SONIA C. ROMERO

• SME in legacy insurance software and insurtech ecosystems within a global organization. Research focused on breadth of software functionality, scalability, limitations, and strengths, and how it can affect the entire policy administration life-cycle for insurtech and insurance companies conducting business throughout NA, EMEA, APAC, and LATAM. Author of “Natural Catastrophe Risk Modelling Software Market Overview Report”.
• Develop criteria and methodologies for rating reports of insurance ecosystems, platforms, and various specific insurance industry software offerings, including artificial intelligence, machine learning, Internet of Things (IoT), Block Chain, and predictive analytics.
• Researched and analyzed risk technology for the global property and casualty insurance market to provide strategy and management advisory to enterprises as they drive business performance through improved risk management, corporate governance, and compliance to support clients in making informed technology and operational risk decisions by providing in-depth analysis and actionable advice on virtually all aspects of risk technology.
• Maintained confidentiality of all patient information to conform to HIPAA, internal, and other regulatory standards
• Performed research into study topics to increase knowledge and to provide valuable contributions
• Wrote research papers, reports, reviews, and summaries regarding natural catastrophe risk modeling software and applications.
• Wrote research papers, reports, reviews, and summaries regarding insurance technology.
• Wrote research papers, reports, reviews, and summaries regarding [Area of expertise]
• Streamlined research processes to meet tight deadlines for multiple projects

• Assisted in researching, writing, and reviewing existing and new criteria and methodology procedures for determination of financial strength of insurance companies in English and Spanish.
• Led documentation life cycle review process for procedural reviews for existing criteria, as well as redlining, editing, and authoring of new criteria and methodology procedures for insurance ratings
• Communicated with both internal and external constituents on inquiries about criteria
• Conducted thorough documentation review of the process for external comments on AM Best’s criteria and methodology
• Handled all ad-hoc requests and developed procedures as needed
• Automated and improved group processes, documentation, and filing processes
• Ensured consistency in presentation and compliance content
• Researched, managed, and updated regulatory procedures for criteria and methodology in accordance with SEC, ESMA, and CNBV regulations
• Provided project support to ESG and GRC initiatives within a global organization
• Researched, managed, compiled, sampling rating committee packages for consistency in the application of criteria
• Audited internal application of criteria and performed validation reviews for compliance fulfillment.

• Documented and reviewed the renewal process to ensure that communication and process flow between Marsh, carriers, and clients were timely and consistent, from submission to policy issuance
• Gathered and reviewed required client information to ensure that client teams could present information to clients and carriers and make appropriate recommendations
• Compiled all client renewal information; created renewal documents, and carrier confirmations; reviewed and followed up on submissions, endorsements, declinations, policy issuance, extensions, and cancellations
• Managed and recorded all confirmation and follow-up activities in the workflow system
• Compared certified policy-to-policy issuance requests; managed and recorded all activities in the workflow system to ensure timely follow-up and review by the client team
• Built and maintained relationships with client teams to provide timely and proactive customer service to client team and peers.
• Maintained high standards of customer service by building relationships with clients
• Processed eligibility and benefits verification and authorization requests
• Maintained confidentiality of patient finances, records, and health statuses
• Resolved discrepancies in insurance payments by collaborating with carriers

· Conducted extensive research and analyzed paper and electronic claims to resolve disputes by providers/members, as well as all necessary follow-ups with internal departments within regulatory timeframes.

· Created appropriate issue tracking requests for systematic changes by the Configuration Team, Contracting & Pricing Departments, and other internal departments as needed for complete resolution and quality control.

· Completed investigation and root cause analyses of complex claim issues and facilitated resolution, with multiple operational areas/teams; analyzed systems and processes involved in member enrollment, Medicaid state files, provider information management, benefits configuration, and/or claims processing.

· Conducted comprehensive analysis of claim issues to determine the cause of breakdowns and identify an appropriate course of action for resolution. Identified dependencies that could impact other members or providers.

· Subject matter expert and business owner of new, enhanced, and state-mandated personal lines for auto, home, and excess liability changes in two assigned states.

· Supported regional product managers through the planning and development of products based on strategic decision-making, competitor analysis, and state regulatory requirements.

· Drafted field and marketing communications detailing product enhancements and rate changes to producers, policyholders, and internal stakeholders.

· Supported Assistant VPs-Regional Product Managers; summarized all underwriting guidelines for Chubb’s Personal Lines for the ACE/Chubb integration and for presentation to ACE before the closing date.

· Entered all data for Home/Auto Surveys and data calls into various state Department of Insurance portals; helped develop workflow process for this task.

• Assessed, administered, and initiated property and casualty insurance programs for the organization; performed tasks required for renewals, including gathering and compiling exposure data from business units to submit to insurance brokers and underwriters for all lines of business (Commercial Property & Casualty, Builders' Risk, Workers' Compensation, WC Monoline, EPL, E&O, D&O, CGL, Fidelity/Crime, Commercial Auto, Equipment Breakdown/ Boiler Machinery, Flood, and Cyber Liability insurance)
• Managed invoice processing & tracking
• Managed Ledger entries and reconciliation
• Calculated insurance renewal premium cost allocations by business unit, using exposure and premium data; reconciliation of payments of insurance and annual property tax payments through HRI's vendors
• Prepared annual WC and general liability insurance audits, calculating and analyzing return of premium owed to the insurer or HRI
• Developed and administered risk-management and loss-prevention programs; created ad hoc reports, analyses, and schedules for the risk management department; reviewed documents and leases for summarizations and analysis
• Analyzed and reviewed all contracts, agreements, and policies to adhere to the company's policies and practices
• Liaised with attorneys and insurance companies; researched and investigated all incidences
• Initiated and maintained more than 500 FEMA flood policies; worked with engineers to provide information for flood elevation surveys/certificates
• Maintained necessary documents including policies, endorsements, invoices, applications, ACORD forms, and certifications, and monitors policy renewal dates and payments, updated and formulated insurance schedules for budgeting purposes for each property on a quarterly basis
• Coordinated and facilitated insurance requirements for financial closings; provided compliance items to lenders and investors when requested
• Corresponded with property management to monitor risk management issues and determined solutions
• Reviewed initial incident reports, and first notice of loss
• Provided claim management, support, liaised with attorneys and insurance companies; researched and investigated all incidences
• Assisted in litigation discovery process; maintained and monitored litigation chart and claim/incident files; answered interrogatories during the course of litigation; worked with TPAs to resolve claims; negotiated with insurance companies to initiate policies that comply with safety legislation and industry practices; calculated premiums and reduced deductibles
• Prepared documentation for applications required for federal and state historic restoration tax abatements, tax appeals, and PILOT programs
• Reviewed, monitored, and calculated return of premiums owed, duplicate coverage, and areas where premiums could be reduced for overall cost savings to the company.

• Researched, investigated, and compiled data for individual State Self-insurance Workers’ Compensations to qualify and attain certified self-insured status in various states (TX, LA, OK, MS); performed basic underwriting tasks and extensive research, and data mining) to incorporate into specific state government applications for approval into Workers’ Compensation Self-Insurance Programs; analyzed loss reserves for stringent regulatory qualifications in accordance with state laws, all of which resulted in a positive financial impact for Superior Energy
• Provided administrative support for Superior’s Insurance program domestically, along with global fleet support for Superiors' employees located in the UAE, Argentina, Colombia, Canada, Venezuela, Brazil, Mexico, Malaysia, Indonesia, and Ghana
• Processed, submitted, and documented Worker’s Compensation, and Commercial Auto claims through Liberty Mutual’s RiskTrac reporting system, as well as Superior’s Incident Management System (SEMS)
• Responsible for Superior’s fleet risk management; conducted training for individual departments, inspections of worksites, tracking of vehicles, and investigated near-miss incidents, accidents, and injuries
• Liaised between IT, Asset Management, Legal, and Risk Management during the implementation phase of in-house software/applications, such as Superior’s Contract database, which allowed for a streamlined document management program that housed Master Services Agreements, Maintenance Services Agreements, Finance, IT contracts
• As well as an in-house software program for Asset Management (SEPS) and Risk Management's Superior’s Incident Management System (SEMS).

• A licensed producer of property and casualty insurance. Responsible for the initial application process of property insurance policies for new and existing customers; serviced all new and existing customers for Allstate, American Modern, and Louisiana Citizen’s, which included quoting using Replacement Cost Estimators software.
• Communicated with mortgage brokers and processed endorsements for all policy changes; communicated with underwriters/claims adjusters regarding policyholder claims or policies.

• A catastrophe team member at a temporary Disaster Policy Holder Servicing Office established after Hurricane Katrina; advised policyholders of policy changes and applied amendments/endorsements to policies or contracts of adhesion.
• Communicated with underwriters to ensure proper coverage; completed claim queries from policyholders, and communicated with adjusters as needed.