Risk Management
Resume:
Cell 818-***-****
Sylmar, CA. 91342
**************@*****.***
Ramiro Pelayo
Summary of Qualifications
** ***** ** ****** *********** insurance and financial services industry experience
Strong Organizational, analytical, and communication skills
Exceptional team leadership skills, with the ability to meet strict deadlines
Self motivator, team player, with exceptional work ethics
Experience
Pelayo Insurance Services March 2015 – Present
Broker
Manage a geographically dispersed client base in Southern California
Risk identification, assessment, reporting, mitigation and loss control.
Through multiple carriers, determine client’s needs and matched them with appropriate insurance products: Life, Auto, Fire, and Commercial.
Underwrote health insurance policies: HMOs, EPOs, & PPOs, during ‘2016 Open-Enrollment’
Anthem Blue-Cross Insurance Sept 2014 – March 2015
External Benefits Consultant
Presented and underwrote health insurance policies: HMOs, EPOs, & PPOs, during ‘open-enrollment’ that cover financial losses should clients fall ill.
Educated the applicants regarding The Affordable Care Act (Obamacare) Laws.
Enrolled consumers in Covered California / Anthem health coverage plans by screening for eligibility, gathering required documentation, expedited approvals, and assisted with post enrollment customer service as needed.
Assisted consumers with referring them to appropriate Medi-Cal enrollment locations.
Allstate Insurance CompanySept 2010- August 2014
Exclusive Agent / Agency Owner
US Patriot Act (Anti-money Laundering Legislation) / Sabarnes-Oxley Act compliant
Proven track record in negotiating, diplomacy and communications
Ability to apply Risk Management techniques of risk identification, assessment, measurement and the monitoring of exposures that may threaten the enterprise
Determined client’s needs and matched them with appropriate insurance products: Life, Auto, Fire, Commercial, and Health insurance.
In-depth understanding of insurance principles, concepts, and coverages
Managed a geographically dispersed client base in Southern California
Accountable for strategic operations consisting of new business development and book of business servicing
M-Padilla Construction Company June 2004-Sept 2010
Risk Consultant
Demonstrated fiscal responsibility, including budget management
Develop and maintained positive relations with unions, suppliers, and Cal OSHA in order to efficiently maintain company operations.
Administered company’s Group Benefits: Health, Life, and 401(k) plan
Oversaw the management of all claims: Workers’ Compensation, Employer’s Liability, Fleet, General Liability, Excess/Umbrella
Established a strong working relationship with various Insurance Carriers’ Claim Management and Adjuster teams including their TPA, outside defense counsel and various expert consultants
Communicated effectively in the investigation, adjustment and settlement of claims with counsel and direct third-party claimants
Washington Mutual Bank May 2001- June 2004
Financial Consultant
70 million dollars of deposits / assets under management
Bank Secrecy Act / US Patriot Act (Anti-money Laundering Legislation) / Sabarnes-Oxley Act compliant
Offered clients investment advice and full broker/dealer services: Stocks, Bonds, Treasuries, Mutual Funds, Money Markets, Certificates of Deposits, Annuities, and many other retail products.
Suggested personalized banking tools to fit the needs of our customers and small businesses.
Adept in creating, developing and executing short and long term financial strategies in a profit driven, customer focused environment.
Performed hedging, financial modeling, financial analysis, and risk tolerance assessment to advise both high net-worth and low income clients on best option investment strategies.
Met annually with business owners to advise them of new regulations, portfolio diversification and assess risk.
Farmers Insurance Group Sept 97-May 2001
Agent / Agency Owner
Determined client’s needs and matched them with appropriate insurance products: Life, Auto, Fire, and Commercial insurance.
Cross-sold suitable retirement products: IRA, fixed and variable annuities
Worked with Brokers and various Markets in the annual renewal and placement of the client’s Master Insurance program
Effectively communicated verbally and in writing with clients, financial advisors, attorneys, and CPA.
Education:
Kaplan Financial Education, TheInstitutes.org, International Risk Management Institute IRMI, and 360training.com
University Of Guadalajara, Jalisco Mexico
Sylmar High School Sylmar, CA.
Licenses/Certifications:
OSHA-30 General Industry Safety Training (DOL card), Property & Casualty Insurance License, Life - Accident & Health Insurance License, Long Term Care Certified, Covered California Delegate, Healthcare.gov Certified, Series 7 (inactive), and Series 63
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