Tammy Thomas

• Performed extensive research and analysis to determine the financial risks the organization may face.
• Investigated and managed organization-wide auto liability, general liability, workers' compensation, and property claims, negotiating timely and cost-effective resolutions.
• Worked collaboratively and cooperatively with all departments to minimize human, property, and financial risk.
• Prepared claims correspondence, including denial letters, information seeking, validation of demands and costs, and reservation of rights letters associated with claim management compliance and transactions.
• Assembled invoices regarding associated fees and costs for tortfeasors concerning subrogation matters and pursued until payment was remitted.
• Reconciled claims handling invoices for handling fees and incurred claims costs, ensuring payment accuracy for company financial benefit.
• Arranged and participated in virtual conferences with attorneys, case experts, senior managers, internal counsel, and insurance carrier representatives to synthesize strategic action plans regarding exposure, defenses, and settlement of claims.
• Attended and engaged in mediations and trials for optimal outcomes.
• Implemented a centralized system for tracking and managing identified risks, increasing transparency in risk reporting and reducing incident response time by 7%.
• Provided expert guidance on insurance coverage options based on an in-depth understanding of company-specific risks and exposures.
• Gathered and submitted all information requested from insurance brokers and carriers annually for insurance renewal to seek optimum coverage at the lowest rates..
• Implemented data-driven approaches to evaluate the effectiveness of existing risk management initiatives, leading to more informed decision-making processes.
• Acted as primary communication manager and liaison with all insurance-related partners, including carriers, brokers, and vendors, to ensure all parties were equally informed

• Conducted thorough investigations of complex claims, gathering relevant documentation and interviewing witnesses, claimants, and other involved parties, ensuring factual and complete information was recorded.
• Examined photographs, police reports, medical records, and other tangible evidence to efficiently and effectively interpret claim facts.
• Reviewed and interpreted policy provisions, endorsements, and exclusions to accurately determine coverage for claims.
• Analyzed information gathered through investigation and exercised critical thinking and problem-solving skills in deliberating claim exposures and settlements.
• Provided exceptional customer service by empathetically addressing claimant's concerns and effectively explaining the claims process to them, resulting in a 15% increase in positive claim experience.
• Handled sensitive information with discretion, ensuring confidentiality of personal and financial details for claimants.
• Applied previous work-related acquired knowledge and experience of laws, statutes, policies, procedures, and best practices when analyzing and managing workers' compensation, property, and casualty adjudication across multiple jurisdictions.
• Implemented efficient workflow strategies and prioritized tasks, reducing claims processing time by 10%.
• Handled a heavy workload of 150+ claims effectively by prioritizing tasks and using optimal time management and organization skills, resulting in frequent quarterly awards.
• Enhanced claim constituents' satisfaction by 11% by promptly addressing inquiries and providing accurate information on claim status.

• Established strategic risk management methods based on

evolving business priorities.

• Developed strategic partnerships with internal business partners to encourage embracing risk management objectives.
• Managed the organization's planning, development, piloting, implementation, measuring, and continuous improvement of insurance and claim best practices.
• Performed underwriting data collection for the development of annual underwriting submissions and directed oversight of all property and casualty program placements.
• Reduced insurance costs by 6% through strategic risk transfer mechanisms and negotiations with insurance providers.
• Managed insurance programs efficiently, balancing coverage needs with budgetary stipulations while maintaining optimal protection against losses.
• Prepared and presented delivery of underwriting presentations for insurance program renewals and marketing efforts.
• Evaluated cost-benefit analysis of diverse insurance program structures and advised appropriate recommendations to the Director of Risk Management
• Participated in the research and analysis of Captive Insurance feasibility.
• Guided senior management in decision-making processes with risk-based insights, leading to more informed strategic choices.
• Provided guidance and subject matter expertise on policy coverage and appropriately provided evidence of coverage to protect the organization.
• Collaborated with brokers, insurers, and third-party administrators efficiently and effectively.
• Managed casualty, property, marine, business travel accident, aviation, and worker's compensation claims to conclusion.
• Directed audit processes.
• Completed property engineering, appraisals, fire protection improvements, and capital recommendations aside property insurer at each manufacturing location to ensure all suggestions are appropriate and implemented within budget.
• Reviewed contracts for potential liabilities or exposures, recommending adjustments as necessary to minimize overall legal and financial impact on the organization.