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Cynthia Teresa Harris Home 510-636-9108 00 Cell ch6004fc@westpost.

net

523 Mitchell Avenue, San Leandro, CA 94577 510-909-68

Underwriter with over 10 years' underwriting, supervisory and management experie nce in personal, commercial, and reinsurance underwriting. Analytical, detail an d results oriented, with a proven record of accomplishment to help grow the busi ness. MAJOR CONTRIBUTIONS AND EXPERIENCE Managed and underwrote a $15,000,000. book of business. Have 10+ years of Property and Casualty experience. Written and published underwriting guidelines to achieve product strategy, and d rafted changes in policy language to comply with regulatory requirements. Performed analysis of legislative and statutory regulations. Managed business process initiatives. SELECTED ACCOMPLISHMENTS Analyzed and recommended coverage changes and/or additional coverage's to an exi sting $6,000,000 book of business and to new submissions. Results: Increased pre miums by $300,000. Directed synergistic staff of six and implemented new direction. Results: Excee ded forecasted year-end book of business growth. Team was rewarded the largest b onuses in the division. Hired and managed a team of six that traveled to three major national branches. Results: Within a month at each location, new business and renewal submissions w ere current and backlog eliminated or greatly reduced. Analyzed and reviewed the new business process. Results: Instituted a new proc ess, which saved the company time and money by eliminating redundancy. Reviewed and analyzed all vendor contracts to ensure terms and conditions were m et; negotiated payments that were based on products that were produced. Results: Reduced vendor payments by 10%. WORK HISTORY Sr. Underwriter Analyst, (Contractor) GeoVera - Fairfield, CA 8 months Underwriter, A. J. Gallagher - San F rancisco, CA 1 yea r 4 months Underwriter Associate, Chubb Insurance Company - Pleasanton, CA 1 year 6 months Business Analyst, Underwriting Services, CSAA - San Francisco, CA 4 years 2 months Director of Operations, Allen Temple Baptist Church - Oakland, CA 2 years Operations Manager, San Francisco Reinsurance - San Francisco, CA 3 years Facultative Property Manager, San Francisco Reinsurance - Chicago, IL 9 years Commercial Lines Manager, Reliance Insurance Company - Rolling Meadows, IL

3 years TECHNICAL SKILLS MS Office, Project Management, Visio, QuickBooks, Lexis/Westlaw, SOX and the Yel low Book EDUCATION B.A. - George Williams College-Downers Grove, IL Paralegal Certificate- St. Mary's College-Moraga, CA Fire, Casualty, Life, & Health License Member Project Management Institute (PMI) Certified Tax Preparer ADDENDUM - DETAILED PROFESSIONAL EXPERIENCE GeoVera Insurance - Fairfield, CA Contractor- Sr. Insurance Analyst 2008-2009

**Analyzed competitive contracts for residential products that pertained to the excess and surplus personal lines property business. Contracts included CA eart hquake, FL, LA, and TX coastal, and barrier areas for wind. A. J. Gallagher - San Francisco, CA 2006-2008 Underwriter *Underwrote new and renewal risks by evaluating all risk characteristics, rate a dequacy, and price. *Underwrote those requests within guidelines and authority limits. *Reviewed risk submission from agents within a territory encompassing 14 Western states including Northern California. *Oversaw profitable production and retention of assigned book of business, inclu ding property, liability, umbrella, auto, workers compensation, professional lia bility, sexual abuse, and social services professional. *Account size ranged to $300,000. *Managed an underwriting territory that required periodic travel to support agen t production and underwriting department requirements. Chubb Insurance Company - Pleasanton, CA 2005-2006 Underwriter Associate-Technology Insurance Specialty *Underwrote all renewal accounts, analyzed account information, identified and a ssessed exposures for each risk. *Made underwriting recommendations. *Developed information and recommendations based on risk acceptability used as t he basis for renewal strategy. *Determined pricing strategy, and coordinated the renewal process including cros s selling. *Core knowledge of product specific coverage, policy forms, pricing tools, and r egulatory compliance. *Provided all rating and issuance instructions including appropriate forms, cove rage's and final premium. *Largest account size was $1,200,000. This included property, general liability , auto, umbrella, workers compensation, and E&O. California State Automobile Assoc. - San Francisco, CA 003 1999-2

Business Analyst, Underwriting Services *Led a team responsible for evaluating and analyzing competitive products includ ing the statutory and regulatory laws required for the purpose of expansion covering a six state territory including coverage and forms analysis. *Participated in setting up focus groups and analyzed their comments regarding the expansion and the groups relevant thoughts and valid statements for this exp ansion. *Analyzed introduced/proposed laws to determine impact on underwriting operation s, drafted policy contracts and applications to comply with regulatory requireme nts. *Developed communication releases, and coordinated the dissemination of informat ion within Underwriting Services, district offices, business partners, and consu mers. *Assumed the role and responsibilities of a Team Lead or Project Team member uti lizing project management concepts, tools, and techniques in division projects o r initiatives. *Analyzed and resolved processing discrepancies, was a subject matter expert on procedural issues, PAC member that reviewed legislation that could potentially a ffect the insurance industry. *Managed and maintained vendor relations, identified outsourced service provider s, responsible for contract renewals, pricing, and negotiations, monitored servi ce levels, expenses, and customer satisfaction. *Liaison between CSAA and vendors to ensure that service, pricing, terms, and ot her contractual agreements were clearly represented and enforced via contract te rms and/or service agreements, assessed service levels and expenses, and maintai ned an awareness of policies, procedures, and workflows in the functional busine ss areas. *Analyzed, developed and designed templates and process to communicate changes a nd procedures to Sales Representatives, Member Service Centers, Area Sales Direc tors, and Underwriting. *Analyzed current compliance processes, and provided guidance to managers and th eir staff. *Helped to identify requirements with which the organization must comply and ass isted with the implementation of innovative solutions to address compliance gaps . Allen Temple Baptist Church - Oakland, CA 1997-1999 Director of Operations *Managed staff of 12, which consisted of administrative, payroll, bookkeepers, a ssistants, and maintenance. Organized weekly staff meetings and staff training a s needed. *Managed and oversaw all financial functions. Monitored and maintained all insu rance policies. *Screened all new hires and managed personnel files and functions, including pay roll. *Supervised all administrative staff and bookkeepers. *Developed and maintained a Standard Operations Procedure Manual and reviewed an d updated Personnel manual on an as needed basis. Self-Employed Paralegal - Oakland, CA 1993-1997

*Provided administrative support to the General Counsel of A. C. Transit. *Assisted with reviewing and drafting of correspondence, reports, and other lega l documents. *Researched applicable laws and regulations, assisted in the perfo rmance of due diligence in connection with transactions, completed the review, d rafting and revising of corporate documents. San Francisco Reinsurance - San Francisco, CA 198

0-1992 Operations Manager

(1989-1992)

*Developed and wrote the reinsurance and procedural training manual. *Conducted field audits to ensure consistent and timely processes throughout the company, monitored operations to assure compliance with regulatory and internal policies, developed and managed the department, including training, coaching, r ecruiting, conducting performance reviews, and other departmental activities. *Provided presentations to internal groups regarding audit or regulatory trends, procedures for audit responses and other compliance related topics as needed. *Assessed the feasibility of opening an additional office in Los Angeles. Develo ped revenue forecast; researched and analyzed resulting issues of staffing, and territory area. *Coordinated and implemented procedures with accounting, claims, and the systems department, including data mapping for the implementation of new processes. *Coordinated, assigned, and conducted audits of internal systems. Developed spec ific audit plans, led, and independently performed compliance audits and provide d expert guidance for resolution of audit findings. *Provide presentations to internal groups regarding audit or regulatory trends, procedures for audit responses and other compliance related topics as needed Facultative Property Manager - Chicago, IL (1980-1989) *Managed, marketed, and underwrote a $15+ million book of business for a twentyone state territory. *Managed and trained a staff of 10 that included underwriters and support staff, referral authority for field office underwriters. *Conducted underwriting and procedural audits, forecasted, prepared, and impleme nted division budget, developed procedures for the processing of semi-automati c business, developed and managed the department, including coaching, recruiting , mentoring, conducting performance reviews, and management of staff, which incl uded the staffing, termination, and various departmental activities. *Prepared documentation of audit observations and provided guidance for the deve lopment and completion of risk mitigation strategies. During audits, identified compliance risks and reported findings to appropriate management. Reliance Insurance Company - Rolling Meadows, IL 1977-1980 Commercial Lines Manager *Managed a staff of eight property and casualty underwriters and support staff, developed and managed the department, including teaching, coaching, recruiting , mentoring, and conducting performance reviews, which included staffing, term ination, and various departmental activities. *Assigned underwriting authority, prepared production objectives, and monitored results, underwrote and marketed the agency and brokerage plant within the terri tory, forecasted, prepared, and implemented the division budget, conducted under writing and procedural audits, assisted branches with underwriting backlogs with in the South, East, and Midwest territory. ADDENDUM- CERTIFICATES AND AWARDS PROBLEM ANALYSIS AND DECISION MAKING NEGOTIATION: PUTTING THE PIECES TOGETHER HOW TO MANAGE MULTIPLE PROJECTS, MEET DEADLINES, AND ACHIEVE OBJECTIVES PROPERTY AND CASUALTY INSURANCE PRODUCT MANAGEMENT SKILLS & TECHNIQUES UNDERWRITING SERVICES STATE EXPANSION TEAM A SYSTEMATIC APPROACH TO THE TRANSFER OF LEARNING THE MANAGEMENT PROGRAM BUSINESS WRITING BASICS FOR PROFESSIONALS PROJECT MANAGEMENT FUNDAMENTALS