-volume environment. Skilled in risk assessment, exposure analysis, and applying underwriting guidelines to real-time decisions. Proven ability to communicate underwriting decisions to agents and manage complex casework with accuracy and efficiency. Seeking to further develop within personal lines underwriting or transition into an entry-level commercial underwriting role.
Overview
12
12
years of professional experience
Work History
Fire Underwriter (Personal Lines)
State Farm
Tempe
08.2025 - Current
- Evaluate and underwrite property-related risks for personal lines policies, applying underwriting guidelines to real-time risk selection and coverage decisions
- Analyze property characteristics, loss history, and environmental exposure factors to assess risk acceptability and pricing considerations
- Apply risk assessment principles to approve, modify, or decline policies while ensuring compliance with underwriting standards and regulatory requirements
- Communicate underwriting decisions and risk rationale to agents, providing guidance on coverage, eligibility, and risk mitigation strategies
- Review inspection reports, aerial imagery, and third-party data to identify potential hazards and exposure risks impacting underwriting decisions
- Manage a high-volume underwriting workflow in a fast-paced environment while maintaining accuracy, efficiency, and risk quality
- Escalate complex or borderline risks to senior underwriters, demonstrating sound judgment and risk evaluation skills
Customer Care Specialist II
State Farm
Tempe
01.2024 - 08.2025
- Managed inbound calls from agents, claims partners, policyholders, and third-party vendors to address inquiries and provide support
- Reviewed and processed applications and policy changes to ensure compliance with established guidelines and enhance customer satisfaction
- Calculated premium breakdowns and rates based on selected coverages to ensure accurate billing and pricing for customers
- Guided customers in understanding policies using internal resources such as rate manuals and underwriting guidelines
Insurance Agent
Symmetry Financial Group
Remote
09.2023 - 01.2024
- Consulted with clients to identify insurance needs, budget, and financial planning goals, ensuring tailored coverage solutions
- Provided rate quotes and coverage recommendations, facilitating informed long-term planning for clients
- Assisted in completing applications and necessary paperwork, securing underwriting approval to streamline policy issuance
Sales Associate
Rare Earth Gallery
Cave Creek
05.2019 - 07.2023
- Provided information about products and services. Take orders, calculate charges, and process billing or payments
- Listened to customers' questions and concerns and provide answers or responses
- Reviewed customer accounts and make changes, if necessary
Chargeback Analyst
Electronic Payment Exchange (EPX)
Phoenix
05.2019 - 06.2021
- Worked on the card bank chargeback systems, match supporting documentation/information to the corresponding chargeback/retrieval request
- Transferred incoming chargebacks and retrievals to merchant queues along with supporting documentation
Research and Remediation Analyst
Wells Fargo
Chandler, AZ
06.2018 - 04.2019
- Responded to, researched, and resolved escalated inquiries and complaints requiring special handling through the utilization of system databases
- Performed intake to determine appropriate course of action, conducted investigative steps to fully identify the issues, researched product information, terms, conditions, contracts, etc
Billing Premium Consultant
Aetna
Hartford, CT
06.2015 - 03.2017
- Prepared and evaluated billing reports, looking for discrepancies and correcting
- Worked closely with Plan Sponsor Liaison and operations team to report and track new system issues; attended Business Partner calls when needed to support billing data
Provider Data Service Analyst
Aetna
Hartford, CT
10.2014 - 06.2015
- Key contributor to provider configuration and continued maintenance of provider system used in the payment of claims and capitation
- Served as a contact person to the delegated credentialing provider organizations
Education
International Studies - International Business
Central Connecticut State University
New Britain, CT08-2014
Skills
- Underwriting guidelines
- Risk Assessment & Analysis
- Coverage analysis
- Property Risk Evaluation
- Regulatory compliance
- Report Review
- High-Volume Case Management
- Aerial Imagery & Inspection
- Risk communication
Languages
English
Timeline
Fire Underwriter (Personal Lines)
State Farm
08.2025 - Current
Customer Care Specialist II
State Farm
01.2024 - 08.2025
Insurance Agent
Symmetry Financial Group
09.2023 - 01.2024
Sales Associate
Rare Earth Gallery
05.2019 - 07.2023
Chargeback Analyst
Electronic Payment Exchange (EPX)
05.2019 - 06.2021
Research and Remediation Analyst
Wells Fargo
06.2018 - 04.2019
Billing Premium Consultant
Aetna
06.2015 - 03.2017
Provider Data Service Analyst
Aetna
10.2014 - 06.2015
International Studies - International Business
Central Connecticut State University