Yousuf AlKuwari

• Championed insurance claims process by providing expert knowledge and building positive, trusting relationship to support clients during challenging times.
• Determined proper course of action for claims processing.
• Identified insurance coverage limitations with thorough examinations of claims documentation and related records.
• Read over insurance policies to ascertain levels of coverage and determine whether claims would receive approvals or denials.
• Clarified coverage of losses to policyholders and provided assistance in itemizing damages and finding alternative living arrangements.
• Evaluated original investigation reports and documents to resolve secondary concerns.
• Directed and coordinated various investigations conducted by field investigation team.
• Determined liability outlined in coverage and assessed documentation such from police and healthcare providers to understand damages incurred.
• Directed claims negotiations within allowable limit and supported successful litigations for advanced issues.

• Directed branch network, operations, retail, bookkeeping, compliance, enterprise risk, marketing, public relations, business development, core processing, branding, social media, security, sales, electronic delivery channels, efficiency, change management, culture and product development functions of company.
• Strategically plan for future of organization by developing short, intermediate and long-range plans, acquisition strategies, operational efficiencies, change management and technology needs of company to achieve goals and objectives for company.
• Ensures consistent delivery of all services, promoting strong customer service standards, regulatory compliance and operational efficiency to encourage continuous improvement.
• Determine methods and procedures for executing corporate wide strategic plans, action plan initiatives and programs within company.
• Progressively manages and launches marketing, advertising, branding, social media, public relations, consumer education and community service efforts of company.
• Actively lead, manage and monitor projects and committees related to operational, product and sales initiatives to ensure bank is aware and incorporating new trends, technology and product offerings to exceed customer expectations.

Key :

• Created dynamic and responsive team resulting in increased profitable retail growth and revenue generating sales consistently over 2 years.
• Directed cross-functional team to evaluate and implement new core processing, electronic delivery channel and ancillary product systems.
• Inspired culture evolution within organization to improve customer experience.
• Evaluated organizational compensation philosophy and introduced new total compensation structure.
• Consistently exceeded annual budget goals for core retail growth and portfolio products per domestic population growth.
• Spearheaded corporate initiatives to become highly profitable while managing risk and remaining healthy institution.
• Substantially improved productivity while reducing staffing and operational costs.
• Developed and introduced profitable new products.
• Developed and implemented new strategies and policies in collaboration with executive partners to establish and achieve long-term business objectives, providing company with strong and sustainable organizational leadership.

Managed delivery channels, retail, operations and sales functions of organization including providing leadership, guidance and supervision to retail market managers, retail sales managers, office coordinators, bookkeeping, call center, business development, retail sales representatives and CSAs.

• Identifies, improves and actively manages operational efficiencies within unit by measuring and monitoring reliability, integrity and security of company systems.
• Develops and implements new process controls, approaches and identifying appropriate staffing needs within organization to achieve objectives of company.
• Accountable for establishing short, intermediate and long-range strategic planning initiatives to exceed goals and objectives of organization by analyzing data, preparing budget estimates, developing marketing strategies and implementing policy and procedures within business units.
• Develop, prepare and deliver retail operational, compliance, product and training for staff through variety of mediums to ensure new and existing staff are informed and effectively delivering service.

Key Achievements :

• Streamline operational processes which resulted in cost savings and professional development of key employees.
• Enhanced security and compliance.
• Implemented standard processes, procedures and staff training in corporate department.
• Develop improved organizational structure of operations departments to effectively utilize staff strengths.
• Exceed established budget goals through active participation and leadership in sales management and business development programs.
• Created profitable products to increase growth.
• Initiated strategy to alter corporate product mix portfolio to successfully reduce risk and increase profitability.

Managed current company's corporate portfolio closely with relationship managers and business development employees.

• Oversaw sales development and marketing activities for all service and alternative delivery channels.
• Effectively nurture and promote cross sales environment focusing on volume, portfolio growth, profitability and new accounts.
• Train and develop new hires and current staff on sales initiatives, marketing concepts, branding and development.
• Evaluate, design and launch business products for all delivery channels.
• Develop, coordinate and implement promotions, sales activities and trade events.

Key Achievements:

• Exceeded budget goals.
• Effectively nurtured and promoted cross sales environment focusing on growth, new contributors, services, business, commercial and new corporate accounts.
• Managed budgets to reduce expenses and increase profitability.
• Instituted retail compliance structure to develop sound regulatory performance.
• Facilitated and led culture change to improve customer experience.
• Designed, monitored and implemented incentive and sales programs.
• Developed, coordinated and implemented marketing strategies.
• Effectively organize and manage corporate and cultural changes within divisions.

Hand selected to develop, manage, launch and implement.

• Actively responsible for internal and field support for dedicated staff and brokers.
• Accountable for compliance and monitoring to ensure regulatory standards are achieved.

Key Achievements:

• Increased brokerage referrals received.
• Developed and conducted revenue generating activities including client oriented appreciation events.
• Organized and coordinated multiple successful staff recognition awards.

• Conducted job analysis, salary surveys and market analysis to deliver competitive compensation and benefits packages.
• Supervised job interviews to verify compliance with HR best practices.
• Coordinated new hire onboarding, completing background checks to complete screenings.
• Developed and implemented comprehensive human resources policies and procedures.
• Enhanced employee job satisfaction by coordinating communication between managers and employees.
• Assisted managers and supervisors with employee disputes, disciplinary actions and other workplace issues.
• Maintained current knowledge of industry regulations and legislation to amend policies and compliance.
• Distributed employee engagement surveys to identify areas of improvement.