Carol Emory Email & Phone Number

Greater Chicago Area

Schaumburg, Il

Counseled business units on the impact of new laws and regulations on insurance business operations.Analyzed and communicated the impact new laws and regulations have on insurance business operations to business partners and third party administrators.Collaborated with business units, informational technology, and state filings to ensure that any necessary changes to policy forms and rating rules are completed to meet regulatory requirements in a timely fashion.Led working groups to complete data security gaps analysis and develop company data protection privacy.Advised on data security matters.Collaborated with compliance colleagues and the Chief Risk Officer to complete and submit required Enterprise Risk Management documentation.Cleared applicants and claimants against the Office of Foreign Assets Control and the European Union sanctions programs to determine whether a policy may be written or a claim paid. Reviewed marketing materials for compliance with state laws, regulations, and NAIC standards.Conducted and documented high level reviews of the company's business practices to determine compliance with NAIC standards.Provided legal research and advice on a variety of issues, including state assessments and surcharges, the New York Free Trade Zone and deregulation, claims standards, minimum earned premium, unclaimed property and cancellation, renewal, and nonrenewal of policies.

Counseled business units on regulatory, legislative and compliance issues affecting property and casualty insurance operations in the Capital Region, including underwriting, pricing, claims and product operations.Counseled Allstate Business Insurance on legal issues associated with business strategies.Provided legal advice on market conduct examinations and statutory and regulatory implementation.Monitored pending legislation and regulatory activity and provided legal opinions regarding the impact on business practices.Collaborated with business colleagues to gain regulatory approval of Allstate’s products, rates and underwriting guidelines, including auto, home, commercial, condo, condo association, motorcycle, off-road vehicle, and excess and surplus.Provided guidance on the use of credit history for underwriting and rating.

Researched and analyzed state statutes and regulations relating to property and casualty insurance.

Researched legal issues related to health care.Researched and reviewed contracts.

Managed intake activities including assessment and assignment to programs. Practiced confidentiality according to HIPAA and the Illinois Mental Health and Developmental Disabilities Confidentiality Act.

Jd, Law

Activities and Societies: Member, Loyola University Chicago Law Journal Member, Annals of Health Law Research Assistant to Professor.

Msw, Social Work

Bs, Psychology

Activities and Societies: Psychology Club, Psi ChiSumma Cum Laude, President's List, Phi Kappa Phi, Psi Chi, Katherine Vickery.

Education record