Karin Chirico
State Farm
Cartersville
11
years of professional experience
Dynamic underwriting professional with extensive experience at State Farm, excelling in risk evaluation and fraud investigation. Proven analytical skills and exceptional communication abilities drive successful outcomes in complex underwriting cases. Recognized for proactive problem-solving and a detail-oriented approach, consistently enhancing risk classification and profitability in diverse product lines.
Work History
Product Line Management Underwriter
3 Years 5 Months- Evaluate and resolve agency appeals by applying critical thinking, sound underwriting judgement, and established guidelines to support appropriate risk decision
- Assist with identifying and re-underwriting targeted listings to ensure accurate risk classification, appropriate rating, and profitability while actively contributing to new targeted listing ideas
- Serve as a member of the Underwriting Investigative Unit, investigating potential fraud, rate evasion, and material misrepresentation to support underwriting integrity and informed risk decisions
- Manage escalated underwriting cases by analyzing complex risk factors, exercising sound judgement, and collaborating with management to determine appropriate action
- Review RAS referrals from claims partners which can include undisclosed drivers, claim frequency and violation history to determine appropriate underwriting action
- Partner with senior underwriters to conduct high-level reviews of complex household risks and agency concerns, contributing technical expertise and critical analysis to support consistent underwriting decisions
Business Lines Contact Center Underwriter
4 Years- Achieve and surpass departmental goals consistently
- Demonstrate proactive initiative and results-drive mindset
- Assist in click to chat to help our agency partners navigate through underwriting tools to show best practices
- Evaluate and analyze new commercial applications for efficient processing
- Drive continuous improvement as a member of the Continuous Improvement Committee, contributing implemented ideas to enhance the chat space
- Collaborate actively with the resource group, bringing back key insights to team huddles for better alignment with agent partners directions
- Partnered with service teams to optimize concern handling and processing techniques
- Assisted with onboarding of new chat representatives and serve as a "day in the life" team member during training
- Guide and support new team members in their acclimation process
- Provide side by side opportunities to demonstrate expertise in the chat space
- Actively participate in mentorship programs to enhance my knowledge and personal brand growth within the company
Personal Lines Underwriting Service Assistant
3 Years 10 Months- Processed raw new/added applications
- Accurately recorded and processed policy transactions which included discounts, coverage changes, and reinstatements
- Ordered necessary reports to determine proper rating/eligibility
- Collaborated as a key member of the implementation team for the enterprise's standard to mutual transfer process, aiming to enhance risk-to-rating alignment
- Ensured a high level of accuracy and completion of applications/policy transactions
Education
Bachelor of Science - Accounting/Criminal Justice
Skills
Exceptional communication and interpersonal skills to effectively assist agents
Analytical and evaluative abilities for accurate underwriting decisions
Detail- oriented approach with focus on accuracy and precision
Proactive problem solving
Strong underwriting knowledge/experience
Timeline
Product Line Management Underwriter
State Farm
06.2023 - CurrentRead More
Business Lines Contact Center Underwriter
State Farm
06.2019 - 06.2023Read More
Personal Lines Underwriting Service Assistant
State Farm
08.2015 - 06.2019Read More
Jacksonville State University
Bachelor of Science from Accounting/Criminal Justice
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