• Manage and provide various monthly, quarterly and yearly consolidated financial reports to parent company (Zurich Insurance Group) and Farmers’ Executive team. • Produce the quarterly Storyboard for Investor Relations and senior executives of Farmers and Zurich Insurance Group detailing quarterly and year-to-date financial results and analysis related to Farmers Insurance Group.• Produce the monthly financial results package which summarize the all aspect of company’s business for Farmers’ executives. • Forecast Farmers P&L statement and perform sensitivity analysis to Farmers financial results to help determine the effect of risk to the profitability of the company.• Develop financial models and dashboards utilizing SQL, VBA and advance functions to streamlined standard financial analysis reports resulting in time saving, consistent interpretation of data and report security.• Consolidate and oversee yearly budget preparation process for statistical accounts.• Collaborate with other departments and business units to advance the Finance Department’s strategic goals including improvements in recruiting and training. • Produce various ad hoc request from the CFO and other executives.

• Manage and provide various monthly, quarterly and yearly consolidated financial reports to parent company (Zurich Insurance Group) and Farmers’ Executive team. • Produce the quarterly Storyboard for Investor Relations and senior executives of Farmers and Zurich Insurance Group detailing quarterly and year-to-date financial results and analysis related to Farmers Insurance Group.• Produce the monthly financial results package which summarize the all aspect of company’s business for Farmers’ executives. • Forecast Farmers P&L statement and perform sensitivity analysis to Farmers financial results to help determine the effect of risk to the profitability of the company.• Develop financial models and dashboards utilizing SQL, VBA and advance functions to streamlined standard financial analysis reports resulting in time saving, consistent interpretation of data and report security.• Consolidate and oversee yearly budget preparation process for statistical accounts.• Collaborate with other departments and business units to advance the Finance Department’s strategic goals including improvements in recruiting and training. • Produce various ad hoc request from the CFO and other executives.

• Analyzed and implemented product positioning and pricing strategies which helped delivered record profits for the company. This included thorough analysis of every SKU and aligning each product against the competitors and with company’s product portfolio.• Created, managed and automated a market research database by programming a web scraping software (iMacros), utilizing VBA for MS Excel and creating a database using MS Access. The database served as the main source of data for market research and pricing decisions.• Developed and delivered monthly presentations regarding the health of the US economy, global economy and Canadian economy by analyzing economic indicators and current events. This helped the company to identify potential business opportunities and pitfalls in the decision making process.

• Analyzed and implemented product positioning and pricing strategies which helped delivered record profits for the company. This included thorough analysis of every SKU and aligning each product against the competitors and with company’s product portfolio.• Created, managed and automated a market research database by programming a web scraping software (iMacros), utilizing VBA for MS Excel and creating a database using MS Access. The database served as the main source of data for market research and pricing decisions.• Developed and delivered monthly presentations regarding the health of the US economy, global economy and Canadian economy by analyzing economic indicators and current events. This helped the company to identify potential business opportunities and pitfalls in the decision making process.

• Created, managed, and implemented customized incentive compensation plans that aligned the company’s strategy, employees’ motivation and employment laws. Partnered with managers of various business units, company lawyers, and IT personnel to ensure the incentive compensation plans were accurate, compliant, feasible, and effective for generating higher employee productivity.• Managed the company-wide annual performance review process where annual merit pay increases and bonuses were determined. Partnered with senior management, IT, and company’s helpdesk to ensure a smooth and efficient review process that not only aligned with the company’s policy, but helped enhanced the company’s cost cutting measures.• Created and automated incentive compensation calculation models in MS Excel by utilizing VBA, Structured Query Language (SQL), and advance formulas. The enhancement improved accuracy and efficiency for a team of 3 (previously was a team of 11) and effectively supported the incentive compensation process for the entire company of over 2200 employees.

• Liaison with regional operations managers regarding employee productivity and department cost performance. Worked with the managers to fine-tune measurements and develop strategies which improved performance and increased productivity by 5% across all regions. • Generated monthly key performance indicator (KPI) scorecards for senior management to gauge operational efficiency. Reports identified areas of operational inefficiencies and measured business initiatives.• Created and maintained MS Access databases for Mortgage Operations and Human Resources that allowed consistent and timely generation of reports with improved efficiency.• Created and automated financial models by utilizing VBA, Structured Query Language (SQL) and advance formulas that led to increased efficiencies of generating reports by 10 times.

• Analyzed and reported on the performance of Nissan Motor Acceptance Corporation’s loan servicing operation including call center speed, customer service satisfaction and salvage of bad debt. • Produced discounted cash flow (NPV) calculations for pricing scenarios based on recommended loan and lease rates by the Marketing department. The analysis gave senior management foresight on the profitability of future interest offers to auto loan consumers, resulting in more informed pricing decisions.• Developed and updated financial models utilizing SQL, VBA and macros that streamlined repetitive financial analysis procedures resulting in time saving that eliminated one job requisition for the department.

Senior Risk Analyst (October 2004 – October 2005)Senior Financial Analyst (December 2003 – October 2004)Financial Analyst (May 2002 – December 2003)Staff Accountant (March 2001 – May 2002)• Led, trained and developed a staff of 6 analysts to further enhance the company’s viability and efficiency by reinforcing knowledge of business model, company culture and technical skills.• Developed transaction scrubbing tools after the company was identified in Visa’s Risk Identification Services Program. Within two months following implementation, the company’s account was compliant. • Developed processes and procedures to analyze and mitigate fraud though data mining utilizing SQL resulting in incremental cost saving for the company.• Hired, trained and managed staff of two financial analysts to perform superbly on Cash Management duties resulting in value added efficiency to the company.