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Date Created: 12/21/15
J OHN H. F ROST , CPCU firstname.lastname@example.org ● (770) 590-0http://www.linkedin.com/in/johnhfrost Powder Springs, GA 30127 C OMPLIANCE P RODUCT M ANAGER Accomplished product management professional with 10+ years of proven experience in directing companywide initiatives with high return-on-investment (ROI) for the auto insurance industry. Exceptional leader and project manager skilled in fostering top-performing teams while meeting or exceeding goals and objectives. Outstanding business strategist and proactive change agent with an established facility to implement innovative solutions to enhance existing operations. Proficient communicator and negotiator adept at meeting aggressive deadlines while providing staff with unparalleled guidance, mentoring, and motivation. AREAS OF EXPERTISE Product Management – Plan Development/Implementation – Pricing Strategies – Market Segmentation – Project Management Product Lifecycle Management – Policy & Form Development – Cross-Functional Team Leadership – Vendor Management Regulatory Compliance – Data Analysis – Risk Management – Process Improvement – Legal Research – Communication PROFESSIONAL EXPERIENCE AMERICAN INDEPENDENT C OMPANIES, NC.– Atlanta, GA 2006 to 2010 Group of nonstandard insurance companies. PRODUCT COMPLIANCEM ANAGER Established and drove key initiatives on product strategy and profitability within region including compliance and state responsibilities. Converted antiquated program to new, expanded, countrywide tiering structure and model policy contract (MPC). Provided program leadership encompassing all aspects of program implementation including developing rates and factors, working with internal and external programmers to meet launch deadlines, testing of product, and filing forms, rates, and rules. Analyzed financial results, product profitability, and competitive information and designed forecasting models for region. Selected for director’s role in maintaining compliance utilizing Wolters Kluwer compliance solution. Communicated changes in state statutes, regulations, and bulletins with compliance implications by continually reviewing legislation for up- coming changes. Supported product managers in conversions and directed conversion of Kentucky to new platform. Re- viewed pricing, and designed features and distribution strategies to make recommendations for product enhancement. Suc- cessfully managed relationships with regulators, consultants, and third-party vendors. Contributed coaching, career devel- opment, and interdepartmental relationship management for 3 direct reports. Controlled market conduct exams, DOI com- plaints, DMV reporting, ChoicePoint relations, and compliance research. Shared and implemented procedures to ensure le- gal and regulatory compliance of new product development, product management, and enhancement projects. Converted first state (South Carolina) from old rating platform (AS/400) to American Independent’s rating and form issuance platform (Isi); newly implemented Isi platform was instrumental in growing written premium to $19.2M against plan of $11.1M in 2007. THE HARTFORD FINANCIALS ERVICESGROUP – Atlanta, GA 1997 to 2006 One of America’s largest investment and insurance companies. SENIORPRODUCT CONSULTANT(2005 TO2006) Evaluated premium and loss results, facilitating rate and rule filings and testing changes, and collaborating with Sales to communicate revisions to agents. Drafted MPC, implementing all changes and distributing key revisions to team during policy review and filing. Spearheaded margin management analysis via monitoring and communication of key measures of profitability by line and new business quality. Executed side by side policy comparisons of MPC for Customer Service and Claims personnel to demonstrate policy changes. Supported external parties to exhibit shifting product portfolio. Created new filing documents, led strategy meetings, and completed filings to gain approval for new products. Developed and gained alignment on recommendations to positively impact profitability within given state and line of business. Provided support, leadership, and influence for sales force, pricing, claims, financial managers, customer care unit, corporate relations, and risk management partners. Partnered with other departments and field/territory contacts to improve financial results in assigned markets. Directed companywide Model Policy Contract (MPC) project that improved loss ratio by at 7% while maintaining all rate and non-rate activity in non-focus states; observed aggressive filing schedule. (Continued…) JOHN H. F ROST , CPCU ( CONT .) email@example.com ● (770) 590-0395 Powder Springs, GA 30127 PRODUCTM ANAGER(1997TO2005) Initiated pricing analysis and managed regulatory filing process. Ensured assigned product lines complied with state regula- tions and statutes. Created underwriting strategy and guidelines, aligning policy and coverage language with strategy. Successfully directed North Carolina escrow refund project from project definition to completion. Executed competitor market analysis to identify major competitors and how products differed in tier structures, use of insurance scoring, discounts, pay plan criteria, and fee structures. Managed companywide rate revision process from initial data analysis through collaboration with Sales, Customer Service, and Claims business units. Defined final functional specifications to enable IT to program changes, and coordinated testing of final solution. Supported internal and external testing of newly revised products and distribution to market. Shaped and disseminated information for partners regarding product changes. Designed, launched, and managed auto products in North Carolina; successfully accomplished launch within 1 year. Managed South Carolina region from 2000 to start of 2005; grew written premiums from $7.1M to $33.2M. Produced calendar loss ratios for 5-year period including 66.1% (00); 58.3% (01); 49.9% (02); 51.8% (03); and 54.3% (04). EDUCATION Bachelor of Business Administration in Risk Management and Insurance – University of Georgia – Athens, Georgia