KAMME LOCKWOOD
Haslet,TX
Summary
Results-driven Senior Compliance Analyst with extensive expertise in insurance compliance, data analysis, and MGA oversight. Proven record of ensuring adherence to federal and state regulations, contractual obligations, and internal policies. Proficient in identifying control gaps, mitigating compliance risks, and implementing process improvements that enhance operational efficiency. Recognized for strong analytical skills, effective communication, and a collaborative leadership style that fosters teamwork across departments.
Overview
11
11
years of professional experience
Work History
Senior Compliance Analyst
Hallmark Financial Services
11.2024 - 01.2026
- Streamlined reporting procedures, enhancing accuracy and efficiency of compliance documentation.
- Gathered, organized and aggregated data to report to state bureaus for mandatory data calls.
- Conducted thorough risk assessments to identify compliance gaps and mitigate potential issues.
- Completed Secretary of State fillings for all States ensuring accuracy in reporting.
- Established strong working relationships with regulators, fostering a positive image for the company within the industry.
- Drafted responses to inquiries from regulators or law enforcement agencies concerning specific cases or general operational matters, ensuring accurate and timely submission.
- Stayed current with latest changes to applicable regulatory standards and company procedures.
- Collaborated with legal teams to interpret regulatory changes and update internal protocols accordingly.
- Enhanced regulatory compliance by developing and implementing comprehensive policies and procedures.
- Conducted thorough investigations to address potential violations of regulations, resulting in reduced penalties and fines.
- Participated in the development of various risk management tools and resources designed to facilitate a more proactive approach to compliance monitoring and enforcement.
Senior Compliance Analyst and Auditor
AG Workers Insurance
02.2023 - 11.2024
- Ensure company practices as well as all Programs (MGA’s) comply with applicable laws, regulations, and company policies.
- Support data management, client reporting and process resolution.
- Collaborate with leadership to define projects for improvement while serving as a liaison to other departments providing expertise in various applications as well as information systems.
- Analyze data and identify trends as well as root cause diagnosis.
- Mitigate compliance risk in response to various findings.
- Analyzes and identifies data for trends, patterns, and root cause diagnosis.
- Contract Analysis including making recommendations for changes as needed.
- Research new regulations and changes in the insurance industry and ensure compliance within the company and all programs associated with the company.
- Promotes and ensures timely implementation of regulatory changes and requirements.
- Provides support in the areas of rate reviews, rate filings and rate plan development.
- Lead point of contact for all regulatory questions, concerns, and information.
- Collaborate with leadership on process improvement and development.
- Analyzed data from various sources to identify patterns indicative of potential compliance risks or areas needing improvement.
Senior Compliance Analyst
State National
02.2022 - 02.2023
- Performed daily tasks relating to compliance projects, training, documentation, customer service, and plans.
- Developed and implemented compliance policies to align with regulatory standards.
- Conducts thorough audit processes from beginning to end.
- Led cross-functional teams in compliance audits, ensuring adherence to industry regulations.
- Collaborates with leadership to define projects for improvement in data and applications.
- Works closely with business and actuarial team to create, update and maintain rate, rule, and forms for submission to all State Departments of Insurance.
- Analyzes and identifies data for trends, patterns, and root cause diagnosis.
- Reviews contracts and makes recommendations / changes as needed.
- Served as a subject matter expert on regulatory requirements during system implementations and process improvements projects, ensuring seamless integration into existing workflows.
- Collaborated with cross-functional teams to ensure consistent application of compliance standards across all business units.
- Develops detailed weekly / monthly reports for leadership using pivot tables and graphs.
- Mitigates compliance risk in response to various findings.
- Facilitates weekly meetings with staff and leadership.
- Communicates with internal departments regarding compliance updates and new regulations.
- Researches, analyzes, and reviews business processes thoroughly.
- Gathers, aggregates, and prepares information for annual regulatory filings.
- Lead point of contact for all regulatory questions, concerns, and information.
Compliance Analyst
State National
03.2020 - 02.2022
- Performed daily tasks relating to compliance projects, training, documentation, customer service, and plans.
- Collaborates with leadership to define projects for improvement in data and applications.
- Conducted compliance audits to ensure adherence to regulatory requirements and internal policies.
- Works closely with business and actuarial team to create, update and maintain rate, rule, and forms for submission to all State Departments of Insurance.
- Analyzes and identifies data for trends, patterns, and root cause diagnosis.
- Develops detailed weekly / monthly reports for leadership using pivot tables and graphs.
- Mitigates compliance risk in response to various findings.
- Facilitates weekly meetings with staff and leadership.
- Communicates with internal departments regarding compliance updates and new regulations.
- Researches, analyzes, and reviews business processes thoroughly.
- Promotes timely implementation of regulatory changes and requirements.
- Contract Analysis including making recommendations for changes as needed.
- Gathers, aggregates, and prepares information for annual regulatory filings.
- Lead point of contact for all regulatory questions, concerns, and information.
- Monitored industry regulations and standards, providing insights for policy adjustments and strategic planning.
Account Manager & Regulatory Compliance Specialist
Energy Worldnet
03.2019 - 03.2020
- Provided customized technical solutions for compliance management.
- Developed tailored solutions to meet client needs, enhancing customer satisfaction and retention rates.
- Performed daily tasks relating to compliance projects, training, documentation, customer service, and plans.
- Ensured company practices as well as all Programs (MGA’s) comply with applicable laws, regulations, and company policies.
- Led the implementation, execution, and completion of compliance projects.
- Created various plans and mapped task lists to ensure regulations were met.
- Managed client accounts, ensuring alignment with strategic initiatives and fostering long-term relationships.
- Conducted complete audits to identify gaps and resolve them.
- Maintained current knowledge on industry and regulatory changes at all levels.
- Facilitated internal and external training and presentations.
- Attended and spoke at industry events and facilitated training workshops.
- Worked cross-functionally to complete compliance projects on time.
- Led training sessions for junior staff on account management best practices and tools used within the organization.
Office Manager
State Farm
11.2015 - 03.2019
- Oversaw daily office operations, ensuring efficiency and adherence to company policies.
- Developed and implemented streamlined administrative processes to enhance productivity.
- Licensed in Texas for P&C and well as Life and Health
- Verified various personnel information for accuracy including payroll processing, job codes, etc.
- Performed light bookkeeping tasks such as reconciliations, daily deposits, pay computations, processing customer payments, and more.
- Educated customers about insurance options, resolved issues, and provided quotes.
- Collaborated with internal teams on projects, processes, and marketing goals.
- Analyzed operational workflows, identifying areas for improvement and implementing solutions.
Insurance Agent
USAA Federal Savings Bank
08.2014 - 11.2015
- Provided excellent customer service and lead generation to obtain new clients and upsell to existing clients.
- Licensed in 42 states for P & C and adhered to state and federal regulations.
- Communicated with clients daily on various issues such as policy descriptions, policy changes, updating client information, general questions, and any concerns.
- Ensured all policies were in compliance with state and federal regulations.
- Educated clients on insurance products, ensuring informed decision-making and improved understanding of coverage.
Education
Business
The University of Texas
El Paso, TXSkills
- Self-driven initiative
- Critical analysis
- Regulatory compliance reporting
- Risk management assessment
- Strategic leadership
- Project coordination
- Effective presentation skills
- Process optimization
- Quality assurance
- Skilled in prioritizing concurrent responsibilities
- Operational planning
- Strategic decision making
- Data accuracy management
- Compliance proficiency
- Regulatory research
- Document analysis
- Policy evaluation
- Data reporting skills
- Analysis and execution of corrective action plans
- Project execution management
- Advanced research skills
- Skilled in investigative analysis
- Effective team collaboration
- Organizational time strategies
- Meticulous attention to detail
- Analytical problem-solving
Timeline
Senior Compliance Analyst
Hallmark Financial Services
11.2024 - 01.2026
Senior Compliance Analyst and Auditor
AG Workers Insurance
02.2023 - 11.2024
Senior Compliance Analyst
State National
02.2022 - 02.2023
Compliance Analyst
State National
03.2020 - 02.2022
Account Manager & Regulatory Compliance Specialist
Energy Worldnet
03.2019 - 03.2020
Office Manager
State Farm
11.2015 - 03.2019
Insurance Agent
USAA Federal Savings Bank
08.2014 - 11.2015
Business
The University of Texas