Patricia Marcos
Reisterstown,USA
Summary
Highly efficient and detail-oriented Assistant Underwriter with specialized experience managing a nationwide, multi-million dollar commercial program at RT Specialty. Proven track record of executing delegated binding authority across all 50 states for niche Self-Storage risks, handling multi-line accounts (Property, GL, and Umbrella/Excess) with premiums ranging from $3,000 to $600,000. Experienced at navigating Surplus Lines compliance, analyzing loss control inspections, and reconciling risk discrepancies. Recognized for exceptional operational efficiency, consistently maintaining a 2–4 hour binder processing turnaround and a 24–48 hour email response standard. Proficient in ConceptOne, Titan Imaging, and the Central Information System.
Overview
22
22
years of professional experience
1
1
Certification
Work History
Assistant Underwriter
All Risks / RT Specialty
Timonium, Maryland
03.2016 - Current
- Managed the administrative underwriting lifecycle for a specialized niche portfolio of Self-Storage Facilities , evaluating Property, General Liability, and Umbrella accounts ranging from $3,000 to $600,000 in annual premium .
- Formulated risk pricing and policy structures by utilizing the Central Information System for rating and ConceptOne for seamless policy administration.
- Exceeded strict service level agreements (SLAs) by reviewing, finalizing, and processing insurance binders within 2 to 4 business hours of agent/broker bind requests.
- Streamlined high-volume of communications via Microsoft Outlook , maintaining a 24-to-48-hour response rate to strengthen relationships with national retail agents/brokers.
- Maintained 100% compliance and audit readiness by using Titan imaging software to organize, file, and index critical underwriting documents, engineering inspections, and loss control reports.
- Utilized Microsoft Excel and Word to track account pipelines, generate comprehensive risk summaries, and assist senior underwriters with large-account analysis.
Brokerage Insurance Processing Associate
All Risks
02.2015 - 03.2016
- Bound, issued and serviced policies for specified lines of business encompassing multiple carriers.
- Assisted the Branch/Binding Units with resolving problems and questions regarding their policies.
- Provided prompt, courteous and professional customer service to retail agents and insurance company personnel in complying with service standards.
- Filed State mandated filings online, by mail or email for auto policies in a timely manner.
- Systems used daily; Caisar, Concept One, ARIIS filing system, Outlook
- Handled many administrative office duties as needed.
- 40 hours a week
Customer Service Representative
Global Payments Inc.
04.2014 - 02.2015
- Accept inbound calls relating to various tax inquiries in English and Spanish
- Made outbound calls to advise merchants of non-compliance issues
- Worked as a liaison between merchants and management to resolve compliance issues
- Statement Solutions and Authorizations Dept
- Accepted inbound calls regarding merchant statements, deposits and authorizations inquiries in English and Spanish.
- Used many systems to assist merchants, such as Oracle, Tracker, Global Access Advantage, Merchant Accounting System, National Electronic Terminal System, Host Based Processing System, G2, and Computer-Telephone Integration System.
- Focused on one call resolution
- Accepted inbound voice authorization calls from US and UK merchants
- Miscellaneous office duties as assigned
- 40 hours a week
Contractual Legal/Medical Interpreter
State of Maryland
Washington, DC
05.2011 - 08.2011
- Interpreter for judges, attorneys and clients in the simultaneous and consecutive interpretation modes at many state courthouses, jails, social service departments in Baltimore City and Baltimore County.
- Interpreter for Doctors, nurses and patients in the consecutive interpretation mode at Baltimore city and Baltimore county hospitals
- Written translations and transcriptions as required in patient encounters such as filling out forms and medical instructions
- Administrative translations such as letters to patients, documents, and patient materials.
- 8-10 hours a week
Customer Service Representative
Kremer Insurance Agency
Westminster, Maryland
06.2007 - 08.2011
- Responsible for the provision of ongoing account service and support for a diversified range of clients; primarily Spanish speaking clients
- Drafted quotes and sold Property and Casualty lines of insurance while simultaneously providing understanding of policy terms through proper language interpretation
- Insured each client properly for today's market and viewed each policy with the insured
- Conducted insurance and financial reviews
- Established good relationships with Spanish speaking clients so that their accounts could be serviced and pivot to sales when a need is shown for a line of insurance in the household
- Handled many administrative office duties as needed.
- 40 hours a week till 5/2011 – 20 hours a week 5/2011 to 8/2011
Customer Service Representative
Visa International
Owings Mills, Maryland
01.2004 - 06.2007
- Placed in the bilingual sector of the customer service department
- Providing customer service to cardholder's emergency needs for the world's largest electronic payments corporation
- Created emergency card and cash disbursement reports, carried reports through each task by meeting deadlines for delivery of emergency services
- Accepted inbound calls from cardholders in regard to benefit information and various concerns
- Focused on maintaining and following company policy guidelines while handling a 100-150 call volume per day
- 40 hours a week
Education
High School Diploma -
Owings Mills High School
Owings Mills, MD05-1999
Skills
- Niche Expertise: Self-Storage Commercial Property & General Liability
- Portfolio Management: Account sizes ranging from $3,000 to $600,000 in annual premium
- Service Standards: 24–48 hour email turnaround; 2–4 hour binder processing
- Multi-Line Account Management: Simultaneously handling Property, General Liability, and Umbrella coverage packages for single accounts
Certification
Property and Casualty
Languages
Spanish
Native or Bilingual
Timeline
Assistant Underwriter
All Risks / RT Specialty
03.2016 - Current
Brokerage Insurance Processing Associate
All Risks
02.2015 - 03.2016
Customer Service Representative
Global Payments Inc.
04.2014 - 02.2015
Contractual Legal/Medical Interpreter
State of Maryland
05.2011 - 08.2011
Customer Service Representative
Kremer Insurance Agency
06.2007 - 08.2011
Customer Service Representative
Visa International
01.2004 - 06.2007
High School Diploma -
Owings Mills High School