RICK WILLIAMS
Insurance & MarTech Professional
Castalian Springs,TN
Summary
Established a career driven by accomplishments in the property and casualty insurance industry highlighted by rapid acceleration to increasing levels of cross-functional responsibility. Specialized leadership experience in product design, sales and service, project management, underwriting and E-Commerce.
Overview
29
29
years of professional experience
3
3
years of post-secondary education
3
3
Certificates
Work History
Director of E-Commerce/Sr. Mgr. Digital Engagement
National General/Direct Auto (Allstate Companies)
Nashville, TN
05.2015 - Current
- Accountable for P&L and achieving aggressive growth goals for online sales for National General/Direct Auto Insurance
- Drove Consumer Centric culture with intense focus on research, testing and continuously improving UI/UX
- Managed budget of approximately $30M for E-Commerce division
- Led efforts around Direct-to-Consumer marketing including disciplined targeted marketing balanced to LTV informed allowable
- Determined priorities and set policies for front-end web development for static and transactional websites
- Engaged and onboarded technology and lead-generating external partnerships
- Collaborated with Operations, IT, Legal and others to implement consumer facing enhancements to online experience
- Directly led team consisting of front-end web developers, web analysts and lead-generation managers for the Specialty Insurance P&C business. In addition to creating and maintaining a best-in-class online quote and bind platform profitably drove new policy growth online by 44% YoY 2021 versus a plan of 17%
Operations Solutions Manager
Direct General Insurance
Nashville, TN
04.2013 - 05.2015
- Launched telematics and policy management application for smart phones and tablet devices in partnership with DriveFactor (CCC Information Services)
- Led expense savings initiative for underwriting reports that resulted in over $1M in annual savings
- Managed vendor relations while successfully negotiating contracts for services that reduce underwriting expense
- Implemented strategic partnerships including lead generation to drive growth as well as banking institutions that provided new and better ways for policyholders to make payments
- Led advisory/advocacy board focused on improving customer experience
Sr. Product Manager/Underwriting Director
Direct General Insurance
Nashville, TN
12.2010 - 04.2013
- Accountable for P&L for GA, NC and LA
- Through improved pricing/segmentation and expense reduction initiatives moved GA from-$5M EBITDA drain to break-even in 14 months
- Led underwriting organization to improved efficiency resulting in higher productivity with 33% fewer underwriters
- Launched underwriting reports (e.g. MVR) expense reduction initiatives saving over $500K annually
Sr. Product Manager
Assurance America Insurance
Atlanta, GA
09.2008 - 12.2010
- Directly responsible for pricing indications, risk and segmentation analysis, development of new rating variables, and statutory filings for auto insurance in AL, IN, LA, MS and TX
- Designed and implemented robust competitive analysis tool that benefited all product managers
Auto Product Manager
Nationwide Insurance Company
Atlanta, GA
12.2007 - 07.2008
- P&L responsibility for Standard Auto Product in AL, GA, and SC
Sales Director
Nationwide Insurance Company
Tampa, FL
06.2005 - 12.2007
- Led team of Sales Support Specialists, Compliance Specialists, Agency Technology Trainers and Business Consultants and was accountable for attaining Specialty Lines Net Written Premium Plan for Eastern half of US
Customer Service Director
Nationwide Insurance Company
Gainesville, FL
10.2004 - 06.2005
- Responsible for division of 170 associates in policy services, underwriting and home inspections across AL, DC, DE, FL, GA, MD and SC
Product & Marketing Director
Nationwide Insurance Company
Columbus, OH
07.2002 - 10.2004
- Home Office - National Nonstandard Auto Product Research and Development Team
Staff Product Manager/Consultant
Nationwide Insurance Company
Columbus, OH
09.1999 - 07.2002
Underwriting and Customer Services Manager
Nationwide Insurance Company
Portland, OR
11.1998 - 09.1999
Portfolio Manager
Nationwide Insurance Company
Chattanooga, TN
05.1995 - 11.1998
Senior Underwriter
Nationwide Insurance Company
Memphis, TN
09.1992 - 05.1995
Education
BBA - Insurance, Risk Management & Financial Services
University of Mississippi
Oxford, MS 01.1989 - 05.1992
Skills
Problem solving and critical thinking skills
Strategic planning
Building and Leading Effective Teams
Knowledge of insurance protocols
Creativity
Relating and communicating technical and insurance concepts
Certification
ARM - Associate in Risk Management
Timeline
Director of E-Commerce/Sr. Mgr. Digital Engagement
National General/Direct Auto (Allstate Companies)
05.2015 - Current
Operations Solutions Manager
Direct General Insurance
04.2013 - 05.2015
Sr. Product Manager/Underwriting Director
Direct General Insurance
12.2010 - 04.2013
Sr. Product Manager
Assurance America Insurance
09.2008 - 12.2010
Auto Product Manager
Nationwide Insurance Company
12.2007 - 07.2008
Sales Director
Nationwide Insurance Company
06.2005 - 12.2007
Customer Service Director
Nationwide Insurance Company
10.2004 - 06.2005
ChFC - Chartered Financial Consultant
10-2003
Product & Marketing Director
Nationwide Insurance Company
07.2002 - 10.2004
Staff Product Manager/Consultant
Nationwide Insurance Company
09.1999 - 07.2002
Underwriting and Customer Services Manager
Nationwide Insurance Company
11.1998 - 09.1999
CPCU - Chartered Property & Casualty Underwriter
10-1995
Portfolio Manager
Nationwide Insurance Company
05.1995 - 11.1998
ARM - Associate in Risk Management
02-1993
Senior Underwriter
Nationwide Insurance Company
09.1992 - 05.1995
BBA - Insurance, Risk Management & Financial Services
University of Mississippi
01.1989 - 05.1992