I am a high energy and experienced insurance industry executive that started my career during my pursuit of a law degree at The Hartford Insurance Group. My Hartford college internship as an Underwriting Associate turned into an amazing career and experience in roles in multiple insurance disciplines such as Sales, Underwriting, Finance, Claims and Executive Leadership. EXPERIENCEI built my career with a focus on advanced education, technical skills and excellent teams of insurance professionals in the Western United States with global organizations such as Hartford, C.N.A., Navigators Group and Chubb. My education background is an MBA with an International Finance certification and a Summa Cum Laude dual bachelor’s in Business and Marketing Management. I hold Insurance designations such as Certified Insurance Counselor, Supervisory Management, Automation in Insurance Management, General Insurance and several Charter Property & Casualty, Associate in Risk Management courses and executive leadership program certifications with firms such as Capgemini, EY, Bain & Co. and Center for Creative Leadership. I am a licensed California resident Property & Casualty, Life, Accident & Health producer and non-resident licensed producer in 8 western states. One of my best career decisions was transitioning my corporate education, skills and experience into purchasing and building my insurance agencies. I am most proud of my talented and motivated customer first team that goes above and beyond to help our customers protect their assets. Our clients are cherished and we treat them as they are - our family.

Oversite of sales, service and insurance product distribution for South California based in Los Angeles. Coordination with regional sales and underwriting and service managers for product offerings including Commercial, Financial and Personal Lines. Established P&L's , product, sales and staffing roadmaps. Mentored and grew key agency and broker partners to optimize sales and profit. Critical focus on leading and mentoring our team all while enforcing the company's policies and regulations.

Commercial and Specialty officer position responsible for field implementation and management of a matrix business and product strategy in a dual distribution retail and wholesale channel for the Western Zone (states west of the Mississippi). Accountable for Western Zone agency and broker appointments, broker relationship strategy implementation and management of key product initiatives to include broker efficiency, profit management, compensation management and broker initiatives such as Aon InPoint/GRIP, Marsh MarketConnect, and WillPlace. Accountability includes broker liaison roles with business presidents and product managers i.e. Primary and Excess Casualty, Marine, Life Science and Allied Health, Environmental, Automobile, Management Liability, Surety and Professional Lines. Additional accountability extends to leadership oversight of field offices in Los Angeles, Irvine, San Francisco, Seattle, Houston and Minneapolis.

Profit Center management of a $210 million multi-line Commercial, Small and Specialty business. Direct oversight and management of Los Angeles, Phoenix and Albuquerque underwriting, audit and risk control teams and offices. One of the greatest achievements was the improvement of Los Angeles’s office combined ratio to 82 from 120. Underwriting and sales teams were recognized multiple years as top performing sales and distribution offices through delivery of superior underwriting, operations, and above and beyond broker service. Responsibility included the attraction, development and retention of top underwriting, sales and service talent, creating and developing dual channel agency and broker relationships that delivered superior profit and growth results. Key successes included alignment with business and product leaders that focused on high growth products and strategies ultimately creating a marketplace reputation as an employer and business partner provider of choice.

Branch Manager | Arizona| Nevada | www.thehartford.comResponsible for providing overall management, underwriting and sales resources for a $175 million Phoenix Commercial Middle Market, Small Business and Personal Lines Branch for the states of Arizona and Nevada. Responsibility included direct management of Commercial and Specialty underwriting team, broker programs and relationships to include profit center, sales and dual broker distribution channel management. Western Division Middle Market Managing DirectorCommercial Underwriting Officer oversight and administration role of the Western Division $500 million Commercial Lines Middle Market Multi-Line Underwriting Portfolio (Property, Crime, General Liability, Automobile, Workers’ Compensation, Excess Liability) and direct management of a staff of 75 through the management of underwriting risk within the company’s underwriting and risk tolerance levels. The main purpose of this position was to establish and execute internal oversight and tight management of Commercial multi-line underwriting book of business alongside development and execution of written technical underwriting policies and procedures in conjunction with product business leaders and actuary teams for extending operational and underwriting authority to underwriting teams and field underwriting offices, while ensuring that they effectively met and /or exceeded profit and growth goals of the company. Noted achievements in this role included the successful launch of a Technology vertical that integrated professional liability and multi-line primary and excess liability underwriting into one team. (Role addendum available). Denver Region Personal Lines Sales Manager A unique opportunity to lead a $150 million Personal Lines Sales and Underwriting division for the states of Arizona, Colorado, Nevada, New Mexico, Utah.

1999 - 2003 | Kemper Insurance Group Branch Underwriting Director | Phoenix | DenverDirected and managed the Phoenix and Denver Property and Casualty Middle Market underwriting office teams responsible for $55 million Commercial multi-line business written within the states of Arizona, Colorado, New Mexico, Utah and Wyoming. Responsibility focused on underwriting profit center management and agency distribution oversight and direction to drive profitable growth.Managing ConsultantAssisted in establishing Phoenix Kemper Middle Market office responsible for $35 million written within the Arizona and New Mexico marketplaces. Key success included development and execution of underwriting plans to improve Middle Market book mix, profitability and achieve agent and broker profitability goals while attaining double digit growth. This resulted in a combined ratio improvement from 145 to 89 within 2 years of book oversight.