Benjamin Cruz Email and Phone Number

• Review individual risks for acceptability and handle those within authority based on company underwriting guidelines and standards. • Enhance the proper use of global pricing tools to ensure the premium accuracy.• Develop and grow the Marine portfolio within the states of Northern California, Colorado, Oregon and Washington.• Lead the process platform agreements with brokers across the US for ocean cargo, attending all the submission, quotes, booking, billing and supporting claims. • Proactively consult with agents and internal partners to resolve business issues and projects of moderate complexity requiring more discernment or robust solutions. Understand organizational capabilities and opportunities to drive maximum value of relationships. • Exceed performance goals including renewal ratio and new business while ensuring the highest level of internal and external customer satisfaction. • Educate internal and external partners on underwriting process, practice and tools. • Manage customer portfolios and serviced relationships by identifying their needs and cross-selling products with the other business lines and support the Multinational booking process when it is needed.

• Developed and implemented strategies to maximize growth and retention with profitability for the commercial Marine portfolio meeting the local insurance needs to provide customized solutions according to the geographical and economic environment. Supported and shared best practices with the rest of operations in Latin America.• Determined premiums based on actuarial, statistical and background information, exposure analysis, hazard recognition and controls based on underwriting guidelines and Company best practices to ensure compliance with state regulations. Within delegated authority levels and continuous process improvement work principles, accepted, rejected or modified new and renewal business to ensure a profitable book of business. • Planned completion of assignments to meet agreed upon timelines and service level agreements, as well as projects of increased complexity which included utilizing available reports and data.• Built partnerships with Territory Managers identifying issues or patterns to achieve the internal goals and resolve or improve branch agency processes and identify sales and marketing opportunities.• Developed training program for agency staff on company products, services and underwriting philosophy.• Developed new products (inland marine and hull) in Mexico. Met the insurance authority’s requirements to launch the products in the local market.

• Developed markets for the western and northern Zones of Mexico for the Ocean Cargo portfolio. • Enhanced relationships with clients and brokers in the eight AIG offices assigned (Monterrey, Torreon, Chihuahua, Cd. Juarez, Hermosillo, Tijuana, Guadalajara, Leon).• Developed and managed multinational programs for clients with international operations.

• Developed insurance business solutions for local industries/clusters.• Reviewed applications and financial requirements to determine acceptability of risk in accordance with AIG’s guidelines and standards and priced with appropriate underwriting tools disciplines and knowledge of strategies to ensure underwriting guidelines are followed.• Managed assigned portfolio to achieve gross written premium, profitability, rate, retention, product mix, new business and portfolio management goals.• Developed and implemented distributor specific plans, monitors performance, and adjusts plan to ensure a substantial pipeline for future profitable growth.• Supported the sales and marketing efforts for assigned territory / producers.

• Participated in a one-year career development program, focused on Marine Cargo and Liability underwriting training 6 weeks training program at AIG NY Corporate HQ including: Marine Cargo, coverages and pricing, Multinational programs development Property underwriting essentials, Marine Loss Control Engineering.• Performed the following training: Reinsurance, technical methodologies tools, financial focus applicable in the insurance business, commercial skill development program, time management skills. IMESFAC (Local insurance institute) certification