TALIA COWAN
READING,PA
Summary
Results-driven Senior Commercial Claims Representative with expertise in managing complex claims from investigation to resolution. Specializes in liability analysis, coverage determination, and settlement negotiation while ensuring regulatory compliance. Demonstrates success in reducing financial exposure and enhancing customer satisfaction through effective communication and cross-functional collaboration.
Overview
26
26
years of professional experience
1
1
Certification
Work History
Senior Commercial Claims Representative
National Interstate Insurance
Richfield, Ohio
10.2023 - Current
- Manage a high-volume caseload of complex commercial claims from initial report through resolution
- Conduct detailed investigations, including interviews with insureds, claimants, witnesses, and experts
- Evaluate liability, damages, and policy coverage to determine claim exposure and appropriate resolution strategies
- Establish and adjust reserves based on claim developments and projected financial exposure
- Negotiate settlements within authority and ensure timely, cost-effective claim resolution
- Identify subrogation opportunities and coordinate recovery efforts with internal teams
- Escalate severe or high-risk claims to management while providing strategic recommendations
- Maintain accurate documentation and ensure compliance with all regulatory requirements
- Consistently exceed key performance metrics including quality, productivity, and cycle time
Commercial Claims Adjuster
The Hartford Insurance
San Antonio , TX
09.2021 - 10.2023
- Investigated and resolved commercial claims, ensuring accurate coverage determination and liability assessment
- Interpreted policy provisions and applied coverage appropriately, escalating complex scenarios as needed
- Managed reserves, authorized payments, and controlled claim costs effectively
- Collaborated with attorneys, underwriters, and agents to develop resolution strategies
- Conducted thorough claim analysis to mitigate financial loss and ensure compliance with jurisdictional requirements
- Delivered consistent results in fast-paced, high-pressure environments
Commercial Claims Adjuster
CNA Insurance
Wyomissing, PA
01.2019 - 09.2021
- Handled end-to-end claims processing including investigation, evaluation, and resolution
- Determined liability and negotiated settlements within assigned authority limits
- Identified third-party recovery opportunities and worked closely with subrogation teams
- Analyzed claims activity and prepared reports for management review
- Maintained detailed and accurate file documentation to support business and legal outcomes
Relationship Banker
Citizens Bank
Reading, PA
08.2017 - 01.2019
- Opened and managed customer accounts including checking, savings, loans, IRAs, and CDs
- Identified client financial needs and recommended appropriate banking products
- Cross-sold and up-sold services to drive revenue and enhance customer satisfaction
- Maintained compliance with all banking regulations and internal policies
Service Advisor
Spring Ridge Financial
Wyomissing, Pennsylvania
06.2016 - 08.2017
- Provided administrative and operational support to financial advisors
- Assisted clients with account inquiries, documentation, and issue resolution
- Maintained accurate records and ensured compliance with industry regulations
Online Banking BillPay Support Lead / Customer Rel
Santander Bank
Reading, Pennsylvania
01.2000 - 06.2016
- Led customer support operations for online banking and BillPay platforms, enhancing user satisfaction and platform reliability
- Resolved complex customer issues and managed executive-level escalations, ensuring timely resolutions and maintaining client trust
- Delivered high-quality customer service while balancing business and client needs
- Managed operational reports and identified process improvements, streamlining workflows and enhancing service delivery
- Ensured compliance with Regulation E, privacy standards, and audit requirements
Education
High School Diploma -
Reading Senior High School
Reading, PA06-1996
Skills
- Claims Investigation & Resolution
- Coverage & Liability Determination
- Settlement Negotiation
- Claims Analysis
- Subrogation Identification & Recovery
- Reserve Management
- Regulatory Compliance
- Risk Assessment and Mitigation
- Data Analysis and Reporting
- Customer Relations
Certification
- Texas License
Timeline
Senior Commercial Claims Representative
National Interstate Insurance
10.2023 - Current
Commercial Claims Adjuster
The Hartford Insurance
09.2021 - 10.2023
Commercial Claims Adjuster
CNA Insurance
01.2019 - 09.2021
Relationship Banker
Citizens Bank
08.2017 - 01.2019
Service Advisor
Spring Ridge Financial
06.2016 - 08.2017
Online Banking BillPay Support Lead / Customer Rel
Santander Bank
01.2000 - 06.2016
High School Diploma -
Reading Senior High School