Ensured underwriting practices, procedures, and products were in compliance with state and federal regulations applicable to Personal Lines insurance.• Researched and interpreted legislative and regulatory requirements and identified impact to business. Collaborated with affected business areas to develop action plan when changes to forms, systems, or procedures were needed for compliance. Managed implementation of compliance changes through to completion. Validated compliance with independent testing.• Developed insurance policy products and coverage forms to achieve underwriting and corporate profitability objectives. • Composed detailed policyholder notices to explain policy changes in easy to understand terms.• Developed business requirements for programming system changes and led cross-functional project teams to ensure accurate and timely implementation.• Composed rate and rule manuals for filing with state insurance departments. Responded to any questions about the filings.• Created educational documents for new products and provided training to affected departments.

Identified opportunities to enhance, correct, procure, and develop business systems that improved the efficiency of internal and external users. • Collaborated with Information Technology (IT) to develop system requirements, test changes, approve implementation, and review post-implementation functionality.• Developed and implemented procedures for policy processing to meet and support federal, state, industry, internal audit, and Sarbanes-Oxley Act requirements. • Audited internal processes and provided recommendations and time frames for improving efficiency. Followed up on efficiency once recommendations were in place. • Retained as expert for the merger of Personal Lines functions for Unitrin Multi-Lines to Kemper. o Ensured there was no disruption to business as 5 regional offices were consolidated into 2. o Point of contact for transition of control, system functionality, and the conversion of $277MM in policy premium into the Kemper system. o Developed interim procedures throughout the evolving conversion process.

Evaluated Homeowners, Dwelling Fire, Automobile, Watercraft, and Excess Liability lines of insurance.• Managed multi-million dollar territory to maximize profits and minimize losses. • Reviewed existing policies for changes in exposures and took appropriate actions to obtain adequate rate or discontinued coverage if the policy no longer met company guidelines. • Partnered with agents to improve results and reduce agency and company costs. • Trained and mentored new underwriters to enhance proficiency in a fast-paced, high production office.