CARLA KLINOWSKI

11812 South Kedvale a Alsip, Illinois 60803 a cke81db0@westpost.net

708-228-4859(Cell) a 708-396-8911(Home)
Qualifications Profile
Highly motivated organized professional with proven ability to plan, resolve pro
blems, meet deadlines, manage teams, and reduce costs. Skills, strengths and kn
owledge are in the thorough understanding of insurance products and investments,
contract development, support roles for underwriting, rating procedures, propos
als (RFPs), and renewal preparation. Extensive experience in numerous financial
areas including calculations and analysis.

Professional Experience
UNICARE Life and Health Insurance Co., Chicago, Illinois; Contract Compliance Sp
ecialist Senior (2000 to 2010)
Recruited to produce legally compliant ASO and fully insured contracts, SPDs and
Certificates of Coverage using demonstrated knowledge and understanding of stat
e mandates, federal legislation, compliance/regulatory issues, PPO, HMO, Life, D
ental, Vision and Disability benefits.
Achievements:
a Working closely with team members a new contracts department was instituted by
setting policies, processes and procedures producing a highly efficient departm
ent resulting in timely turnaround of all documents of insurance.
a Analyzed and reviewed contracts with account managers, sales and legal to insu
re timely contract renewals.
a Although dollar savings were hard to measure, 20% productivity over approximat
ely 1 year time period was realized by identifying critical information to be us
ed for the transition from INTERLEAF to WORD.
a Trained and coached new hires on proper contract development resulting in incr
eased department efficiency and productivity.
a Analyzed benefit and language issues for discrepancies to ensure state and fed
eral legally contractual documents for timely delivery to the client resulting i
n improved customer satisfaction.
a Actively participated in operations strategy meetings for launch of new produc
t line and roll out to team members receiving impact award from Vice President o
f Operations.
a Volunteered for ambassador of newly formed Diversity and Workplace Culture tea
m by organizing ethic culture events resulting in the organization of a very exp
ansive cultural community
Lloydas of London, Chicago, Illinois; Policy/Compliance Analyst (2000 to 2000)
Hired to review Lloydas of London Underwriteras Illinois risk Policies for regul
atory and statutory compliance. Communicated with London Broker, Illinois Corre
spondent and Lloydas Policy Signing Office to resolve internal and external issu
es. Prepared Documents of Insurance as outlined in the Brokers Cover Note to ad
here to Illinois statutory and regulatory requirements.
Prudential Insurance Company, Willow Springs, Illinois; Financial Services Assoc
iate (1999 to 2000)
Responsible for prospecting, scheduling, presentations, and sale of products. M
aintained extensive Client Data Base System and Illustrations System for process
ing insurance and investment applications.
Achievements:
a Through self study, successfully completed State of Illinois licensing in Life
, Health, and Property and Casualty (Series 6 and 66).
a Completed Financial Services Associate Training Program.

United HealthCare, Matteson, Illinois; Contract Analyst (1998 to 1999)

Hired to produce legally compliant contracts and summary plan documents using de
monstrated knowledge and understanding of state and federal statutes and complia
nce/regulatory issues.
Achievements:
a Promoted customer satisfaction in assigned caseloads as an integral part of th
e Account Management Team.
a Researched and analyzed contract issues that accelerated team and customer sat
isfaction.
a Spearhead a team to collect information and organize data resulting in higher
quality contract administration.
a Audited documents for grammatical errors prior to customer review to insure le
gal conformity and ensure customer satisfaction.
Prudential HealthCare, Chicago, Illinois; Account Underwriting Technician (1994
to 1998)
Held various positions related to Underwriting and Rate Calculation to define be
nefit rates and company defined plans. Developed data analysis procedures and r
eporting systems to support department initiatives and corporate objectives. Te
amed with Underwriters, Marketing, Account Management, and Sales Representatives
to ensure synergy with all related company departments.
Achievements:
a Designed and implemented new rating request form increasing Underwriting produ
ctivity.
a Recommended and initiated new procedures that tracked performance guarantees a
lleviating miscommunication of information.
a Interviewed and trained team members on system procedures improving morale and
improving efficiency and productivity.
a Instituted new rate calculation system eliminating errors and optimizing rate
processing between Underwriting, Account Management and Sales.
a Designed new workflow process simplifying communication between Underwriting a
nd Account Management increasing efficiency and productivity.
a Interviewed, trained and coached new administrative assistants on procedures a
nd responsibilities effecting quality and department productivity.

Education & Professional Development

Moraine Valley Community College; Palos Hills, Illinois, Courses included Algebr
a, Psychology, Sociology, English, Spanish and Computer Basics (Database, WordPe
rfect and Lotus)
Continuing Education: Financial Services Associate Training, Licensing in the S
tate of Illinois in Life Health and Property & Casualty, HIA designation studies
Computer Skills: Proficient with Windows XP, Word, Excel, Outlook, Power Point,
Access, dBase, Adobe, Client Data Base, Interleaf, and numerous company related
Mainframe Applications.

Personal Accomplishments
Actively involved in community volunteering for Misericordia Home and Knights of
Columbus.