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 Expert  729094

Expert in Life and Health Insurance Financial Analysis, Product Development, Ratings Management


Available for your Consulting and Expert Witness Needs

Pennsylvania (PA)
USA
Education Work History Career AccomplishmentsPublicationsConsulting Services Expert Witness Market Research

Summary of Expertise:

Listed with other top experts in: 

Expert developed a wide understanding of health and life insurance companies' business strategies, operations and profitability during her 11 years of experience at rating agencies. She was an active voting member of committees for assigning insurance debt and financial strength ratings.

During the rating interview, Expert's special insights into crucial information caused several companies in her portfolio to be upgraded. These skills proved highly applicable when Expert managed the rating process for a subsequent employer. She created objective-targeted guidelines for presentations by the company's senior management team and edited them, supervised the production of a manual covering narratives, financial exhibits and forecasts and coordinated the annual review. The result was a greatly-improved rating process and the preservation of the rating through difficult times for the company.

Expert has managed successfully financial analyses targeted at improving profitability, written reports recommending solutions for control and growth, currently being implemented. Analyses include: 1. Corporate medical claims costs, their sources and drivers of their growth 2. Financial analysis of company position relative to competitors covering member and premium growth, claims and administrative costs, profitability and reserve adequacy. 3. Benchmarking operating expenses through comparisons with peer group. Conclusions served as basis for defining accountability for senior management, budgeting and cost reduction initiatives.

Product development included assessing market size, feasibility of profitable underwriting and marketing options and leading the development team. Results were a successful launch of a major product.

As Assistant Vice President, Expert supported the largest revenue base of all analyst units; enabling the highest revenue growth rate by adding 6 new accounts and increasing penetration of 10 accounts without adding personnel Supervisory duties included building in-depth analytical skills into analyst staff of four – top team in the division - defining analyst skill set development, implementing production procedures and introducing standard guidelines to improve focus, quality and timeliness of analyses for committee presentations, reports and publications.

Expert has managed client company relationships, issued credit ratings for life and health insurance companies and promoted credit ratings to a large banking institution. Expert created a detailed business plan for development of the hospital rating business. She developed hospital debt rating methodology and issued ratings on 15 hospitals. She published timely industry reports on developments affecting ratings. She responded to media and investor enquiries and was a frequent presenter at national industry conferences - SOA, AHIP, LIMRA, Health Plan Alliance, Review-Preview.

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corporate finance

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financial modeling

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health care plan

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health insurance

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insurance

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profitability

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health care cost control

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health care finance


Show Secondary and Basic Areas of Expertise
Localities:
Expert may consult nationally and internationally, and is also local to the following cities: New York, New York;  Yonkers, New York;  Newark, New Jersey;  Jersey City, New Jersey;  Paterson, New Jersey;  Elizabeth, New Jersey;  Trenton, New Jersey;  Philadelphia, Pennsylvania;  Allentown, Pennsylvania;  and Stamford, Connecticut.

Education:
Year   Degree   Subject   Institution  
1986   MM (same as MBA)   Finance, Management   Kellogg Graduate School of Management, Northwestern University, IL  

Work History:
Years   Employer   Department   Title   Responsibilities

2010 to

 

(Undisclosed)

 


 

Independent Consultant

 

Expert is currently seeking consulting assignments in Financial Analysis, Business Strategy, Business Development, Capital Management for Life & Health Insurance Companies, Hospitals, Physicians, Employee Benefit Consultants and Managers.

2006 to 2010

 

Capital BlueCross

 

Finance

 

Sr. Business Development Specialist

 

Expert has managed successfully financial analyses targeted at improving profitability, written reports recommending solutions for control and growth, currently being implemented. Topics addressed are: 1. Corporate medical claims costs, their sources and drivers of their growth 2. Financial analysis of company position relative to competitors covering member and premium growth, claims and administrative costs, profitability and reserve adequacy. 3. Benchmarking operating expenses through comparisons with peer group. Conclusions served as basis for defining accountability for senior management, budgeting and cost reduction initiatives. Product development included assessing market size, feasibility of profitable underwriting and marketing options and leading the development team. Expert managed the regulatory filing process for the company's HMO and managed care subsidiary Expert managed the company's rating relationship with the leading health insurance rating agency in the US

1999 to 2006

 

A. M. Best Company

 

Ratings Division

 

Assistant Vice-President

 

As Assistant Vice President, Health, Expert supervised 4 senior ratings analysts and together with them she managed the issuance of financial strength and credit ratings to 50 -70 large and small health insurers. She trained analysts, building in-depth skills. Expert wrote and edited industry reports and made presentations at industry conferences. She participated in organizing the annual industry conference sponsored by the company Expert marketed the company's rating services to an international banking system Expert initiated the development of hospital ratings, a new business line. Expert developed a business plan, wrote the rating methodology and managed the rating process with one analyst. Prior to her promotion, Expert was a senior analyst analyzing Life insurance companies

1995 to 1999

 

Fitch Ratings

 

Life health Division

 

Assistant Vice President

 

Expert was a senior analyst, following large life and health insurance companies. She rated their credit worthiness and wrote analytical reports


Career Accomplishments:
Associations/Societies

CFA, MHP, CEBS

Chartered Financial Analyst, Managed Healthcare Professional, Certified Employee Benefit Specialist

Licenses/Certifications

CFA, MHP, CEBS


Publications:
Publications and Patents Summary

Published industry reports while at A. M. Best


Consulting Services:
Selected Consulting Examples:
  • As holder of staff level positions, Expert provided consultative services to various areas within the company. At Capital BlueCross, provided consultative advice on gathering data for the expense management study.
  • At Cap Gemini Ernst & Young (1993-1995), Expert responded to RFPs and developed a reengineering plan for a research and development facility. As part of the Y2K project, Expert examined sections of code to identify dates for update.
Click the green button above to contact Expert for a free initial screening call regarding your expert consulting needs.  Expert is available for consulting to corporate, legal and government clients.  Remember, your initial screening call to speak with Expert is free.

Expert Witness:
Click the green button above to contact Expert for a free initial screening call regarding expert testimony, litigation consulting and support, forensic services, or any related expert witness services.  A few litigation needs include product liability, personal injury, economic loss, intellectual property (patent, trademark, trade secret, copyright), and insurance matters.  Remember, your initial screening call to speak with Expert is free.

Market Research:
Expert has derived excellent industry insights into the health and life insurance companies through over 15 years of experience in following these companies. Expert can quickly develop the big picture and identify strengths and weaknesses and define a strategy for managing challenges within the constraints and opportunities of the business environment. This can be especially useful for health insurance as it navigated healthcare reform.

Click the green button above to contact Expert for a free initial screening call regarding your marketing research, industry research, and company research needs.  For research needs involving multiple experts or secondary research, a Research Director can be assigned to coordinate the work into a custom report for you as a potentially quicker and more cost effective alternative to doing this work yourself or hiring a boutique consultancy.  Remember, your initial screening call to speak with Expert is free.

Additional Skills and Services:
Training/Seminars

Expert provided on-the-job as well as classroom training to senior level analysts as part of their continuing education. The courses covered life and health insurance industry developments, identifying drivers of company strength and various methodologies. Expert presented at industry conferences. Topics included health and life industry developments and drivers of company profitability and growth.

Supplier and Vendor Location and Selection

Expert participated in the selection of an investment management system based on her knowledge of user needs. She served as business analyst in the development of a back end relational data for quick queries for investment decision making

Other Skills and Services

Expert has a track record of successfully investigating a problem, determining its cause and devising solutions.


 

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