1. 5504 Preserve Point
Flowery Branch, GA 30542
WENDY L. FINE
OBJECTIVE To secure a challenging and responsible position with an organization that
requires strong organizational, communication, and leadership skills.
SKILLS & ABILITIES Underwriting Knowledge Analytical
Analyzing Insurance Policies Proactive Team Player
Policy Coverage Expert Law and Government/Licensing
Complex Problem Solving Excellent Customer Service
Public Speaking Investment Products
EXPERIENCE PRICING ANALYST/UNDERWRITER THE LIFELINE PROGRAM
Tucker, GA July 2011 – May 2015
Performs valuations on life insurance policies using Milliman
Pricing Model, policies, Life Expectancies, VOC’s, Policy Statements
and illustrations to assist in determining if submitted cases
support a qualified bid.
Analyzes variable scenarios to verify that policies are priced
within specific funding requirements and provides summary
underwriting analysis of results of pricing model in determining
the price of a policy.
Determines the value of policy when risk is substandard and
specify applicable endorsements or apply rating to ensure safe
profitable distribution of risks, using reference materials.
Decline excessive risks.
Communicate with field representatives, medical personnel, and
others to obtain further information, quote rates, or explain
company underwriting policies.
Examine documents to determine degree of risk from such factors
as applicant financial standing.
Review company records to determine amount of insurance in
force on single risk or group of closely related risks.
Determines based on information submitted the best and most
appropriate source of information to use to evaluate the case for
the most accurate analysis possible.
Worked closely with Brokers and Agents throughout the process
of a Life Settlement to ensure compliance with state laws and
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National Accounts Administrative Assistant – Ranstad/The Dempsey Companies
Atlanta, Ga August 2010 – November 2010
Produce and transmit accurate life insurance illustrations in a timely fashion.
Processed case design and analysis to express product weak points/strengths in
order to recommend new/better products. Processed illustrations using Winflex
Web and Agency Works.
Understanding all aspects of approved carrier’s illustration software, concepts and
Produce accurate marketing materials for national Sales Director.
Handle the day to day operations for National Sales Director.
Manage workflow to best accommodate time sensitive needs of customers.
Financial Customer Service Representative – McCamish Systems, Inc
Atlanta, Ga March 2009 – January 2010
Handles all call center responsibilities in a timely, accurate and responsive manner
for the assigned business unit consisting of individual or group variable universal
life and/or individual variable annuities.
Process new business, financial and non-financial transactions for TIAA-CREF
Experienced in processes and managing clients Full Surrenders, setting up Dollar
Cost Averaging and Automatic Asset Re-balancing, Fund Transfers, tax-id changes,
and beneficiary changes within industry protocol.
Knowledge in working with complex systems, such as, VPAS, PSWD, Acrosoft, and
working with multiple screens.
Establishes and maintains a positiveand productive rapport with assigned
clients/insurance carriers, proposed policyholders and agents/brokers.
Experienced in working closely with Wealth Managers and their clients in a fast
Participates in appropriate aspects of the development, implementation and
product support processes to facilitate servicing assigned client/insurance carrier.
Provides system and product training to new team members.
Workers’ Compensation Claims Adjuster – Montgomery Insurance/Liberty Mutual
Duluth, GA June 2004 – September 2005
Analyze and process workers’ compensation claims by investigating and gathering
information to determine the exposure on the claim.
Experienced in handling patients in a delicate and professional manner on a day to
Ability to handle all aspects of medical files, billing, payouts and schedule
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appointments efficiently to ensure that the claimant is taken care of professionally.
Ability to handle at least 140 open files and close 100% ration in a timely and cost
Negotiated settlement of claims up to designated authority level and made claim
Calculated assigned timely reserves to claims and monitored reserves adequately
throughout the lifeof the claim.
Developed and managed claims with well-developed action plans. Prepares state
filings within statutory limits.
Actively managed the litigation process. Determined benefits due and made timely
claim payments and adjustments.
Ability to use appropriate cost containment techniques including strategic vendor
partnerships to reduce overall cost of claims for our clients. Maintained
professional client relationships.
Registration & Licensing Analyst – AXA Advisors/Equitable
Alpharetta, GA March 2000 – October 2002
Worked as a liaison between regional field administrative and legal/compliance
department to insure all associates are in compliance with federal and company
policies regulating the securities industry.
Supervised daily administrative tasks for the largest and highest volume division
within the company. Evaluated credit history, criminal background, salary
eligibility and outside business activities.
Trained regional branches on hiring, licensing, state, NASD and compliance
requirements and procedures.
Investigated, and resolved disclosure and Department of Justice Issues.
Coordinated licensing and registration filings through state insurance/securities
divisions, and the NASD in accordance with strict deadlines and within industry
Supervised technical support, training, and quality control for Applicant Tracking
system within the entire country.
Headed the IAR (Investment Advisory Representative) registration process for the
Financial Service Representative – Madison Financial Group/Met Life
Atlanta, Ga January 1999 – August 1999
Responsible for facilitating new business in specific target markets.
Organized and presented financial seminars to current and potential clients.
Specialized in working with companies to develop a better financial plan.
Established long term relationships with clients. Developed territory through cold
calling and time management.
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EDUCATION GEORGIA STATE UNIVERSITY – ATLANTA, GA
Bachelor Degree in Risk Management and Insurance – 3.8
Insurance and Risk Management Scholar Nominee
ACCOMPLISHMENTS Liberty Mutual Basic T.E.C.H Training Program.
I completed Insurance Institute of America’s Introduction to Claims
Certified Workers’ Compensation Professional by the State Board of
Licenses I’ve held: Series 6, 63
Life and Health in GA
Variable Life and Variable Annuities