Chris Ruth Email & Phone Number

Chief Financial Officer of TB Goods, North Central Florida's premier choice for collateral based loans and quality pre-owned merchandise offered at less than retail prices. Details regarding TB Goods available products and services can be found at www.tbgoods.com.- Financial Systems Management: Develop and monitor the corporation’s systems to maximize growth opportunities and operational efficiency. Over the past 6 years our team has transformed the operations of the company by upgrading Point of Sale equipment, integrating accounting software, segmented job functions, streamlined risk assessment protocols for our loan product, expanded services, increased internet sales, and opened a satellite store.- Regulation Compliance: Develop and monitor changes in local, state, and federal regulations that affect the pawnbroking industry. Develop, train, and monitor internal compliance for OFAC (Office of Foreign Asset Control) Specially Designated Nationals, FTC (Federal Trade Commission) Red Flags Rules, IRS (Internal Revenue Service) Cash Payments in excess of $10k., Florida Pawn Broker Act.- Associate Training & Development: Implement and oversee corporate compliance, sales, lending, and customer service training.

Property & Casualty Underwriter for Nationwide's Mid-Atlantic Region. Specifically, New Castle County in Northern Delaware.- Determined individual risk acceptability, pricing, coverage, terms and conditions, by developing, analyzing and evaluating information and exposures on risks of basic technical complexity and with limited authority for 27 of Nationwide’s Agent(s) offices in New Castle County, Delaware. - Achieved production and loss ratio goals with or without assigned territory by reviewing and analyzing claims, loss history and taking appropriate action on individual accounts and/or program or territory.- Audit individual policies for compliance with company guidelines. Development and implementation of specific action plans for agency(s) when required.- Handled policy maintenance items and other mid-term requests. Reviewed endorsement requests and processes necessary changes to the policy. Reviewed loss control reports and provided recommendations to the agent and/or changes to the policy.- Fostered positive business relationships with agents and brokers, through daily contact with assigned agents by developing and maintaining good rapport, and resolving agency conflicts. Traveled to agency offices as required for audits, training or marketing visits. Entertained agents who visited Nationwide’s Gainesville Service Center as required. Assisted with development of marketing ideas and strategies for underwriting seminars and other marketing campaigns.

- Assistant Non Standard Auto Supervisor responsible for team of 9 direct reports. Conducted training and quality review of all team members.- Verified eligibility and proper classification of assigned personal lines insurance risks using approved classification systems rating plans, selection standards and manual/materials. Accepted risks that are within established guidelines and criteria. Responded to questions escalated from team members, management, and others.- Verified rating information to assure proper premium classification. Referred cases needing underwriting review. Corrected errors and fixes new business information that was not submitted correctly via the system. - Authorized notices of cancellation per established criteria.- Provided advice on complex transactions. Performed quality checks, reviews results and made recommendations for problem resolutions. Responded to inquiries from agency force or escalated issues regarding eligibility, reinstatements, coverage(s) and classifications.- Analyzed new product and company initiatives to determine effect on Screening unit and assist in development of procedures.