Insurance Customer Service

Liz Garzon Brown

*** ****** ***** **** # ** Belleair Bluffs, FL 33770

Mobile: (919) 961- 1707

abhtzk@r.postjobfree.com

EXECUTIVE SUMMARY

I am a Bilingual professional with a bachelor's degree in accounting. I am

in the process of obtaining the CIA certification. I posses a strong

record of achievement in diverse financial areas, including auditing,

insurance underwriting, and customer service. I am highly motivated,

intuitive, effective at human relations, and able to manage both time and

resources to maximize productivity.

SUMMARY OF QUALIFICATIONS

. Bilingual (Spanish, English)

. Ten years of Financial Auditing and Accounting experience. Five years

at KPMG.

. Financial, operational and compliance audit experience. Sarbanes-Oxley

experience.

. Insurance, manufacturing, services, education, non-profit, and

Financial Industry experience.

. Member of the Institute of Internal Auditors. In the process of

obtaining CIA Certification

. Business Analysis and Evaluation. Portfolio and Management analysis

experience

. Knowledge of GAAP, generally accepted auditing standards and testing

methods, financial accounting concepts, and financial statements.

. Government exposure, compliance, statutory accounting principals, laws

and regulations.

. Proficient in the use of various computer programs and other

technology utilized in the conduct of audits. Ex. Team Mate, ACL,

Microsoft Office.

PROFESSIONAL ACHIEVEMENTS

United Insurance Holding Corp, St. Petersburg, FL (March 2011 -

Present)

Internal Auditor

Public Insurance Company. The company offers homeowners and dwelling fire

products in FL, SC and MA.

An assignment includes but not limit to:

. Reporting directly to the CFO and CEO. Sarbanes-Oxley documentation

and Model Audit Rule.

. Using Risk based focus examination approach to ensure that the company

has adequate controls in place to minimize the probability of errors

on their Financial Statements and help the Company to make the most of

their available resorts.

. Responsible for the Audit of the financial records relative to the

Company's operations.

. Responsible for ensure that the Company is in compliance with the

Florida Statues and regulations and with the NAIC rules.

. Conducts tests of controls and other auditing procedures related to

accounting and financial data of various departments within the

organization and serves as principal liaison to independent

accountants and audit committee.

. Assists in the design and administration of audit policy and procedure

within the organization.

NC Dept of Insurance (June 2008- March 2011)

Financial Company Examiner (Auditor) - Financial Evaluation Division

The Department of Insurance provides services to the people of North

Carolina by regulating the Insurance industry and licensing insurance

professionals.

An assignment includes but not limit to:

. Conducts varying types of examinations (Audits) ranging from full

scope examinations targeted toward very specific issues.

. Ascertain that the regulated entity fairly presents in all material

respects its financial position and results of operations in

conformity with Statutory Accounting Principles so that a

determination can be made as to whether the entity maintains an

adequate financial position and it is in compliance with the

Department of insurance policies and procedures and State laws and

regulations.

. Responsible for the examination of the financial records relative to

the business operations of insurance companies and other regulated

entities which are licensed or otherwise authorized to do business in

the State of North Carolina.

. Using Risk based focus examination approach, determinate if the

companies have adequate controls in place to minimized the probability

of errors on their Financial Statements and/or help them to make the

most of their available resorts.

. I have participated in projects at Genworth Financial, The North

Carolina Farm Bureau Mutual Insurance, CEC Self Insurance group, NC

Car dealership association, Forestry Mutual, Stonewood Insurance

Company.

Nationwide Insurance, Raleigh NC (May 2005 to June

2008)

Underwriter Personal Lines - Portfolio Management

Nationwide is one of the largest insurance and financial services companies

in the world.

Assignments include but not limit to:

. Accepts, modifies or rejects risks based on a review of business in

terms of loss experience, investigative reports, claims activity, file

information and nature of risk.

. Partners with sales managers to achieve profit and growth plans.

. Recommends and implements approved creative and profitable solutions

for all business submitted from assigned territory/underwriting

district.

. Identifies and evaluates agency performance opportunities and agency

file review (e.g. fiduciary guidelines, underwriting data quality,

Fair Credit Reporting Act. Formulate and recommends solutions.

. Prepares and submits agency audit findings for review.

. Serves a primary contact for agents with policy pricing questions,

eligibility, reinstatements, overages, exceptions and classification

issues.

. Help to implement loss ratio improvement business plan for agents in

my districts (Raleigh and Durham, North Carolina) based on market

analysis and trends.

. Contacts agents, managers, policyholders and others to obtain

additional rating or risk information.

. Makes account-based decisions based on policyholder's tenure, number

of accounts, claims history and long-term performance indicators.

Adheres to field rating plans.

. Recommends coverage alternatives, changes in deductibles and liability

limits to reach an agreed risk level with an agent or customer.

Accountable for the proper classification of risks to ensure the

matching of price and product to the customer.

. Verifies coverage eligibility. Interprets and uses approved

classification systems, rating plans and selection standards to

determine eligibility, desirability and proper classification/pricing

benchmarks for assigned product lines.

. Accountable for portfolio management of individual agents and district

level reports in assigned territory/underwriting district.

Thomas and Gibbs CPAs, Durham. NC. (June 2004 to June

2005)

Senior Auditor

T&G is a full service certified public accounting firm in Durham NC

providing accounting, auditing, consulting, tax, and financial planning

services in NC.

. Elaboration of Audit Planning.

. Sarbanes Oxley Act- Documentation of process and identification of

controls.

. Documenting and testing of internal control for each Company

. Evaluate design effectiveness of controls

. Test financial statements by area, following programs and summaries

. Preparation of Financial Statements (including detail expenses

reports)

. Supported the elaboration of the Management letter comments.

La Oficina in Raleigh. NC. (February 2003 to April,

2003)

Tax prepared (Tax season)

Business translation and tax return preparation center in Raleigh NC

. Preformed a variety of accounting services to small business.

. Prepared tax returns for small business and individuals.

. Provided Customer Services to approximately 75 Spanish clients a day,

performing translations of personal documents, letters and immigration

forms.

Welcome Hotels Incorporated- Hilton Head. SC, (May 2002 to Dec-

2002)

Accountant

Hilton Hotel in South Carolina

. Accounting closing and reporting.

. Prepared monthly profit and loss statements. Bank reconciliations.

. Account payables, account receivables, monthly profit and loss

statements.

Frigor fico Suizo S.A.- Bogot , Colombia. (Jan 2000 to Dec

2000)

Coordinator of Internal Control - Internal Auditor for Price Waterhouse &

Coopers

Manufacturing company of almost all types of meats, including: lamb, beef

and chicken. One of the biggest in the industry with around 1,500 employees

in three cities: Bogot , Medellin and Cali Colombia.

. Strategic Planning.

. Risks and Controls analysis.

. Personally responsible for completing all tax documents.

. Redesigned internal financial statements and identified opportunities of

improvement.

. Provided status reports and financial data to general management and the

board of directors.

KPMG Peat Marwick- Bogot , Colombia. (Dec 1995 to Jan 2000)

Senior Auditor

KPMG is a global network of professional firms providing Audit, Tax, and

Advisory services. They operate in 148 countries around the word.

. Audit Planning and programs.

. Documented and researched client company processes and evaluated

internal controls.

. Evaluated audit risk and approved controls.

. Performing SOX testing and evaluating internal controls throughout each

company.

. Test internal control procedures. Help to implement opportunities of

improvement, and monitoring process.

. Prepared audit programs, supervised staff (four people) and led

engagements.

. Identified improvement opportunities to clients, present those to the

management team.

. Evaluate results of test, prepare reports.

. Clients: Javeriana University, Andes University, Nuevo Granada High

School, Politecnico Gran Colombiano University, Pepsi Cola, Xerox,

Alcon Laboratories, Frito Lay, Yill International, AT&T International,

and others.

EDUCATION:

I earned a Bachelor's Degree in accounting from the University Saint Tomas

of Aquino in Bogot Colombia. My degree it's been accredited by the CPA's

Board of Directors as a Bachelorette Degree from an accredited college in a

USA University.

I completed a Specialization in Taxes and Legal Services degree at

the University Tomas de Aquino in Bogot .

I completed an English course in Brisbane Australia at the Embassy College

from January to September 2001 as part of an International Student Exchange

program.

I am in the process of obtaining the CIA Certification.

Relevant Courses: Financial Statement Analysis, Business Analysis and

Evaluation, Financial Research, Auditing Assurance Services, Auditing for

Business, Special Topics in Audit, Financial Management, Financial and Tax

Law, NPO- Financial Statements, Auditor's reports, and Taxes

considerations, etc.

Contact this candidate