• Respond quickly and effectively to resolve obstacles to customer relations in a calm, firm, fair, and objective manner.• Highly effective auditor - execute accurate, timely, and quality audits in production environment.• Support customer service goals by politely engaging policyholder clients and our agent partners to determine actual exposures and final premiums.• Continually surpass quality standards and achieve compliance with NCCI rules.• Effectively detect and correct premium avoidance. Collaborate with underwriting and SIU to protect carrier’s surplus. Testify as expert witness for policyholder financial fraud cases in Maryland. • Meet or exceed almost every department goal for over 8 years (combined service dates).• Review and analyze policyholder records including general ledger, financial statements, tax returns, and other records to determine level of premium and classification structure for variety of industries in construction, manufacturing, transportation, food distribution, and agricultural sectors.• Exhibit sound judgement and utilize experience (gained over years) to determine when an audit requires additional attention and due diligence. • Consistently enhance professional knowledge and development by seeking additional certifications. Demonstrate curiosity to mastering additional topics such as client accounting software, including Quickbooks, etc.• Demonstrate willingness to obtain additional certifications, i,e, completion of ARM and completion of courses towards CPA.

Part time Instructor, Aviation Degree Program, Fixed Wing Simulator and Flight Instructor • Gold Seal Instructor, Federal Aviation Administration.• Airline Transport Pilot / Instructor.• Instruct primary, instrument, and commercial pilots in FAA-approved syllabus in traditional cockpit (vacuum DG and AI, electric TC, and pitot-static instruments) and TAA (technically advanced aircraft) mockups including aircraft equipped with G1000 avionics.• Administer instrument proficiency checks.• Coach, mentor, and prepare students in preparation for check rides with FAA-designated pilot examiners.

•Understand and research operations, exposures, and controls in many different industries and businesses insured or contracted by PMA.•Utilize actuarial and benchmarking data to identify loss control opportunities on property, fleet, general liability, and workers’ compensation policies.•Determine client cost of risk and use that knowledge to compel action plans.•Engage high level managers in strategic and holistic service planning meetings designed to reduce client cost of risk in insurance programs with national footprint. Clients usually had high deductibles or loss-sensitive retentions, and required the development and implementation of specific, measurable, achievable, realistic, and time-oriented goals. The development of these plans was intended to reduce the client companies cost of risk, ensure profitability for PMA, and to support the reduction and/or absence of claims, across multiple insurance lines: workers compensation, property, commercial auto, and general liability.•Persuade resistant clients by use of data analytics. Prepare customized reports measuring top loss drivers, claim frequency, total incurred dollars, lost time frequency, record only frequency, medical only frequency, and loss rates.•Recognize and assess areas of potential severity and collaborate with clients to immediately mitigate risk in these areas•Consult with, collaborate, design, and jointly implement strategic risk control programs with clients.•Fully implement general liability risk control programs for a variety of industries.•Reduced non-$0 musculoskeletal injury rates by over 40% per year in public utility and healthcare environments.•Assist clients in identifying risks and assessing operations, exposures, and controls. Fully develop and implement safety and risk management programs, including ergonomics, confined space, respiratory protection, fall prevention/protection, fleet management, safe resident handling, hearing conservation, etc

• Lead and direct seven underwriters in large insurance company.• Evaluate loss history, financial statements, and insurance applications to accurately price workers’ compensation policies.• Bind company policies with premiums up to $1.5 million per policy.• Directly report to Director of Underwriting.• Assist with rollout of underwriting system upgrades.• Liaison with internal auditors.

•Decrease incident frequency and severity across multiple industries: construction, manufacturing, social services, healthcare, transportation, timber, agriculture, food, and others.•Partner with senior management in companies to identify reasons for high insurance costs and develop plans to reduce experience modification rate.•Plan, recruit for, organize, and develop safety committees to increase employee involvement.•Identify training deficiencies and tailor custom training, testing, and evaluation of employees. Develop safety audit plans and assist management in incorporating such results into performance evaluations.•Monitor, control, and reevaluate results for continuous improvement.•Develop and foster relationships with OSHA, MOSH, and other compliance agencies.•Conduct safety and health inspections on large construction and manufacturing risks.•Enhance knowledge of OSHA and MOSH regulations pertaining to multiple industries. Earned NSC Advanced Safety Certificate (including Industrial Hygiene).•Work with engineers to develop engineering controls, as well as management for enhancement of administrative controls and work practice controls.

• Develop audit plans for companies in varied industries.• Audit book of business in Washington, DC; Montgomery County, MD; Carroll County, MD; and Frederick County, MD• Prepare clients for engagement and interview controllers, CFOs, CPAs, and department managers• Review and analyze financial statements and records to determine level of premium and risk structure for construction, manufacturing, and agricultural risks.• Audit to scope in accordance with NCCI Basic Manual and SCOPE Manuals and determine basis of premium utilizing financial statements, general ledger, 941 payroll reports, unemployment insurance reports, invoices, job cost records, AIA contract schedules and drawings, and business tax returns in process of identifying risk.• Responsible for identifying complicated premium avoidance strategies including experience modification transfer, re-organization, and interactions with related parties.• Develop and utilize audit selection criteria for variety of accounts from Central PA to Washington DC.Make referrals and work collaboratively with CFEs (Certified Fraud Examiners). Submit evaluation reports on cases for civil action; inform Underwriting department of material findings.• Successfully completed all required courses to take CPA exam, but did not take exam.

•Business conceived in order to supplement small income as commercial pilot/flight instructor.•Expanding on skills and interests developed in college while working on framing crew, started a construction company specializing in interior demolition, framing, and renovation.•Performed all estimating work and assisted in hands-on carpentry projects, including construction of completely renovated homes in Baltimore city, new home construction for vacation residences in West Virginia, and smaller construction needs.•Solicited subcontractor bids as necessary to assist in specialty trades; maintained costing, budgeting, and scheduling processes.

• Instructed primary, instrument, commercial, and airline transport students in single and multi-engine aircraft to meet practical test standards (PTS) for Federal Aviation Administration check rides. Logged 3,600+ of pilot in command time. FAA Gold Seal Instructor.• Instructed primary pilot candidates prior to their primary USAF UPT. Ferried aircraft, performed post-maintenance flights, and evaluated pilots for proficiency in accordance with FAA standards.• Subsequently offered class spot/job offer with Republic Airways flying the EMB-170 regional jet. Declined offer of employment due to career reevaluation and post-9/11 airline industry hardships.

•Headed business user team responsible for the development, testing, and implementation of new pricing interfaces, software, and other major systems changes. Assisted in COBOL scripting for foreign exchange pricing.•Assisted internal auditors and risk analysis team in assessing and mitigating market risk, as well as external auditors in auditing of financial records and compliance. Managed development of user/vendor nightly pricing interface.•Voted “MVP for Accounting Services” Group for IT Project Management; received two promotions in four years.•Trained new associates in equity and accrual accounting procedures.•Elevated to interim manager of 10 person team for two weeks, and submitted resignation prior at this time in order to pursue aviation interests.