Summary
Overview
Work History
Education
Skills
Insurance Education
Languages
Timeline
Generic

Desiree Cordova

Denver

Summary

Results-driven underwriting professional with over 10 years of experience in life insurance and automated underwriting. Expertise in guideline development and process optimization, leading to enhanced operational efficiency. Proven ability to design automated underwriting rules and foster collaboration across teams. Skilled in data analysis and employee training, consistently achieving improved compliance in underwriting operations.

Overview

14
14
years of professional experience

Work History

Specialist, Underwriting - Life

NATIONWIDE
03.2023 - Current
  • Collaborate with underwriting leadership to establish HIV-handling guidelines.
  • Decision applications utilizing digital data to minimize expenses and processing time.
  • Accelerated new business applications with face amounts under $2 million.
  • Participate in ongoing training and compliance activities to ensure adherence.

Technical Underwriting Consultant

BESTOW
01.2021 - 12.2023
  • Cultivated carrier relationships to enhance collaboration and efficiency.
  • Managed the "Refer-to-Underwriting" reinsurance relationship, ensuring seamless communication.
  • Calibrated underwriting rules in partnership with external vendors to optimize processes.
  • Collaborated with Engineering and Data teams to drive application and rule enhancements.
  • Conducted audits on underwriting platform and reinsurance teams to ensure compliance.

Underwriting Automation & Technology Senior Consultant II

ALLSTATE
01.2018 - 12.2020
  • Designed and automated underwriting rules for life insurance applications.
  • Led comprehensive smoke, functional, and regression testing for product releases.
  • Planned and executed story-level tests to enhance software quality.
  • Collaborated with cross-functional teams to optimize operational processes.
  • Established best practices for risk management and compliance standards.

Intermediate Enhanced Underwriting Analyst

TRANSAMERICA
01.2016 - 12.2018
  • Developed comprehensive guidelines for automated underwriting processes.
  • Analyzed claims history to inform system design and enhance accuracy.
  • Studied underwriting trends to establish effective rules for underwriting system.
  • Contributed to creation of automated guidelines for Living Benefit Riders.

Specialist, Underwriting - Life

TRANSAMERICA
01.2015 - 12.2018
  • Reviewed applications with an authority limit of $3,000,000
  • Specialized in Puerto Rico/Spanish speaking applicants/agents and New York

Specialist, Underwriting - Life

STATE FARM
Greeley
01.2012 - 12.2015
  • Evaluated medical and financial risks for new business applications.
  • Functioned as a Kaizen subject matter expert to drive continuous improvement initiatives.

Education

Bachelor of Arts - Foreign Language, Literature and Culture - Spanish

Colorado State University
Fort Collins, Colorado

Skills

  • Underwriting rules design
  • Underwriting research
  • Guideline development
  • Rule testing
  • Data analysis
  • Employee training and onboarding
  • Process optimization

Insurance Education

  • ALU 101
  • ALU 201
  • FLMI Level 1

Languages

Spanish
Professional

Timeline

Specialist, Underwriting - Life

NATIONWIDE
03.2023 - Current

Technical Underwriting Consultant

BESTOW
01.2021 - 12.2023

Underwriting Automation & Technology Senior Consultant II

ALLSTATE
01.2018 - 12.2020

Intermediate Enhanced Underwriting Analyst

TRANSAMERICA
01.2016 - 12.2018

Specialist, Underwriting - Life

TRANSAMERICA
01.2015 - 12.2018

Specialist, Underwriting - Life

STATE FARM
01.2012 - 12.2015

Bachelor of Arts - Foreign Language, Literature and Culture - Spanish

Colorado State University

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Desiree Cordova