Senior Underwriting Consultant Risk, Compliance & Growth

PERSONAL PROFILE

Analytical and performance-driven Underwriting Consultant with over 5 years of proven success in underwriting, risk analysis, and client relationship management across life, disability, and long-term care insurance portfolios. Adept at managing high-value cases up to $5M, improving underwriting accuracy by 30%, and enhancing client satisfaction by 25% through process optimization and compliance enforcement. Skilled in evaluating complex financial and medical data, mitigating risk, and implementing strategic initiatives that increase operational efficiency. Recognized for delivering consistent results within service level agreements and aligning underwriting practices with organizational objectives to drive sustained business growth.

Strategic Decision Making & Premium Calculation

Process Optimization & Project & Case Management

Fraud Detection & Prevention

Cross-Functional Collaboration

Quality Assurance & Data Integrity Management

CORE COMPETENCIES

Underwriting & Risk Assessment

Financial & Medical Records Analysis

Regulatory Compliance & Policy Evaluation

Client Relationship & Portfolio Management

Insurance Product Knowledge (Term, Whole, Universal, Variable Life, Disability, LTC)

PROFESSIONAL EXPERIENCE

Underwriting Consultant

John Hancock – Boston, MA July 2020 – March 2025 Led underwriting operations for high-net-worth clients, managing a portfolio valued at over $5M per case, improving underwriting cycle efficiency by 20%.

Conducted in-depth analysis of financial and medical records, enhancing decision accuracy by 30% and reducing error rates in risk assessment.

Collaborated cross-functionally with compliance, actuarial, and legal teams to ensure full adherence to federal and state insurance regulations.

Strengthened producer and client relationships, resulting in a 25% boost in client retention and satisfaction scores. Implemented document management protocols that increased data accuracy and compliance documentation timeliness by 40%. Proactively identified and mitigated potential underwriting risks, contributing to a 15% reduction in claim disputes. Spearheaded client acquisition and retention initiatives, driving a 20% increase in insurance product sales across Term, Universal, and Variable Life lines.

Supported producers in aligning client portfolios with regulatory and risk management standards, strengthening compliance by 18%. Developed client servicing frameworks that optimized communication workflows, improving turnaround times by 22%. Fostered strong relationships with brokers and clients, enhancing brand trust and long-term partnership growth. Provided consultative insights that informed business strategy and expanded market presence in target demographics. Oversaw client portfolio evaluations, ensuring product alignment with evolving financial needs. Client Relationship Manager

Gentry Partners – Greenwich, CT September 2019 – July 2020 Assisted three senior financial advisors with client planning and portfolio reviews, supporting over 200 clients and improving engagement scores by 15%.

Managed trade and transaction processing with 100% compliance accuracy, ensuring seamless operational execution. Prepared client analytics reports, leading to data-driven decision-making in wealth management and investment planning. Streamlined client onboarding procedures, cutting processing time by 25% while maintaining high-quality service delivery. Enhanced internal workflow efficiency through proactive coordination and tracking of client communications. Contributed to client satisfaction improvement initiatives, resulting in a consistent 95% client retention rate. Client Service Associate

Ameriprise Financial Services – Boston, MA October 2017 – September 2019 Managed partnerships with over 10 firms, expanding Long-Term Care product distribution and increasing sales volume by 35%. Led project management initiatives to streamline operations, improving productivity by 28% through automation tools. Conducted root cause analysis to address process inefficiencies, achieving a 20% reduction in resolution turnaround time. Supervised daily communications, ensuring timely issue resolution and compliance across multiple departments. Directed client engagement strategies that enhanced service satisfaction scores by 30% and reduced churn rates. Collaborated with cross-functional teams to ensure seamless case progression from submission to policy issuance. Senior Client Relationship Manager

John Hancock, Long-Term Care – Boston, MA May 2007 – April 2017 WATENA ROGERS

Abington, MA 508-***-**** *******@*****.***

Underwriting Specialist & Risk Analysis Strategist Processed and managed Long-Term Care insurance applications with 100% data accuracy. Supported interdepartmental communication and reporting functions to maintain workflow efficiency and compliance alignment. Registry & Issue Analyst

John Hancock – Boston, MA 1 Year

PROFESSIONAL SKILLS

Advanced Underwriting & Risk Analysis

Medical & Financial Data Interpretation

Client Portfolio Management

Process Optimization & Efficiency Improvement

Strategic Planning & Execution

*Data Accuracy & Reporting

Relationship Development & Retention

Microsoft Office Suite, Google Workspace, SharePoint EDUCATION & CERTIFICATIONS

Bachelor of Arts (B.A.) in Communications & Sociology University of Massachusetts, Amherst, MA

Massachusetts Producers Life Insurance License

Massachusetts Division of Insurance

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