Open To Work
Romil Aparentado
Keedysville,Maryland
Summary
Seasoned professional with extensive experience in employee health benefits and account management, offering a proven track record of driving client retention and revenue growth. Expertise includes strategic planning and execution of renewals, process improvements, and utilization reporting across diverse client arrangements and group sizes. Adept at fostering client relationships, resolving complex issues, and mentoring team members.
Overview
33
33
years of professional experience
1
1
Certificate
Work History
Senior Strategic Client Executive EHB
Marsh Risk
Rockville, Maryland
03.2023 - 03.2026
- Worked in conjunction with producers and carriers to refine strategies for acquiring and retaining clients, thereby stimulating revenue expansion in the employee health and benefits market.
- Engineered and carried out strategic programs focused on annual renewals, process enhancements, and utilization reporting, resulting in greater client retention for fully-insured, self-insured, level-funded, and self-administered arrangements.
- Structured and launched marketing initiatives to obtain competitive benefits rates using RFPs and benchmarking, boosting client satisfaction and reinforcing the value of the toral compensation package.
- Directed the handling of intricate service, claims-related, and enrollment based issues, delegating assignments to ensure swift resolution and maintain client confidence.
- Spearheaded weekly mentoring programs for team members, promoting effective collaboration and skill advancement.
Account Consultant, Labor Segment
CareFirst BlueCross BlueShield
Baltimore, Maryland
02.2010 - 08.2022
- Managed account relationships and ancillary sales activities for a designated portfolio of Private Sector clients, supporting Public Sector engagements.
- Improved medical persistency and membership growth through cross-selling specialty products (drug, dental, vision, life/AD&D, stop loss, and MAPD and educated clients on clinical programs and engagement tools for optimized member interaction.
- Developed and executed comprehensive sales strategies and policies for account management and ancillary sales, aligning product offerings with client needs and adapting to changing market dynamics.
- Analyzed claims utilization data to provide targeted consultative solutions, resulting in improved client comprehension and more informed decision-making.
- Cultivated and maintained strong relationships with clients, labor representatives, external partners to foster collaboration and trust.
- Led meetings to effectively address and resolve service-related issues raised by clients and their professional representatives.
- Consistently exceeded annual retention and specialty sales targets while maintaining service excellence.
- Stayed current on industry trends and competitive market conditions.
Broker Sales Representative
CareFirst BCBS
Washington, District of Columbia
03.2007 - 02.2010
- Exceeded sales and retention targets for medical, dental, drug, and vision products.
- Delivered training sessions enhancing brokers' product knowledge and sales skills, leading to improved sales performance.
- Coached brokers to boost sales performance and retention rates.
- Facilitated presentations on small-group policy procedures for medical and ancillary products, ensuring broker understanding and compliance.
- Streamlined paperwork processes for compliance in broker implementations.
- Collaborated with team to develop and implement strategies, driving alignment towards achieving sales objectives.
Senior Sales Consultant & Individual Sales
UnitedHealthcare
Baltimore, Maryland
05.1997 - 01.2007
- Identified and contacted potential clients to establish business relationships, driving growth within assigned territories.
- Exceeded production goals by scheduling face-to-face and telephone appointments.
- Marketed employer and individual benefit insurance products, including health, life, dental, and vision.
- Conducted consultative Q&A sessions, facilitated enrollment meetings, and managed documentation input.
- Provided frontline servicing for newly acquired groups and individuals to ensure satisfaction.
- Trained new sales consultants on comprehensive sales processes to enhance team performance.
- Developed and maintained CRM systems, enhancing B2B and B2C prospecting effectiveness.
- Collaborated with cross-functional teams to streamline service delivery and enhance client satisfaction.
Account Executive
IKON Office Solutions
Miami, Florida
09.1996 - 05.1997
- Developed viable prospects and upgraded clients’ business machines in assigned territory utilizing B2B prospecting and pursuing telemarketing team's leads.
- Applied SPIN Selling technique in product demonstrations to effectively address client needs.
- Enhanced client satisfaction through equipment upgrades and site surveys to tailor solutions.
- Marketed copiers, fax machines, and printers to enhance client engagement.
Sales Consultant
MAMSI Health Plans
Baltimore, Maryland
05.1995 - 08.1996
- Identified and contacted potential clients, establishing business relationships and developing CRM in assigned territories through B2B and B2C prospecting.
- Marketed employer and individual benefit insurance products: health, life/AD&D, dental, vision, clarifying options for clients.
- Facilitated face-to-face and phone appointments, conducted consultative Q&A sessions, and led enrollment meetings.
- Trained new sales consultants on sales process and executed critical projects that supported team objectives.
Group Systems Technician, promoted to Support Representative
Prudential Health Care Plan
Baltimore, Maryland
03.1993 - 05.1995
- Collaborated with internal departments and external clients to resolve claims issues, ensuring timely processing and enhancing client satisfaction.
- Developed reports on claims reimbursement analyses and fee schedule comparisons to support strategic decision-making.
- Programmed, maintained, and analyzed internal computerized fee schedules of physicians and vendors.
- Assisted Provider Relations team in recruiting and contracting physicians and facilities, contributing to network resource expansion.
Education
Bachelor of Science - Accounting
Frostburg State University
MarylandSkills
- Sales, onboarding, renewal, compliance
- Analytical data skills
- Leadership across functions
- Problem resolution efficiency
- Building strong relationships
- HRIS system knowledge
- Proficient use of Microsoft Office Suite and AI
- Effective communication skills
Certification
Group Benefits Disability Specialist (GBDS) designation
Timeline
Senior Strategic Client Executive EHB
Marsh Risk
03.2023 - 03.2026
Account Consultant, Labor Segment
CareFirst BlueCross BlueShield
02.2010 - 08.2022
Broker Sales Representative
CareFirst BCBS
03.2007 - 02.2010
Senior Sales Consultant & Individual Sales
UnitedHealthcare
05.1997 - 01.2007
Account Executive
IKON Office Solutions
09.1996 - 05.1997
Sales Consultant
MAMSI Health Plans
05.1995 - 08.1996
Group Systems Technician, promoted to Support Representative
Prudential Health Care Plan
03.1993 - 05.1995
Bachelor of Science - Accounting
Frostburg State University
Licenses
- Health and Life licenses in Maryland, District of Columbia, Virginia
- United States passport