Theresa L. Bonin

***** *. ********* ***** **********, AZ 85262 520-***-**** acgdhp@r.postjobfree.com

Accomplished and dynamic executive with a unique blend of expertise leading business operations and delivering high-performance technology solutions. Diversely experienced in start-up, turnaround and rapid growth - resolving long-standing problems and creating solutions that improve operational efficiency. Talent for proactively identifying and resolving problems - reversing negative trends, controlling costs, automating workflows,

maximizing productivity and driving profitable growth. Effective at building culturally diverse, team-centered operating units, with excellent business process and strategy development.

o Strategic Leadership & Critical Thinking

o Strategic & Operational Planning

o Automated Workflow Architect & Business System Design

o Technology & Business Linkage Planning

o Vendor Due Diligence & Oversight

o Business Metric Development & Execution

SELECTED ACCOMPLISHMENTS

Led business transformation. Embarked on initiative to boost stagnant sales and profits. Implemented turnaround process encompassing recognition programs, new internal controls, and improved training. Increased top line sales 750% and reduced operating expenses from 156% to 28%.

Reduced costs with sweeping changes. Restructured claims division, generating $2M annual savings. Established new standards to control Allocated Loss Adjustment Expenses, saving $4M. Negotiated cost effective business process outsourcing agreement with third-party claims administrator.

Rejuvenated morale and motivation with new programs. Introduced "Gumby" award program to encourage personnel to be more flexible and embrace change. Conceived "Employee of the Month" award and "Creativity Room." Recognized by President for success.

Overhauled administration system. Co-led feasibility analysis to replace enterprise legacy policy administration applications. Secured senior management approval for $72M funding of new system. Delivered phase 1 on time / under budget.

Managed rapid growth. Overhauled ineffective methods, integrated new technologies, developed strategic outsourcing alliances and streamlined processes. Created the internal systems / methods to support a 350% three year revenue growth.

Designed business system for startup company. Co-lead initiative to design a disciplined approach and tools to improve product quality and accelerate new products and state offerings. Three months in to the new process quality increased by greater than 20% and new state product design went from several months to 30 days.

PROFESSIONAL EXPERIENCE

National Operations Leader

2013 to present

Crestbrook Insurance Company (subsidiary of Nationwide Mutual Insurance) - startup Personal Lines Property and Casualty insurer focused on the affluent market

Recruited to establish the infrastructure to enable User Acceptance Testing

and Production Support for new policy admin application. Additional

leadership accountabilities include Project Management Office oversight,

Business Analytics & Reporting and Process Optimization.

? Built the Product Support business system from the foundation up. Introduced a disciplined approach to managing change requests, established formal prioritization process and production support release management strategy.

? Collaborated with 3rd party vendor to establish fully functioning User Acceptance Testing capabilities to support Agile development of policy admin application. Introduced Scrum, designed testing tools to enable complete traceability and developed training curriculum for new testers.

? Established Project Management Office infrastructure. Defined the standards and methodology for project management. Multi-phase approach, phase one focused on project schedules, issue and risk mitigation and monitored and reported on active projects and reported progress to top management.

Realtor

2011 to 2013

RE/MAX Valley Properties - specializing in the Green Valley real estate market.

Expertise in guiding Buyers and Sellers smoothly and successfully through the real estate process.

? Green Valley Association of Realtors "Top 20" Agent.

? Received the RE/MAX International Executive Club annual production award.

Consultant - President and Managing Principal

2010 to 2013

Business Model Optimization - strategic business development.

? Identified, analyzed and optimized business model to drive organic growth and new product offerings. Developed Key Performance Indicators (KPIs) against industry and best-in- class benchmark to reverse negative trends and drive business transformation.

Operations Executive

2006 to 2010

Royal Neighbors of America - $700M life insurance and annuity products. Recruited to manage a broad range of operational functions, including IT. Served on Board of Directors and was Member of Strategy Committee responsible for setting long-term direction of company. Managed $12M budget / 75 personnel. Reported to the President / CEO.

? Led the business transformation of the Underwriting Department, re-engineered processes, introduced automated underwriting and negotiated a business process outsourcing arrangement with a third-party administrator.

? Reorganized and revitalized IT Department. Formulated a strategic framework to upgrade aged technology, centering on business enablement, infrastructure and architecture. Established new standards, reengineered roles / responsibilities and instituted a disciplines approach to projects.

? Co-led opening of new branch office with accountability for demographic due diligence, building selection and staffing.

Sr. Director - Personal Insurance Transformation Leader

2005 - 2006

Sr. Director - Business Relationship Executive

2004 - 2005

Sr. Director - Process Improvement

2002 - 2003

Director - Home Office Claims

1999 - 2002

Fireman's Fund Insurance Company - $3B provider of insurance and risk management products

Home Office Claims Director responsibilities included business process management, project management, training curriculum and implementation of web-based decision support tools.

? Partnered with venture capitalist to develop LiabilityIQ and Auto Physical DamageIQ web-based decision support tools. Responsible for user-interface design and nationwide

implementation.

? Sequenced and coordinated nationwide deployment schedules for Claims Division key initiatives expected to reduce loss costs by $36mm and drive $3mm productivity gain.

? Established field test (pilot) offices in Atlanta, GA and Sacramento, CA to test new technology tools, new policies and procedures and process re-engineering changes.

Claims Executive

1997 - 1999

Claims Training / Recruiting Coordinator

1996 - 1977

Claims Coordinator

1993 - 1996

Claims Supervisor

1992 - 1993

Claims Specialist

1990 - 1992

Coregis Insurance Company (Formally Crum & Forster Managers Insurance

Company) - $300M provider of insurance and risk management products for the

public entity sector

? Restructured claims division resulting in $2.0mm annual operating savings, 22% reduction in ULAE and 20% productivity increase using Six Sigma Quality methodologies.

? Redesigned usage/control of ALAE expenses resulting in $4.2mm or 19% annual expense savings using Six Sigma Quality methodologies.

? Led strategic outsourcing analysis for FastPath (routine claims) Unit and negotiated business process outsourcing arrangement with third-party claim administrator.

Satellite Claims Manager

1985 - 1990

Multi-Line Adjuster

1981 - 1985

St. Paul Companies

Operating responsibility for satellite branch office. Working manager with a mix of personal and commercial claims including professional liability E&O exposures with an emphasis in medical mal practice. Field claims adjuster in satellite branch office. Handled personal and commercial general liability, 1st party property damage, automobile physical damage and bodily injury claims including various professional liability E&O

exposures.

BOARD APPOINTMENTS

Royal Neighbors of America - 2007 to 2010

Member of Governance Committee

Guest Member of Audit & Investment Committees

The Women's Connection - 2007 to 2010

Vice President

Member of the Executive Committee

EDUCATION

Bachelor of Science, Business Administration (Finance) - 1981

Creighton University

Chartered Property & Casualty Underwriter (CPCU) - 1995

Six Sigma Green Belt - 1998

General Electric, quality and process improvement program

Six Sigma Black Belt - 2002

American Society for Quality, quality and process improvement program

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