Kate M Gardner

**** ***** **** ( JACKSONVILLE, FL 32208 ( 386-***-**** (

abigh8@r.postjobfree.com

Extensive background in insurance including experience in underwriting,

claims analysis, customer service, conflict resolution, and industry

compliance.

Excellent organizational and analytical skills, proficiency with numbers,

and the ability to perform detail work with complete accuracy.

Education & Certification

UNIVERSITY OF NORTH FLORIDA - JACKSONVILLE, FL

Bachelor of Science (BS) in Health Administration, Minor Managed Care

Licenses

GA, Life & Health license

FL, Property & Casualty agent license

FL, Life, Health & Annuity license

Certifications

Associate in Commercial Underwriting -designation completed September 15,

2010.

Skills

PROJECT MANAGEMENT Trend Analysis Proficient in Microsoft

Mitigation of Risk Premium Financing & Payments products

Dispute Resolution Loss Control Inspection Acquisitions & Merges

Coordination (INS)

Lease Review Claims Negotiation & Settlement Policy Review

Process Improvement

Professional Experience

FIDELITY NATIONAL FINANCIAL, INC - JACKSONVILLE, FL

Title Insurance

Risk Management Specialist/Risk Analyst, 2007 to Present

Work with senior management to coordinate corporate Property and Casualty

insurance programs. Manage individual subsidiary exposure relating to

specialty entities with premiums excess of $50,000. Responsibilities

include domestic and international programs. Underwriting related

experience reviewing, evaluating and gathering exposure data for brokers.

Provide reporting and benchmarking data to senior management, review data

to identify claim trends. Collect, analyze and interpret Workers

Compensation claims and utilization data from vendors/carriers. Review data

to determine top causes and type of losses looking at frequency and

severity.

Technical competence, the ability to read and understand Commercial

policies including but not limited to Auto, Property, General Liability,

Aviation and Workers Compensation. Extensive interaction with brokers,

customers and key personnel across the company; work with business

continuity, accounting, legal, facilities and real-estate departments.

Assist field staff with coverage questions from clients, customers and

landlords. Coordinate certificates of insurance. Review property leases

for compliance with required coverage.

Coordinate and attend loss control/engineering inspections of leased and

owned properties. Manage projects such as working with consultants to

determine the per location business interruption values for the property

insurance. Prepare payroll reports for monopolistic state insurance funds

and complete quarterly fillings, premium payment in addition to monitoring

WC claims. Involved in insurance diligence for mergers and acquisitions.

Complete and submit insurance applications for new and renewal coverage.

Coordinate placement of new bonds with bond brokers.

Key Results:

Detail underwriting on Global Foreign Program reduced premiums cost by an

excess of 40% from previous year.

Review of aviation program resulted in a 34% savings on the non-owned

aviation policy.

Coordinate the development of an access database to track and update

company properties.

In coordination with I.T develop and implement online forms to gather

exposure data from the field.

Professional Experience (continued)

WINN-DIXIE STORES, INC - JACKSONVILLE, FL

Grocery Chain

Claims Administrator, 2006 to 2007

To effectively support the claims department by assisting with resolution

programs for all property and casualty lines of insurance. Analyze

claims to determine nature of loss, coverage provided and scope of claim.

Coordinates the administration and handling of all claims investigations,

file handling or review, negotiations, settlement and other associated

closure issues, through internal management and third-party

administrators (TPA).

Analyze GL and WC claims for trends in loss exposure. Prepare weekly clams

reports for retail, distribution, manufacturing and pharmacy departments.

Work with access database to run claim data with an eye for stores with

high frequency. Review loss data and develop reports for claim managers on

nature of injury, length of employment to injury date and injury by job

class. Reports assist in determining cause of loss and provide basis for

safety training. Process store credit for inventory loss relating to power

outrage, storms and equipment malfunctions. Work on special projects as

needed by Director of Claims.

Support information requirements for General Liability and Workers

Compensation claims. Work with adjusters to identify areas to increase

productivity and close files.

Key Results:

Instrumental in the development of a claims and safety program to help

train mangers on procedures and processes to follow when a customer injury

occurs.

Prepare claims handling procedures for new-hire orientation program to

include in HR information.

Other Experiences

SEVERAL YEARS EXPERIENCE HANDLING PERSONAL INJURY PROTECTION, PROPERTY

DAMAGE, AUTO PHYSICAL DAMAGE AND BODILY INJURY CLAIMS. ASSISTED IN

TRAINING NEW CLAIMS EXAMINERS ON PROCESS AND PROCEDURES; FACILITATED

RECOVERY BY PROVING THIRD PARTY LIABILITY IN ARBITRATION CLAIMS. FIELD

UNDERWRITES LIFE AND ACCIDENT INSURANCE POLICES TO INDIVIDUALS AND SMALL

BUSINESSES.

Hiday & Rickie P.A. Subrogation Specialist - Jacksonville, FL 2005-2006

AIU Claims Representative - Lake Mary, FL 2002-2005

Allstate Insurance Claims Examiner - Manassas, VA 2000-2001

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