Reginald St. Germain

Collaborates with business stakeholders and IT teams to develop tailored solutions that address complex challenges in policy acquisition and underwriting workflows. Engages with nearshore and offshore colleagues to ensure timely and cost-effective delivery of features

• Achieved a 45% reduction in the defect backlog by uncovering common root causes, resulting in $293,588 of savings to the department.
• Collaborated with the external partner, Dell, to strategically plan and execute the cloud migration for USAA's entire 37-application life insurance infrastructure.
• Designed and implemented API availability dashboards for life applications, which drove a 1.2% improvement in application availability, and increased member conversion rates by an average of 15% per week.

Launched and led a successful home healthcare business focused on quality patient care, strong partnerships, and community impact.

• Achieved a 98% client satisfaction rating through personalized care plans and exceptional service.
• Recognized by UCare for 'Best in Class' due to achieving the lowest patient hospital readmission rate in the Austin, TX, metroplex.
• Generated average annual revenues of $614,000 in the first three years of operation.

Conducted detailed product analyses to uncover actionable insights, identify growth opportunities, and inform strategic roadmaps that drove continuous product enhancements, and maximized business impact.

• Designed and launched a digital platform that streamlined the aggregation of over 1 million in-force life insurance policies from the top U.S. carriers, and generated $3.6 million in annual revenue.
• Formulated all 12 algorithms that powered the platform.
• Designed a long-term care quoting platform for Morgan Stanley that increased their annual long-term care premium by $2.1 million.

Managed all aspects of branch operations, including staffing, profit/loss statements, customer relationships, compliance, and strategic initiatives to drive sustained growth, and deliver exceptional service.

• Increased gross revenue by 37% by actively engaging in contract acquisition and relationship management.
• Maintained the lowest unbilled hours in the West Coast region at 1.6%, which resulted in annual cost savings of $156,000 for the branch.
• Oversaw two site visits by the President of the United States at one of our contract sites, and coordinated with the U.S. Secret Service.

Managed 35+ direct reports in the underwriting department, mitigated risks, optimized processes, and ensured sound assessments that maximized profitability for the organization.

• Provided the firm with a distinct competitive advantage in application processing time by developing and implementing a cross-functional training program that reduced it by 23%.
• Maintained the department's 98% accuracy rate, as measured by quarterly internal and external audits.
• Received the 'Key Employee' award from the CEO as recognition of being a top performer in the company.

Evaluated applicants' risk profiles, gathered and analyzed data, calculated coverage premiums, and provided recommendations to ensure the company's underwriting decisions aligned with industry regulations.

• Developed a new hire training program that accelerated their onboarding training by two months.
• Accounted for $28 million of added premium to the organization during my tenure.
• Scored in the 99th percentile on the Academy of Life Underwriting Exam, internationally.