Josephine M. Garrett
**** ******** ***** . *******, ** 38119
901-***-**** (H) 901-***-**** (C)
abmb3j@r.postjobfree.com
SUMMARY OF QUALIFICATIONS
Auditing and Accounting professional with a solid background in insurance
and financial services. Depth of experience includes audits for Worker's
Compensation policies, General Liability policies, reducing accounts
payable ledgers, creating and designing reports, and handling business
relationships for the profitability of the company. Utilizes problem-
solving and analytical skills to balance tasks and priorities. Proven
success in reducing audit time and audit management. Able to work
independently and known to be trustworthy, detail-oriented, conscientious,
timely and adaptable to change.
Technical Skills: Microsoft Office Suite (Excel, Word, Access, PowerPoint),
Visual Audit, Calculator 10 Key (by touch), J.D. Edwards 400,
Navision/PeopleSoft Accounting
PROFESSIONAL EXPERIENCE
INDEPENDENT CONTRACTOR, Memphis, TN 2009-Present
Premium Auditor
. Performing physical and mail audits for commercial Worker's Compensation,
General Liability, & Garage policies ranging from $1K to $250K in
premium.
. Audits completed according to each client's special instructions or
handling procedures.
. Traveled areas include Tennessee, Mississippi, and Arkansas.
EMPLOYERS, Memphis, TN 2005-2009
Senior Premium Auditor, Premium Auditor
. Performed physical and mail audits for commercial Worker's Compensation
policies ranging from $1K to $200K in premium.
. Completed audit production requirements in a reduced amount of time which
enabled travel to Florida, Virginia, and Washington, DC to aid company
auditors who were behind in audit production. This resulted in securing
additional premiums which would have otherwise been delayed.
. Produced ~36 audits per month within a 60 day timeframe.
. Traveled extensively in Tennessee, Mississippi, Arkansas and Alabama.
. Acted as a liaison with the policyholders, agents, underwriting and
management to resolve classification issues.
AMERISURE INSURANCE COMPANY, Memphis, TN 2002-2005
Premium Auditor II, Premium Auditor I
. Traveled to accounts to complete audits Worker's Compensation and General
Liability Insurance policies in Tennessee, Mississippi, and Arkansas.
. Produced ~26 audits per month with premium ranging from $50K to $2M.
. Nominated for the Best Premium Audit Achievement.
. Worked independently from home while scheduling timely appointments and
submitting audits.
. Reviewed payroll exposures and assessed proper classifications.
. Balanced payroll for data integrity and reviewed sub-contractors
certificates of insurance limits.
. Assisted underwriting, claims, and management in settling any disputes or
accounting issues.
. Utilized extensive communication and interpersonal skills with numerous
individuals in submitting an accurate audit.
JOSEPHINE M. GARRETT PAGE TWO
abmb3j@r.postjobfree.com
PROFESSIONAL EXPERIENCE (Continued)
THE WORK PLACE, Memphis, TN 2001-2002
Accountant (Interim Position)
. Processed weekly payroll, accounts payable invoices, and recorded
accounts receivable entries.
. Handled bank deposits, reviewed general ledgers, and entered journal
entries.
ATS INC., Memphis, TN 2000-2001
Accountant
. Made the employer tax payments for all clients submitting the IRS 941 tax
forms with a liability up to $1M per quarter.
. Entered workers time cards and tracked all personal days, holidays, and
vacation.
. Generated invoices and assured correct billing rate for various staff and
managers.
. Reconciled month-end reports, processed accounts payables, made
accounting entries and reviewed income statements.
THE PRUDENTIAL INSURANCE COMPANY, Memphis, TN 1992-2000
Senior Accountant / Account Specialist
. Monitored account income statements, trial balances, and cash flow
variances against budget.
. Audited leases for proper documents, signatures, and required lease
execution information.
. Secured actual information for managers and generated cost accounting
reports.
. Created manually statistical reports needed by managers or supervisors.
. Prepared static budgets, proofed financial and narrative reports for
accurate information before mailing to absentee owners.
GENERAL MILLS, Memphis, TN 1979-1992
Administrative Assistant / Accounting Clerk III / Sales Order Clerk II /
Secretary
. Reconciled account deductions maintaining a minimum balance on the
general ledger.
. Received letter of recognition for a near perfect audit of the Memphis
Regional Sales Office as a result of looking for accounting errors on
invoice charge books as well as reviewing aged general ledger items and
file documentation.
. Created procedures manual for the sales team regarding contract
executions and compliance.
. Supervised accounting team to function productively and reduced general
ledger outstanding items.
. Audited all forms of contract payment to direct and retail consumer food
clients.
. Reduced accounts payable ledger from $700K to $200K within a 3 month
period which enabled closing at year end with an acceptable outstanding
balance.
. Designed reports, forms, resolved problems, and recommended new
procedures.
. Typed surveys, letters, copied documents, created graph charts, and
coordinated regional meetings.
EDUCATION
Bachelor of Science in Business Administration
Accounting (Minor)
Crichton College, Memphis, TN
Completed and Passed APA 91 Exam
PAAS Technical Achievement Program - Passed
Audit Software: Visual Audit, Premium Audit Expert, Mini-Pro 2008