Saba Gobal
Venice,FL
Summary
Result-oriented insurance professional with over 20 years of comprehensive experience in the insurance industry, establishing a distinguished track record in implementing and managing a wide array of insurance systems. Recognized for innovation, creativity, and a customer-centric approach, I am a seasoned professional specializing in the implementation of Commercial Lines of Business, Personal Line Business, and Farm Owner's Policies.
Overview
1
1
Certification
Work History
Principal Consultant/Business Analyst
LTI
- Implementing Duck Creek - Policy, Claims, and Billing including for Commercial Lines of Business including Bureau Reporting
- Line of Business includes - Workers Comp, Commercial Property, Commercial General Liability, Builders Risk, Inland Marine, Crime, Business Owners Policy
- Reporting include Actuarial, Underwriting, Marketing, ISO Bureau, and NCCI
- Legacy conversion using ETL, PLSQL and other tools
- TPA – Third Party Claims Automation – Collect data, transform, validate, generate exception report, and inject to Duck Creek Insights
- Generate various reports including Bureau Reporting.
Senior Consultant/Business Analyst
Universal North America Insurance
- Guidewire Implementation Consultant
- Policy, Billing Claims, Reporting Data warehouse using various tools
- Writing detailed software requirements for large, complex projects
- Working with GW Rating and Forms Implementation
- Reporting frameworks including IBM Cognos, SQL Server Reporting Services (SSRS)
- Working with BI/information infrastructures including an Application Data Mart, Enterprise Data Warehouse (EDW), and ETL
- ISO/State/Financial Bureau Reporting for all States.
Senior Consultant/Business Analyst
Berkshire Hathaway Insurance Group
- Worked on implementing ISO on All commercial lines of business for all states in Duck Creek System
- Worked as BA and Tester on Specialty Lines of Business worldwide
- Working on financial reporting for all Lines of Business
- Prepared Data mapping for coverages and fields as BA and tested on EDI Reporting and State Reporting
- Prepared complex data mapping from the source system to various reporting systems
- Worked as BA and Tester on Policy forms mapping and assessing all Rules, Rates, Forms, Coverages, ISO Circulars, and pages
- In addition to OnBase - Document management software functionality and validations
- Tested various implementations, ISO Circulars, Rules, Rates, Forms, and Pages
- Established great relationships with businesses and found the best technical solutions
- Trained Onshore and Offshore teams on ISO implementation - Duck Creek and ICO Lines of business
- Prepared Test scripts from Requirement, Executed the test scripts, identified the requirement gaps, signed off, Feature/Functional Tested Manual/Automated Testing, and helped the User acceptance testing, preproduction testing, and production testing
- In addition, Regression testing, positive and negative testing
- Prepared BRD/FRD from ISO, Company deviations, Company products, reporting, and UAT Testing Prepared User Manual/Training Manual in depth on Commercial Lines of Business and ISO process
- Led a team over ten.
Senior Consultant
Berkshire Hathaway Insurance Group
- Implemented new system
- Worked on Business Owners Policy and Workers Comp
- Worked on EDI Reporting and State Reporting
- Tested various implementations.
PM/Senior Consultant/Lead Business Analyst
CGI
- Implemented ISO-ERC for Commercial Auto automation for all States to work with Guidewire and other systems
- CGI Database Policy Builder - Created Formula/Tables/Fields
- Configured for ERC Rates Tables and Algorithm for all LOB
- Prepared User Guide/Training manual and trained on ISO
- Worked on ISO Circulars, ISO Manual, ISO Release notes, ERC
- Translated ISO ERC to Database Formula
- Tested for coverage, rules, validation and rates, process efficiency and all related subjects
- Worked with Agile and waterfall methodology
- Worked on stories and stories grooming
- Prepared Testing documents
- Led team.
PM/Implementation Manager
Missouri Employer's Mutual Insurance Company
- Policy/Billing/Claim
- System Gap Analysis - Policy, Billing, and Claim - Guidewire Version 4.0 vs Version 8.0
- Business Gap Analysis for the Guidewire Policy, Billing, and Claims
- Working on Guidewire implementation - Policy, Billing, and Claim - 8.0
- Contributed to improve process efficiency
- Worked with stakeholders
- Customized requirements for streamlining the process
- Prepared test cases per user requirements including rating, data mapping, and functional testing
- Workers Compensation.
PM/Sr. Consultant/Lead Business Analyst
EBaoTech Corporation
- Policy
- Successfully implemented all lines of business (Commercial Auto, Property, GL, Crime, BOP, Inland Marine, Professional Liability, Surety Bond Insurance, and Farm) for all states, including both Policy and Claims
- Utilized ACORD XML, ISO Rating Services, and ERC (Electronic Rating Contents) for implementation
- Identified all coverages with limits and deductibles
- Identified causes of loss
- Prepared Test Cases
- Implemented data transfer from the Policy Admin System to the Insurance Company's Data System
- Analyzed functionalities and computations for premiums to implement software changes
- Performed rating for all lines of business
- Trained over fifty staff in Property and Casualty Insurance coverage and systems
- Worked on Statistical and Financial Reporting for all lines of business
- Generated Business Requirements and System Requirements
- Reviewed and revised all Business Requirements and Technical Documents as needed
- Reviewed ISO Circulars, Rules, and Rates and wrote technical specifications
- Cut required maintenance time and reduced project costs by millions of dollars
- Merged multiple systems into one to increase both accuracy and efficiency
- Developed an efficient biotech product that can be used by a client within a few months instead of several years
- Conducted Developer Testing, QA Testing, Functional Testing, and User Exception Testing
- Prepared test cases in accordance with user requirements including rating, data mapping, and functional testing
- Worked with Insurance applications for Latin America, Asia Pacific, and Europe; transferred data via ACORD XML standards for Policy, Claims, and Billing
- Integrated biotech system with AQS and ISO Integrated Tables
- Worked with Agile and waterfall methodology
- Worked on stories and stories grooming
- Prepared Testing documents
- Led team
- Configured Policy/Audit/Reinsurance.
PM/Implementation Manager
FCCI Insurance Group
- Policy
- Line of Business - Commercial Lines, Professional Liability and Surety/Bond
- Streamlined Worker's compensation class codes and validated 20,000+ class codes with termination dates into the Phoenix System to save hundreds of Product Managements and IS hours
- Generated pricing reports for 2004-08 policies to calculate real pricing
- Generated Umbrella pricing report that was instrumental in the Actuarial department's adjustment of reinsurance premiums
- Produced a semi-automated Phoenix Claim that reduced the amount of time spent on implementing new lines of business
- Successfully implemented various projects efficiently and cost-effectively and per all State, Company, Form, and Rating Rules (ISO and NCCI)
- Implemented Tax Reporting
- Worked on Statistical and Financial Reporting for all lines of business
- Implemented NCCI - Workers Comp Reporting
- Implemented Workers' Compensation policy admin and claim Center
- Implemented Data mapping for Claims, Policy, and billing for all lines of insurance
- Utilized XML, XSLT, .NET, and Web Services to implement automated tools to process policies
- Implemented the Out of Sequence Endorsement
- Within only three months and with minimal costs, implemented a new state for FCCI, Virginia, for Commercial Auto, Crime, Inland Marine, and Total Insured Value Report
- Facilitated ODS, Claim, Billing, and Midwest Implementation by helping auditors access production changes, request numbers, and effective dates
- Developed a new Commercial Line Rate Review that has saved FCCI millions of dollars
- Merged four systems into one to increase both accuracy and efficiency
- Increased the speed at which FCCI products can be put into the market
- Consistently managed projects under budget, on time, and of superior quality
- Created user-friendly Business Requirements and System Requirements using PLSQL that aided Developers and QA to streamline processing
- Integrated systems into ISO Integrated Tables
- Conducted Developer Testing, QA Testing, and User Exception Testing
- Prepared test cases per user requirements including rating, data mapping, and functional testing
- Worked with Agile and waterfall methodology
- Worked on stories and stories grooming
- Prepared Testing documents
- Led team
- Configured Policy/Audit/Reinsurance.
Systems Analyst /PM/Configurator
Utica First Insurance Company
- Saved thousands of Dollars by implementing an automated rating system for Personal Auto, Business Owners, Homeowners, and Garage including statistical coding/reporting in only four months
- Implemented Upload/Download using XML/AL3 for Personal Lines of Insurance using ACORD standards
- Led the implementation of claims for all lines of business using ACORD systems
- Identified all coverages including limits and deductibles
- Identified the causes of loss
- Worked on Statistical and Financial Reporting for all lines of business
- Worked with Agile and waterfall methodology
- Worked on stories and stories grooming
- Prepared Testing documents
- Led team
- Configured Policy/Billing/Claims system.
Technical Assistance Associate
CNA Insurance Company
- Implemented an automated rating system for Commercial Lines of Insurance
- Trained staff on both Commercial lines Rating and Processing
- Provided technical assistance for both staff and management.
Supervisor
Reliance Insurance Company
- Managed and trained 14 staff members in policy processing
- Trained Policy Processing System for Agencies
- Implemented a new program of insurance
- Worked as a Product Specialist for identifying the changes on ISO/NCCI/AAIS forms
- Filed company exceptions with the State.
PM/Sr. Consultant/Lead Business Analyst
American Family Insurance Company
- 06.2014
- Policy/Billing
- Worked with Guidewire Policy - 7.00 - Home Owners and Personal Auto Policy
- Contributed to improve process efficiency
- Worked with stakeholders
- Customized requirements for streamlining the process
- Prepared test cases per user requirements including rating, data mapping, and functional testing
- Worked with Agile and waterfall methodology
- Worked on stories and stories grooming
- Prepared Testing documents
- Led team.
Education
Associate of Applied Science in Computer Science Degree in Applied Science -
Union College
CPCU - Insurance And Finance
CPCU Society
Malvern, PA 05.2001 -
Skills
Azure (4)
Oracle (10)
SQL Server (5)
DB2(5)
Azure (4)
Oracle (10)
SQL Server (5)
DB2(5)
ISO - Commercial Lines of Insurance (10 years)
ITIL (3 years)
Billing (10 years)
Data analysis (5 years)
Data mapping (4 years)
Mapping (5 years)
C# (3 years)
Xml (10 years)
Jira (3 years)
OnBase (4 years)
Image rights (6 Years)
SharePoint (4 years)
Java (4 years)
Claims (10 years)
Audit (5 years)
Insurance billing (7 years)
Reinsurance (5 years)
Commercial lines (10 years)
Insurance claims (10 years)
Test lead (5 years)
Microsoft Products (10 years)
Duck Creek (3 years)
Commercial Auto Implementation (10 years)
Commercial Property Implementation (10 years)
Homeowners Policy Implementation (10 years)
Business Owners Policy Implementation (10 years)
Workers' Compensation Implementation (10 years)
Rally project management tool (3 years)
Guidewire (7 years)
Ratabase (2 years)
PL/SQL (5 years)
Oracle (5 years)
Agile
Test Cases
Microsoft SQL Server
Web Services
MySQL
APIs
Outlook
Word
Excel
Access
Team
SharePoint
Azure
ADF
Data lakes
ETL
ELT
Scrum
User Acceptance Testing
Business Requirements
Test Automation
Waterfall
JavaScript
Websites
Certification
CPCU (October 1995 to Present)
Requirement Gathering
Product Strategy and vision: Develop and maintain, document, and communicate clear product versions – Blueprints, road maps for the various product streams and preparing user manuals for different team members. Recommend additional product solutions, and priorities based on the value for the company including automation as well as needed cost-effectively. Requirement Gathering and Documentation: Collaborate with stakeholders to gather, and define product requirements including user stories, grooming/ User Interfaces, Business Requirements Documents(BRD), Software Requirements Documents(SRD) Technical Requirements, Functional Requirements Documents (FRD), Non-Functional Requirements Documents (NFRD), Functional GAP documents, System Requirements, User Story, Sub User Story, Task, Grooming user stories for a day worth of work, Use Cases, Development and testing documents and training. Testing: UNIT, Smoke, QA, UAT, automated testing as possible Data mapping Requirements: Legacy/TPA to current system data mapping for all tables, columns, Pick List, and transformation for any data pipelines. Among Agency Systems and Carrier Systems, third-party systems, and various applications. Application Data to the Document management system to populate the documents. Product Owner: Collecting all Lines of Business products – Rules, Rates, Forms, UI with ISO Circulars, ERC contents and update the requirements work with Actuarial departments for adoption date and exception by states and companies for Admitted and non-admitted products. Excess and Surplus lines of Business. The requirement to modify the base products for the client’s needs.
Project Management
Agile, Waterfall, Hybrid, MVP, Rally, DevOps, Jira, Scrum, Kanban
Insurance Product Expertise
Commercial Auto, Commercial Auto-MA, CPP, Property, GL, Inland Marine- ISO, Inland Marine - AAIS, Crime, Prof Liability, D & O, Commercial Umbrella, Business Owners Policy, Workers Comp, Farm Owners, Homeowners Policy, Personal Auto, Personal Umbrella, Reinsurance, Surety, Life Insurance
Global Acumen
With a focus on North America, Latin America, APAC, and Europe, I have a comprehensive understanding of the global insurance landscape. This includes working with insurance applications tailored for diverse regions and implementing data transfer via ACORD XML standards.
Implementation Leadership
I have been instrumental in implementing various systems such as Duck Creek, Guidewire, and CGI(Ratabase) for commercial lines like Workers Comp, Commercial Property, General Liability, Builders Risk, Inland Marine, Crime, and Business Owners Policy. This includes legacy conversions, third-party claims automation, and bureau reporting.
Leadership And Training
Instrumental in implementing Duck Creek, Guidewire, and CGI(Ratabase) for various lines of business. Expertise in legacy conversions, third-party claims automation, and bureau reporting. Proven track record of effective leadership, training, and collaboration with stakeholders.
Certifications And Learning
CPCU (Chartered Property Casualty Underwriter) certification. Florida Suncoast Chapter President. FCCI – Toastmaster Chapter president with Toastmaster Certificate CTM.
Citizenship
US Citizen
Affiliations
CPCI - Past President - Florida Suncoast Chapter
Toastmaster - Past President
Timeline
CPCU - Insurance And Finance
CPCU Society
05.2001 -
Principal Consultant/Business Analyst
LTI
Senior Consultant/Business Analyst
Universal North America Insurance
Senior Consultant/Business Analyst
Berkshire Hathaway Insurance Group
Senior Consultant
Berkshire Hathaway Insurance Group
PM/Senior Consultant/Lead Business Analyst
CGI
PM/Implementation Manager
Missouri Employer's Mutual Insurance Company
PM/Sr. Consultant/Lead Business Analyst
EBaoTech Corporation
PM/Implementation Manager
FCCI Insurance Group
Systems Analyst /PM/Configurator
Utica First Insurance Company
Technical Assistance Associate
CNA Insurance Company
Supervisor
Reliance Insurance Company
PM/Sr. Consultant/Lead Business Analyst
American Family Insurance Company
- 06.2014
Associate of Applied Science in Computer Science Degree in Applied Science -
Union College