Rachel Goh
Summary
Experienced underwriter of 20 years in both insurance (10 years) and reinsurance (10 years). I am a detail-oriented team player with strong organizational skills who can work within team environments to achieve global business while handle multiple task simultaneously with a high degree of accuracy.
I'm equipped with technical skills to underwrite various type of products offering Protection, Total Permanent Disability, Critical Illness, Personal Accident and Health Products.
Current active role including new business underwriting & operation, policy servicing underwriting, retrospective claims assessment, client relationship support including client visit, training, reviewing guideline, product development for SEA countries and represent Asia offices as stakeholder of global initiatives.
Overview
20
20
years of professional experience
Work History
Senior Underwriter
General Reinsurance AG Singapore Branch
01.2013 - Current
- Holding position as Senior Underwriter with Underwriting authority of Life +300%EM up to USD 3m and with Claims authority up to USD 500k.
- Managing medical, financial and special risk underwriting for SEA countries and approval within the scope of assigned underwriting limits.
- Managing claim assessment and approval within the scope of assigned claim limits
- Conduct research on clients‘ needs, collect and consolidate data on underwriting and claims development from the SEA markets.
- Keep track of developments in the relevant markets to help establish solutions or opportunities with the marketing team.
- Assist the actuarial team to monitor portfolio experience and make recommendations for product design change.
- Reviewing cedants underwriting guideline in according to each market regulations.
- Participate in Global initiative/project - help company meet its strategic objective and taking ownership of appropriate deliverable. Now act as Stakeholder for Asia team for system enhancement for Underwriting and Claim segment.
- Skilled at working independently and collaboratively in a team environment.
- Self-motivated, with a strong sense of personal responsibility.
- Proven ability to learn quickly and adapt to new situations.
- Worked well in a team setting, providing support and guidance.
Manager
HSBC Insurance (S) Pte Ltd | Singapore
06.2009 - 12.2012
- Holding Senior underwriter role with authority of Life +150%EM for SA up to SGD 1m.
- Provide continuous training to subordinate by coaching, audit and motivate to be productive and engaged in work.
- Provide support to admin/data entry/policy servicing.
- Build rapport with different channels (bancassurance and agent) and handle underwriting related enquiries & appeals.
- Heavily involved in handling customer complaint, conduct investigation and service recovery.
- Accomplished multiple tasks within established timeframes.
Senior Underwriting Executive
NTUC Income
01.2008 - 05.2009
- Manage New Business Team operation (team of 5 members) which also personally involved in whole processing which involved in data entry, proofing(verification), underwriting, sending further requirement letter, conditional acceptance letter, issuing policy, generate payment listing and collate with ministry personnel.
- Underwriting: Access client risk profile by underwriting application for Affinity Scheme products which is Group Individual Policy - POGIS, NAGIS, CEGIS, HomeTeam NS, SAFRA and CO-PAY including appeal application.
- Work closely on system migration for Affinity Scheme which involving system enhancement.
- Monitor weekly-monthly service level for each product and report to head of section on service level.
- Record maintenance, update and verification with ministry/statutory board every month.
- Involved in premium adjustment which involved premium refund and recovering after verification done with all ministries.
- To provide good customer services by providing prompt, accurate and informative answer to policyholder and ministry's personnel.
- Handling customer complaint/feedback and provide necessary solution with action taken.
- Involved in roadshow with partner distribution to promote company products, mainly assist answering underwriting/medical related enquiries.
Specialist
Prudential Services Assurance, Malaysia
09.2003 - 12.2007
- Assisted with staff training to enforce quality, safety and sanitation guidelines.
- Assist Team manager to oversee and manage the underwriting portfolio providing services to agent and clients, such as: * Technical Consultation/Advice * Priority Services for Large Sum Insured, Premier Adviser, E-submission and Urgent cases referred by client, Spoke Singapore.
- Assist to study and review work process and workflow to improve productivity, efficiency and quality assurance.
- Assist to provide management information by compiling and analyzing daily statistics in own area as well to monitor, track, control and report team's progress.
- Monitor and maintain standard service level for all processing.
- Review and approves underwriting cases within own Underwriting Authority Limit and considers appeal cases.
- Recommend to Senior Underwriter on underwriting decision beyond own underwriting limit.
- Check and countersign cases underwritten by Underwriters beyond their authority limit.
- Reviews and approves cases for Policy Services.
- Provide continuous training to juniors - development of subordinate by coaching, checking of works etc.
- Assist to handles staff discipline, training, development and staff welfare in general.
Education
Bachelor of Science - Biomedical Sciences
Malaysia National University (UKM)
Malaysia04.2003
Skills
- Professional qualifications of Fellow of Life Management Institute (FLMI) & Fellow, Academy of Life Underwriting (FALU)
- Frequent user of Microsoft Office tools
- Writes proficiently in English, Bahasa Malaysia and Chinese
- Speaks fluently in English, Bahasa Malaysia, Mandarin, Hokkien, Cantonese
Additional Information
PERSONAL TRAITS AND ATTITUDE:
Have the desire to build a successful career in life insurance.
Strong interpersonal and communication skills.
Passion for continuous learning and personal growth with strong desire to excel.
Adaptable, flexible, dynamic, highly motivated and with a tenacity to persevere the challenges ahead.
Goal-oriented individual with leadership abilities.
Timeline
Senior Underwriter
General Reinsurance AG Singapore Branch
01.2013 - Current
Manager
HSBC Insurance (S) Pte Ltd | Singapore
06.2009 - 12.2012
Senior Underwriting Executive
NTUC Income
01.2008 - 05.2009
Specialist
Prudential Services Assurance, Malaysia
09.2003 - 12.2007
Bachelor of Science - Biomedical Sciences
Malaysia National University (UKM)
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