Dynamic Senior Analyst, talented at leveraging data analysis and risk assessment to enhance concession strategies, driving improved retention outcomes. Proven track record in mentorship and team collaboration, effectively communicating complex underwriting concepts while managing high-stakes projects. Skilled in utilizing advanced underwriting tools to deliver thoughtful risk assessments.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Senior Analyst, Underwriter
Aetna, a CVS Health Company
Hartford, CT
01.2022 - Current
Manages the Concessions project while actively partnering with underwriting management and sales management to determine the most effective strategy enhancements to improve retention results and accounting.
Delivers weekly concession reporting to sales, illustrating the current status of remaining funds available for their markets.
Partners with underwriting management to create initial concession fundings before they are delivered to the sales team and underwriting team.
Prepares and delivers existing small-group business quotes.
Leads monthly USAF calls for sales management for two market cohorts, independently evaluating and delivering rate and risk data, while providing sound explanations for the produced monthly increases.
Advanced understanding and utilization of underwriting tools such as SMART, MRW, MCM, ED reports, EDT re-rating system, and monthly nurse notes.
Actively mentors other team members on processing and strategy for concessions, re-rates, large claimant removals, understanding the ED report, ancillary cross-sales, installs, and disclosure reporting.
Takes initiative to train and mentor new hires, while expressing patience and understanding as they learn new subject matters.
Effectively and independently explains the increase rationale to the sales team by utilizing underwriting tools to evaluate the group's current and past risk experience.
Maintains a collaborative and growing partnership with client managers and sales management via clear communication during USAF meetings, concession strategy, and high responsiveness to team inquiries.
Actively participates and partners with other underwriters in updating Standard Work processes to create more efficient workflows that satisfy the client, while remaining in line with business objectives.
Senior Underwriting Associate
Aetna, a CVS Health Company
Hartford, CT
03.2021 - 01.2022
Maintains 100% accuracy on monthly audits performed on work duties.
Member of the Well-Being Champion Network for CVS Health, and reports back to the team regarding new wellness initiatives within the company.
Consistently and independently, she makes thoughtful recommendations to mitigate risk and increase member retention based on various risk factors, utilizing ED reporting, nurse notes, MRW, and MCM systems.
Critically evaluates group risk factors to determine the proper rating when applicable, through large claimant removals and re-rates.
Manages the concessions project on a daily basis and mentors colleagues on the rationale for current practices and strategy.
Helps lead monthly calls with underwriting management and sales management on current concession data and updated concession practices.
Collaborates with underwriting management and sales management to determine efficient updates to current concession practices.
Consistently mentors other underwriters on current underwriting methods and systems.
Effectively leads team meetings, communicating underwriting concepts.
Underwriting Associate
Aetna/CVS Health Company
Hartford, CT
10.2018 - 03.2021
Collaborated with the sales team and underwriting management to develop the Concessions project that allows Aetna members discounted premiums, while increasing retention results.
Collaborated with underwriting management and colleagues to establish standard work processes to increase team proficiency and provide a positive customer experience.
Consistently partnering with the underwriting and sales teams to determine efficient updates to concession processes.
Efficiently utilizes SMART and Springboard Marketplace to produce accurate and timely annual renewals for clients.
Helps lead monthly concession review calls with underwriting management and sales management to deliver data, concession performance, and process updates.
Effectively communicates with sales regarding client renewal increase rationale, and other technical inquiries related to risk and rate increases.
Insurance Specialist
Key Bank Insurance and Benefit Consulting
Mechanicsburg, PA
03.2015 - 10.2018
Underwrite an average of 50 to 70 small and large group employers per year, using assigned underwriting guidelines created by the Group Insurance Trust of California.
Collaborate with management to determine the most efficient updates to the underwriting guidelines, ensuring less risk while maintaining and growing the book of business.
Daily multitasking of assignments and projects in a fast-paced environment.
Communicate daily with numerous medical and ancillary carriers to determine the root cause of claims issues for clients.
Effectively listen to and communicate with clients to help them determine the most beneficial medical and/or ancillary benefits to fit their needs.
Annually, set up and guide direct clients through their employee benefit enrollment system, Springboard Marketplace, during open enrollment.
Maintain a book of business with periodic courtesy calls and physical visits.
Manage and create monthly broker commission reports by accounting group payments, and ensuring brokers are receiving the appropriate commission percentage.
Obtained PA and CA insurance licenses in life, annuities, accident, and health.
Education
Bachelor of Arts - Health And Wellness Management
University of Arizona Global Campus
San Diego, CA
06-2022
Skills
Data analysis
Microsoft Office
Risk assessment
Underwriting tools
Concession management
Financial reporting
Project management
Process Improvement
Mentorship
Team collaboration
Effective communication
Presentation skills
Accomplishments
Alpha Sigma Lambda Honors Society granted in September 2020.
Total of 10 Values in Action awards received by the AFA SG sales team in 2024.
Certification
American Council on Exercise Certified Personal Trainer
American Council on Exercise Certified Fitness Nutrition and Weight Management Specialist
Timeline
Senior Analyst, Underwriter
Aetna, a CVS Health Company
01.2022 - Current
Senior Underwriting Associate
Aetna, a CVS Health Company
03.2021 - 01.2022
Underwriting Associate
Aetna/CVS Health Company
10.2018 - 03.2021
Insurance Specialist
Key Bank Insurance and Benefit Consulting
03.2015 - 10.2018
Bachelor of Arts - Health And Wellness Management
University of Arizona Global Campus
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