Claims Representative

KARENE A. BERNARD

Cell: 876-***-****

**************@*****.***

executive summary

Highly skilled, self-motivated and analytical Claims Professional with more than 16 years of experience in providing claims support and services in the industry. Recognized for superior customer service. Adept to handle and negotiate fair claims settlements effectively and implementing solutions to satisfy customer needs successfully. Demonstrated exceptional leadership skills. Acknowledged for great sense of urgency and responsiveness during a catastrophe. Possess excellent interpersonal communication and organizational skills and wisdom to foster relationship building with clients from different cultures and economic levels. Effective in communicating deadlines and aggressive in following-up with internal and external associates to ensure speedy turn-around time in claims settlement.

AREA OF EXPERTISE

Experienced in claims handling and investigations Risk assessment and mitigation of loss Accident & Health assessment Travel claims assessment Damage assessment Evaluation of Liability Exposure Ability to perform under stressful conditions Administration Good organizational Skills

Customer Care Service.

PROFESSIONAL EXPERIENCE

INTERNAL CLAIMS ADJUSTER

AIG JAMAICA INSURANCE COMPANY LIMITED 1999 - 2015

Accurately investigated and evaluated claims to determine fair claims settlements and prompt payments. Provided excellent organizational support to Claims Supervisor. Exercised sensible judgment in handling complex and severe exposure claims. Liaised with overseas colleagues to facilitate foreign national claims settlements with ease. Interviewed claimants, employers, doctors or medical specialist to gather pertinent information and ensure accurate claims settlements. Negotiated claims settlements to resolve disputes and avoid possible law suits. Proactively satisfied customer needs and utilized resources to resolve issues.

Trained 3 new employees in how to process claims and policy interpretation to ensure compliance

with company policy and standards.

Settled over 30 claims daily by organizing claims, ensuring timely assessments and aggressive

follow-up with external parties; surpassed department’s 98% monthly target for settling claims.

Commended for compensating customers under the Claims Fast Track System of the Personal

Accident Insurance - claims not exceeding J$15,000.00; achieved maximum customer satisfaction.

Identified and reported 5 suspicious claims in 2015 by paying keen attention to red-flags; resulted

in the recovery of insurance over-payments.

Pursued ex-gratia claims appeals on behalf of clients; maintained exceptional customer service.

Successfully reduced claims expenses by 2-5% in 2014 and 2015; assigned Property and Casualty

claims valuing J$50,000.00 - J$150,000.00 to internal field adjuster.

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JUNIOR SECRETARY

ISLAND LIFE INSURANCE COMPANY 1996 – 1997

Typed letters for the Director of Human Resources. Performed administrative duties assisting Administrative Assistant. Scheduled and coordinated training for employees.

Effectively managed the Human Resources Department filing system.

Commended for providing superior Human Resources services.

ACCOUNTING CLERK/CLERICAL OFFICER

THE WOMEN’S CENTRE OF JAMAICA FOUNDATION 1994 - 1995

Managed company’s bookkeeping. Responded to customers queries promptly.

Accurately processed cheque payments.

Commended by the Financial Controller for excellent team work.

DATA ENTRY CLERK 1991-1993

JAMERICAN ASSOCIATION LIMITED

Hired to input data in company’s database.

Education

BACHELOR OF ARTS

Language, Communication and Society with a minor in Management Studies

University of the West Indies, 2015

CERTIFICATE in Understanding Liability Exposures in a Business Environment Seminar

College of Insurance & Professional Studies, 2012

CERTIFICATE in Anti-Money Laundering Combatting Financing of Terrorism Seminar

College of Insurance & Professional Studies, 2012

IAAP: Certified Administrative Professional (CAP)

Elathos School of Business, 2010

DIPLOMA: Certified Insurance Technician

The College of Insurance & Professional Studies, 2008

CERTIFICATE OF PARTICIPATION: Claims Administrations and Underwriters

Insurance Association of Jamaica, 2007

DIPLOMA in Computer Studies and Management

University College of the Caribbean, 2005

CERTIFICATE in Introduction to Personal Management

Institute of Management & Production, 1997

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