Tracy Childers
Salisbury,NC
Summary
Dedicated insurance professional with a strong work ethic and a proven ability to adapt in dynamic environments. Recognized for building and maintaining robust relationships with clients, agents, and team members while consistently supporting team success. Proficient in mastering new skills quickly and working effectively without supervision to achieve positive results.
Overview
35
35
years of professional experience
Work History
Insurance Regulatory Analyst II
North Carolina Department of Insurance
Raleigh, NC
06.2022 - Current
- Agency investigator assigned to 51 counties in Central and Western NC.
- Maintained detailed logs of monthly travels covering 1,500 to 2,500 miles.
- Conducted over 240 in person audits
- Delivered procedural case summaries in more than 20 informal hearings.
- Crafted weekly personal schedule incorporating random agency reviews, designated complaint-based targeted reviews, and enforced follow-up compliance checks to meet requirement of 4 days field work
- Utilized various databases and public records to research and compile information relevant to investigations.
- Requested and monitored carrier reports to identify agency negative trends in compiled datasets
- Conducted an analysis of NC General Statutes and Administrative Codes for compliant agency operations.
- Performed audits for a comprehensive review of agencies' bank statements, premium financial transactions, individual and business entity licensing, policy underwriting, advertising, fee schedules, and general operating procedures.
- Evaluated audit results directly with agents and provided guidance for corrective measures.
- Prepared detailed investigative reports and presentations, summarizing findings and recommending actionable steps.
- Managed time effectively to ensure tasks were completed on schedule and deadlines were met.
- Established collaborations for complex cases with the Agents Services Licensing Division, Criminal Investigations Division and NC Attorney General's office.
- Utilized advanced insurance product knowledge and risk management expertise to troubleshoot complex problems and implement solutions.
- Maintained strict confidentiality and discretion in handling sensitive information and investigations.
- Member of the Pearson VUE NC Examination Review Committee (2023, 2024) Property & Casualty Test Development
- Attended PIANC ( Professional Insurance Agents of NC) annual convention August 2024
- Attended IRES ( Insurance Regulatory Examiners Society ) Career Development Seminar July 2024 Bonita Springs FLA
- Represented NCDOI at Cleveland County fair booth (2022, 2023)
- Supported Hurricane Helene department initiatives and staffed booths at Victim Assistance Centers in Boone, Blowing Rock, and Spindale, NC. (2024)
Agency Manager
Harvey & Owings Insurance Agency
Kannapolis , NC
07.2013 - 06.2022
- Licensed agent NC Property & Casualty, obtained in 1997, and NC Life & Health, in 2001.
- Oversaw operations of an independent agency with more than 15 carrier appointments.
- Cultivated partnerships with notable aggregator agencies, specifically Smart Choice and Agents Inc.
- Established relationships with prominent MGAs (Managing General Agency) such as Jackson Sumner, Johnson & Johnson, and RPS.
- Secured premium financing and agency draft authority for finance contract execution with Standard Premium Finance Management.
- Liaison for new agency carrier appointments and contracting which involved introductory meeting and interview, agency application submission, agent code assignment and subsequent system training.
- Boosted collaborative performance by maintaining strong communication with Underwriting and Claims stakeholders.
- Applied in-depth expertise of NC multiline products to proficiently manage auto, home, specialty, commercial and umbrella insurance domains.
- Commercial specialist for the agency adept at navigating the coverage placement through both standard and surplus markets, obtaining loss runs, audit assistance and research of existing policies for inclusion of coverages needed for new contracts.
- Developed relationships with new clients through cold calling and referrals from existing customers
- Adept at developing and implementing comprehensive insurance plans for clients according to their individual needs.
- Counseled prospects and policyholders on coverage, limits and regulations.
- Expertly managed the sales process through client interviews, front-line underwriting, company placement, application submission, and trailing document follow-ups.
- Secured mutually beneficial contract terms through strategic negotiation.
- Serviced existing customers by assisting with requests involving vehicle additions/removals, address or driver updates, mortgagee or lienholder changes, and proof documents requests for DL-123, FS-1 or evidence of insurance.
- Prepared commercial certificates of insurance.
- Calculated premiums and established payment methods, receiving customer payments and issuing receipts.
- Conducted agency retention measures by researching policy renewal increases to determine rate impacting causes and developed appropriate plan of action.
- Collected essential information from clients to facilitate claims reporting.
- Boosted agency internet traffic and SEO through regular blog posts.
Education
Some College (No Degree) - English Education completed 1 yr
Appalachian State University
Boone, NCSome College (No Degree) - Certification NC Prop & Casualty / NC Life Health
Durham Technical Community College
Durham, NCSkills
- Regulatory compliance
- Data analysis
- Audit performance
- Risk Analysis
- Case management
- Report writing
- Effective communication
- Problem solving
- Legal research
- Multitasking ability
- Organizational skills
- Active listening
- Integrity & Ethics
- Analytical thinking
- Policy interpretation
- Presentation skills
- Detail orientation
- Insurance product knowledge
- Sales process
- Process improvement
- Collaboration skills
- Client counseling
- Property examination
- Customer service
- Licensed insurance agent
- Marketing strategies
- Client retention
- Property insurance
- Territory management
- Financial due diligence
- Cross-selling
References
References available upon request.
Timeline
Insurance Regulatory Analyst II
North Carolina Department of Insurance
06.2022 - Current
Agency Manager
Harvey & Owings Insurance Agency
07.2013 - 06.2022
Some College (No Degree) - English Education completed 1 yr
Appalachian State University
Some College (No Degree) - Certification NC Prop & Casualty / NC Life Health
Durham Technical Community College
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