Summary
Overview
Work History
Education
Skills
Certification
Timeline
Generic

Lawrence J Hicks

San Jose,Ca.

Summary

Professional auditor skilled in evaluating financial records and ensuring compliance with industry standards. Adept at identifying discrepancies and implementing corrective measures. Highly collaborative, reliable, and adaptable to changing requirements, with strong analytical and communication skills.

Overview

32
32
years of professional experience
1
1
Certification

Work History

Realtor & Property Manager

HERITAGE REAL ESTATE & FINANCE
05.2005 - Current
  • Guided clients through property transactions, ensuring compliance with local regulations and market trends.
  • Developed strategic marketing plans to promote listings across various platforms, increasing visibility and engagement.
  • Negotiated contracts between buyers and sellers, advocating for client interests to achieve favorable outcomes.
  • Conducted detailed market analyses to inform pricing strategies and enhance competitive positioning of properties.

Premium Auditor

Republic Indemnity Insurance
10.2019 - 07.2025
  • Conducted premium audits for high-value construction clients with payrolls exceeding $30M–$40M, ensuring accurate classification and regulatory compliance under WCIRB and NCCI guidelines.
  • Analyzed complex financial documents—including general ledgers, tax filings, and payroll records—to assess exposure and validate premium calculations aligned with underwriting standards.
  • Verified payroll, operational scope, and classification codes to determine premium basis with accuracy, minimizing audit disputes and premium leakage.
  • Performed multi-jurisdictional and multiple entity audits across several states, applying NCCI guidelines to maintain consistency and regulatory integrity.
  • Prepared and delivered detailed audit reports, clearly summarizing findings and supporting premium recommendations for underwriting and collections teams.
  • Engaged with business owners and financial representatives to gather operational insights, evaluate risk accurately, and strengthen client relationships.
  • Exceeded expectations by achieving 100% of quarterly premium audit objectives, demonstrating consistency, accountability, and attention to regulatory detail.
  • Collaborated cross-functionally with underwriting, billing, and collections departments to resolve discrepancies and streamline post-audit processing.
  • Passed with 100% Test Audit accuracy for 5 years

Premium Auditor

LIBERTY MUTUAL INSURANCE
01.2014 - 10.2019
  • Conducted in-depth audits across diverse lines of coverage—including Workers’ Compensation, General Liability,OCIP, Auto Fleet, and Building Operations—to ensure policy accuracy and regulatory compliance.
  • Performed audits in accordance with WCIRB and NCCI standards, maintaining procedural integrity and classification consistency
  • Identified red flags and referred suspected fraud cases to the Department of Insurance, safeguarding carrier assets and promoting ethical practices.
  • Performed complex, multi-state audits in accordance with state-specific regulations, ensuring full compliance across jurisdictional boundaries.
  • Designed and implemented corrective action plans to realign business operations with underwriting standards, improving risk transparency and premium accuracy.
  • Surpassed performance benchmarks by completing 100% of quarterly audits, contributing to reduced dispute rates and improved audit cycle efficiency.

    Would you like to spotlight specific audit types or include metrics like premium accuracy gains or fraud referrals to deepen the impact further?

Premium Auditor

State Farm Insurance
09.2003 - 06.2013
  • Conducted comprehensive on-site audits and policy reviews for Workers’ Compensation, General Liability, and Commercial Property, ensuring compliance with WCIRB and NCCI classification guidelines
  • Led consultative meetings with insureds to analyze operational structures, experience modifications (Ex-Mods), and contractor exposures, delivering actionable insights that improved underwriting accuracy.
  • Facilitated agency training sessions focused on audit protocols, policy interpretation, and regulatory updates, strengthening agent proficiency and risk assessment capability.
  • Executed detailed commercial inspections and loss control surveys to support underwriting decisions and minimize exposure across diverse industry sectors.
  • Consistently met 100% of targeted quarterly audits, supporting loss mitigation and premium recovery through precise classification and thorough analysis.
    - Surpassed performance benchmarks by completing 100% of quarterly audits, contributing to reduced dispute rates and improved audit cycle efficiency.

    Would you like to spotlight specific audit types or include metrics like premium accuracy gains or fraud referrals to deepen the impact further?

Special Investigator

State Farm Insurance
01.1997 - 07.2003
  • Conducted detailed investigations into suspicious fire claims, gathering and analyzing recorded statements, financial records, photographs, and audio evidence to support fraud assessments.
  • Interviewed insureds, witnesses, and third parties using strategic questioning to uncover material facts and detect potential misrepresentation.
  • Documented case findings, observations, and evidentiary materials with precision to ensure clear and defensible claims narratives.
  • Collaborated with local, state, and federal law enforcement agencies during joint investigations, enhancing case outcomes and ensuring regulatory compliance.
  • Delivered expert testimony in open court proceedings to support litigation and defend claims positions.
  • Interpreted physical evidence and documentation to assess claim validity, uncover fraud indicators, and recommend claims resolutions.
  • Reduced average case cycle time by 30%, streamlining investigations through improved interview protocols and document analysis.

Fire & Property Claims Adjuster

State Farm Insurance
07.1993 - 01.1997
  • Evaluated property damage claims to determine validity and settlement amounts.
  • Collaborated with policyholders to gather necessary documentation for claim processing.
  • Utilized industry software to document claims, ensuring accuracy and compliance with regulations.
  • Managed complex property and fire claims from initial investigation through resolution, ensuring timely and equitable outcomes for policyholders.
  • Skillfully negotiated settlements in high-stakes claims and recommended litigation when warranted to protect company interests.
  • Delivered personalized customer service by meeting clients at homes, businesses, and loss sites to assess damage and foster trust during the claims process.
  • Achieved a 96% claim closure rate within regulatory timeframes, enhancing customer satisfaction and departmental efficiency.

Education

Bachelor of Science - Management/ Economics

San Jose State University
San Jose, CA

Associate of Science - Business Administration

Evergreen Valley College
San Jose, Ca

Skills

  • Complex problem-solving
  • Customer relationship management
  • Customer service-oriented
  • Critical thinking
  • Quality assurance
  • Organizational skills
  • Experienced in Microsoft Office applications
  • Experienced in QuickBooks software

Certification

California Real Estate License 01495209
California Property and Casualty License 0I15540

Timeline

Premium Auditor

Republic Indemnity Insurance
10.2019 - 07.2025

Premium Auditor

LIBERTY MUTUAL INSURANCE
01.2014 - 10.2019

Realtor & Property Manager

HERITAGE REAL ESTATE & FINANCE
05.2005 - Current

Premium Auditor

State Farm Insurance
09.2003 - 06.2013

Special Investigator

State Farm Insurance
01.1997 - 07.2003

Fire & Property Claims Adjuster

State Farm Insurance
07.1993 - 01.1997

Bachelor of Science - Management/ Economics

San Jose State University

Associate of Science - Business Administration

Evergreen Valley College

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