Oversight of Large Group Renewal Underwriting for Georgia & Virginia’s commercial group health insurance business with a staff of 25 Underwriters including one manager and combined total revenues greater than $3.5 B. Accomplishments:- Integration of GA and VA UW Teams, leveraging best practices and developing new methods to ensure optimal outcomes.- Cross regional development of new corporate strategies, best practices, and methodologies aimed at driving desired results.

Responsible for directing the development and implementation of pricing and underwriting policies and standards, including strategic oversight of the underwriting function for Georgia’s Commercial business segment, with total revenues greater than $2.5 Billion. Accomplishments:- Increased FI 100+ persistency 10% in first year, while maintaining profitability:o Implemented proactive renewal strategy focusing on best groupso Developed competitive analysis strategy to help price groups right, up front- Revamped team’s stop loss renewal and quoting strategy:o More focus on fundamentals, rating philosophyo Project significant improvement to Stop Loss margin for 2021- Integral member of the ABACUS Steering Committee, small team of UW Leaders tasked with shaping the future state of ABACUS- Main UW contact for Behavioral Health Advantage pricing team- Received Go Beyond Impact Award for Leadership from Region UW VPOther Primary Responsibilities:- Hires, trains, coaches, counsels, and evaluates performance of underwriting team, which consist of 11 underwriters at various experience levels.- Oversees daily workflow within unit and ensures timely release of work.- Monitors competitors' rates, benefits, and financial arrangements.- Assists in the design, pricing, and implementation of new products.- Develops and manages department budget.- Collaborates with Finance and Actuarial teams from stop loss, Rx, and local health plan to ensure pricing and strategic goals align- Consults with Sales and Account Management leadership teams to ensure meeting of membership & financial targets.- Interim RVP (April 2020 – June 2021):o Represented Georgia UW on Plan President, Business Operating Review, and Regional Leadership meetingso Responsibility for higher level strategic decisions and oversight for Georgia as well as representation in regional strategic decisions

West Region Team Lead Responsibilities:-Mentor, train, coach, advise, & assist West Region underwriting team-Manage UW/Account Management relations for ANA West Region-Enhanced concession approval authority-Continued responsibility for own book of business, and projects

Accomplishments:- National Account's West Region Underwriting Lead- UW responsibilities for block of renewal business that includes over 250,000 members- Profitable management of Stop Loss block with over 75,000 members and over $15.5 Million of Premium- Ownership and Architectural role for the ASO Rating Model for Anthem National Accounts- Assigned liaison/advisor role for Anthem National Accounts involvement in the corporate rating tool development- Lead role in Anthem National Account's annual pricing strategy development team- Completed Anthem's coveted six-month Leadership Fundamentals Program- Provided Underwriting 101 training to Anthem National Accounts' Account Management team- Provided Pricing Strategy training to Anthem National Accounts' Account Management team at Annual Coast to Coast conferenceRecognition:- Recognized with the Anthem "Values in Action" "A" award for Innovation in 2016 for work on 2018 Anthem National Accounts Pricing Strategy- Recognized with the Anthem "Values in Action" "A" award in 2015 for work on ASO Rating Model enhancementsUW Responsibilities:- Underwriting Anthem National Account Fully Insured, Self-Insured, and Stop Loss Renewals for the Centralregion using knowledge of risk assessment, pricing components- Calculate renewal rates for large complex cases based on thorough analysis of experience, location,demographics, etc.- Perform post-sale reviews.- Prepare or supervise preparation of annual settlements, ERISA reports, rate projections, or benefit changeincrements and decrements.

Accomplishments:- Helped profitably grow 100+ Fully Insured & ASO large group portfolio, tripling membership while maintaining target profit margins- Developed and maintained Multi-year experience rating model- Trained and mentored new and experienced Underwriters- Attended Underwriting training in Kansas City, MO- Assigned as UW hub lead for Large Group Rating Tool(ERNIE)- Lead Underwriter for City of Atlanta 2013 RFPResponsibilities:- Underwrote Fully Insured and ASO Medical and Dental Insurance for Prospects and Renewal Business in Georgia for the Small and Large Group market segments using knowledge of risk assessment, pricing components, Coventry’s products/services, SGR (where applicable)and pricing guidelines - Developed required premium and effectively compared Coventry’s results to competitor bids to attain optimum premium without compromising cost ratio targets. Applied underwriting judgment as warranted.- Made recommendations for plan changes and rate impact based on financial analysis, underwriting principals and business strategy.- Communicated technical and financial concepts to internal and external constituents both verbally and in writing.- Collaborated and shared information cross functionally with internal constituents.- Performed peer reviews for all Georgia Large Group proposals- Concession approvals up to 83% of profit and approvals for Underwriting Judgment formula deviations- “Block” (LG to 249 enrolled subscribers) management responsibilities including tracking, formula adjustments, concessions, and maintaining target profitability - Close collaboration with Account Executives and Account Managers to ensure all proposals were viable- Attended weekly meetings with sales management to ensure pointed focus between Sales and Underwriting- Attended meetings with consultants to help deliver and negotiate proposals and renewals

Accomplishments:- Completed Aetna ASM 9 week Corporate Underwriter Training in Connecticut - Included topics from basic Health Insurance & UW principles to Group Underwriting from 100 – 3000 life groups - Included FI, ASO, and Stop Loss UW Training- Assigned regional Hub SME responsibilities for Aetna Quoting System- Trained and mentored seasoned and new Underwriters- Assigned as an ambassador for recruitment fairs- Assisted with Corporate Experience Rating training for UW hubResponsibilities:- Underwrote Fully Insured Medical, Dental, Life, and Disability business in the 51-125 segment using knowledge of risk assessment, pricing components, Aetna’s products/services, and pricing guidelines- Worked with Account Executives in Southeast and Mid-Atlantic/Capitol regions - Served on multiple project teams- Medical Underwriting of South Florida and Georgia cases under 100 lives using Individual Medical Questionnaires

Responsibilities:- Leadership of the highest volume multi-branded Arby’s-Mrs. Winners unit in Georgia.- Management of more than thirty-five salaried and hourly employees including; recruitment, interviews, hiring, training, performance management, promotions, forecasting, and scheduling.- Analyzing inventory needs and creating an ordering guide.- Invoice Reconciliation and General Ledger Coding- Profit and loss budgeting and analysis- Loss prevention and risk management including conducting investigations related to financial manipulation and customer/employee incidents and other HR sensitive issues.- Local Store Marketing including establishing relationships with local schools and businesses to help bring in new customers

Responsibilities:- Leadership of the highest volume multi-branded KFC-Taco Bell unit in Georgia.- Duties similar to those described above- Achieved elite corporate certification for exceeding product quality and service standards.