Insurance Manager

Rosemary A. Howell, CPCU, ARe, AIS, API

**** *********** *****, ********, ** 43235-4008

Voice: Desk: 614-***-**** / Cell: 614-***-**** / Home: 614-***-****

Email: ********@**********.*** or *******@*********.***

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Career Summary

Enthusiastic, creative, organized problem solver. Persistent, logical

and detailed. Extensive property/casualty insurance knowledge. Skilled

at distillation of issues to root cause. Quick study. Talented at

converting large amounts of data into concise, actionable information

that is tailored to the audience. Resourceful and innovative. Excel

expert in both the management of workbook systems exceeding one million

cells and the graphical display of information. Effective engagement and

consensus builder.

Professional Experience

Financial Analysis and Activity Oversight

. To ensure that the right projects are accomplished in the right places

in support of retention and to drive growth, created a single, real

time accessible system to provide oversight of $8.6M spend over 46

states, 13 regions, 12 companies, 6 major products, 4 distribution

channels, and 2 processing platforms. System is the planning and

measurement source for Product, Pricing, Compliance, Regions, and

Systems for Personal Lines.

. Successfully implemented, standardized, and automated an end-to-end

information gathering process for overseeing and reporting on over 500

projects at any one time.

. Developed standardized template on which to build budgets and plan

activity. Received feedback that the users finally understood the

budget and what activities they could support and accomplish.

. Developed a state by state view of all active Property systems

projects. Report is a "single version of the truth" that has brought

alignment among Systems, Product, Pricing, and State teams.

. Designed and managed priority schedules to keep track of the projects

across the four policy processing systems. Schedule document is data

dense, continuously available to executive team, and clearly records

and communicates to all stakeholders what the priorities are and why.

. Developed process to communicate the initiation of new projects to

every audience within the enterprise with a stake in the outcome.

. Fostered alignment over multiple departments to enhance cooperation

resulting in on-time, on-budget implementation of rate projects

affecting DWP uplift, and regulatory projects ensuring compliance with

laws and regulations.

. Increased engagement of Pricing, Compliance, Requirements, Product,

Regions, and Systems to create an atmosphere of cooperation and timely

decision-making to avoid crises before they have a chance to develop.

This increased engagement reduced the number, length, number of

participants in meetings, thus reducing cost by 75%.

SAP / GAAP

. Created complete billing system using Excel. System computed and kept

track of all premiums due, payments made, due dates, and aging in

support of SAP reporting requirements.

. Created system to accumulate and report development of all losses,

their paid and reserve components for both loss and LAE by line and by

year for all products including both calendar and accident year loss

rations for reporting on Schedule P on an annual basis and Part III on

monthly and quarterly basis.

. In search of capital for an insurance company, developed multiple full

business plans on SAP basis (for insurance company) and GAAP basis

(for holding company) for presentation to investment banking community

in New York and Boston.

. Completed, signed, and filed the NAIC yellow statement on a monthly,

quarterly, and annual basis for 9 years.

. Authored MD&A for NAIC filings

. Framed and presented financial statements and issues, reinsurance

contracts and alternatives, GAAP vs. SAP vs. Cash decisions to Board

of Directors.

Project Management

. Maryland Binder Project: Lead team that restored the underwriting

window for Property lines after years without this protection.

Project delivered on time and under budget.

. MSB: Lead team that upgraded this vendor provided tool to calculate

reconstruction costs for Property. Implemented the introduction of

three new costs that positively affected our Insurance-To-Value

status, increased DWP, and brought premiums more in line with the risk

assumed.

. Analyzed and developed all information and presentations necessary to

negotiate reinsurance treaties including capital structure and limits

profiles. Re-negotiated treaties that increased coverage while

reducing cost by 49%. Developed and managed the processes required to

transfer from a quota share with one reinsurer to an excess of loss

with another.

. Managed the liquidation of Proliance Insurance in concert with the

Office of Liquidation and the Ohio Department of Insurance. Organized

and led the team in the seamless transfer of all policies to a new

carrier. No policyholder lost any money and all claims were fully

paid.

Employment History

. Nationwide Insurance, Underwriting Manager Consultant, Dec, 2001 to

Current

. Proliance Capital Corporation, Corporate Secretary, 1993-2001

. Proliance Insurance Company, Operations Officer, 1993-2001

(supervision of 22)

. Proliance Insurance Company, Agency Relations Coordinator, 1991-1993

(supervision of 3)

. Danduran & Howell Insurance Agency, Inc., Treasurer, 1975-1991

(supervision of 6)

Education / Designations

Otterbein College, Westerville, Ohio, B.A. Public Accounting, Summa cum

Laude

CPCU: Chartered Property Casualty Underwriter

ARe: Associate in Reinsurance

AIS: Associate in the Delivery of Insurance Services

API: Associate in Personal Insurance

CPA: BEC, REG, AUD passed. Awaiting results of FIN

Awards / Volunteer Experience

. Ohio Insurance Institute - Speaker of the Year Award 5 times.

. Better Business Bureau - Arbitrator

. Professional Insurance Agents Association of Ohio - Director

. Small Business Administration - Service Corps of Executives

. Ohio Dept of Transportation Minority Bonding program

. Ohio House of Representatives - Outstanding Minority Business

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