Summary
Overview
Work History
Education
Skills
Timeline
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Kristin A Kozuh

Wesley Chapel,FL

Summary

Diligent specialized Claims Adjuster with strong background in evaluating and processing claims effectively. Successfully resolved numerous complex cases by applying deep knowledge of policy provisions and regulatory requirements. Demonstrated proficiency in negotiation and customer service, ensuring fair outcomes and client satisfaction. Also, I am a knowledgeable Financial Processor, Manager, and Trainer bringing years of experience in financial and administrative positions. Highly skilled in working well with people of all backgrounds to complete tasks. Adept at building loyalty and trust between client and business.

Overview

11
11
years of professional experience

Work History

Specialized Licensed Claims Adjuster

State Farm
03.2023 - Current
  • Evaluate claims for accuracy and compliance with state regulations.
  • Adjudicate complex claims, ensuring timely resolutions and customer satisfaction.
  • Collaborate with legal teams to assess liability and coverage issues.
  • Implemented process improvements that enhanced claims processing efficiency.
  • Conduct thorough investigations, including interviews and site visits, to gather evidence. Manage 80-140 open causes of loss
  • Enhance company reputation by demonstrating professionalism and empathy during interactions with policyholders in difficult situations.
  • Coordinate with legal counsel as necessary when addressing disputed claims or preparing cases for litigation.
  • Evaluate complex claims involving multiple parties or large losses, applying critical thinking skills to determine appropriate resolutions fairly.
  • Provide guidance to policyholders throughout the claims process, ensuring they understood their coverage limits and obligations under their policies.
  • Effectively manage time and resources to handle a high volume of claims without sacrificing quality or accuracy.
  • Collaborate with other adjusters to share best practices, ensuring consistent quality across the team.
  • Maintain compliance with state regulations through continuing education courses and adherence to established procedures.
  • Identify potential fraud cases through keen attention to detail during investigations, protecting the company from financial loss.
  • Identify suspicious losses and contacted manager for investigative assistance.

Senior Processor/Trainer/Administrative Officer

Cross Country Mortgage
07.2019 - 09.2022
  • Coordinated training for new team members, overseeing onboarding details and designing framework for future acquisitions
  • Prepared reporting and documentation in Encompass and all Word programs to support effective divisional, functional and strategic business activity
  • Drafted documents in company-directed formats and fonts, maintaining exceptional style consistency
  • Built relationships with customers by delivering first-call resolution and taking ownership of tasks and files
  • Promoted positive company image through superior customer service experiences
  • Maintained complete confidentiality of submitted information according to guidelines and lending laws
  • Upheld compliance with privacy and security requirements
  • Organized files, updated databases, and prepared general correspondence, maintaining 50-90 files at one time per month
  • Managed processing team payroll and balanced Profit & Loss statement for Operations

Senior Consultant

Guaranteed Rate
07.2014 - 07.2019
  • Troubleshot issues by understanding issue, diagnosing root cause and coming up with effective solutions
  • Identified business issues through careful collaboration with key stakeholders
  • Prioritized projects and project tasks depending upon key milestones and deadline dates
  • Performed business research and financial analysis
  • Maintained over 100 files at any given time, and was in top 2% of processors company-wide
  • Evaluated clients' needs and created plan of action to provide solutions.

Education

Associate of Science - Finance

Elmhurst University
Elmhurst, IL
05.1989

Skills

  • Claims investigation
  • Claims processing
  • AME specialized claims team
  • SIU specialized claims team
  • Claims Litigation processing
  • Document and File Management
  • Multitasking and Time Management
  • Workflow Processes
  • Effective Communicator
  • Research and Analytical Skills
  • Customer Satisfaction
  • Critical thinking

Timeline

Specialized Licensed Claims Adjuster

State Farm
03.2023 - Current

Senior Processor/Trainer/Administrative Officer

Cross Country Mortgage
07.2019 - 09.2022

Senior Consultant

Guaranteed Rate
07.2014 - 07.2019

Associate of Science - Finance

Elmhurst University

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