Thomas W. Email & Phone Number

Traverse City, Michigan, United States

• Helped develop compliance program, with focus on operational compliance.• Reviewed state regulatory updates to determine operational impact. Communicated updates to stakeholders and ensured policies/procedures were updated accordingly.• Reviewed state filing drafts. Provided feedback and assisted product filing team with responses to insurance department objections. • Reviewed and responded to insurance carrier audit findings and escalated social media complaints. • Provided support and research to risk management team with internal audits. • Provided compliance review of marketing and media content (i.e., web, email, and magazine publications). Provided edits and feedback to writers. • Facilitated support to legal and privacy teams by handling subpoena requests and document gathering. • Aided in development of OFAC reporting program. • implemented state-mandated moratoriums for CAT-related events. • Ensured company promoted organizational culture fully encouraging ethical business conduct as well as commitment to compliance with law, resulting in positive image to associates, customers, vendors, and community. • Promoted sufficient internal policies and controls, reducing likelihood of improper conduct.• Cultivated and built strong relationships throughout organization and identified opportunities to educate business at-large on scope of compliance and why it proved important to collective success.• Analyzed vendor solutions to eliminate manual processing of adverse actions (insurance policy cancellation and non-renewal for cause). Presented plan to management and guided business in implementation of all-new automated solution, resulting in time savings of 80% by eliminating manual work.

• Developed state underwriting guidelines with insurance carrier partners and communicated guidelines to stakeholders.• Reviewed and responded to insurance carrier audit findings• Oversaw state reporting team and underwriting analysts.• Designed and maintained underwriting policies and procedures, communicating updates to affected teams. • Conducted and facilitated internal audits of adverse actions and communicated results for corrective action, resulting in reduction of compliance concerns. • Named and served as expert witness for federal criminal and civil trials nationwide.• Acted as liaison between company and partner carriers.

Traverse City, Michigan, United States

• Developed state underwriting guidelines with insurance carrier partners and communicated guidelines to stakeholders.• Reviewed claim reports to underwriting to determine if adverse action warranted and processed adverse action forms. • Assisted claims team with coverage review.• Served as liaison between underwriting, sales, and compliance teams as well as insurance carrier partners. • Managed DMV state reporting team.• Trained new team members in DMV state reporting and underwriting. • Developed comprehensive audit program for review of issued insurance policies and endorsements to ensure proper coverages remained in place and appropriate coverage selection forms on file. • Aided in development of company’s policy management system.

Traverse City, Michigan, United States

Charged with identifying, communicating, and implementing solutions to corporate compliance matters. Developed systems to track and monitor compliance with regulatory requirements and internal policies. Maintained and revised policy procedures for general operation of compliance program. Researched, analyzed, and worked with outside counsel on plan to eliminate paper insurance applications and implement online insurance applications and electronic signature. Presented my plan to organization and followed through to successful launch. Eliminated manual review and processing of physical paperwork through online functions.

Traverse City, Michigan, United States

Reviewed and processed client requested insurance policy changes and paid broker commissions. Optimized operational responsibilities to promote seamless delivery of services to all clients. Developed initiatives for process improvement and reviewed and assessed ongoing operations. Implemented strategies to take advantage of new opportunities.