Annmarie Balgobin
Brampton,ON
Summary
Insurance professional with 13+ years of experience across underwriting, insurance administration, claims, and advisory roles with leading Canadian insurers including RBC Insurance, Intact, and CAA Insurance. Strong background in policy administration, data validation, documentation control, risk analysis, regulatory compliance, and high-volume operational processing. Experienced in reviewing complex policy information, identifying discrepancies, maintaining accurate records, and ensuring transactions are completed accurately and within service-level standards. Demonstrated ability to quickly understand business processes and systems, manage competing priorities independently, and collaborate effectively with business partners and cross-functional teams. Advanced working knowledge of Microsoft Excel, Word, and PowerPoint, with a strong focus on data integrity, operational accuracy, process adherence, and continuous improvement.
Overview
14
14
years of professional experience
Work History
Personal Lines Underwriter
CAA Insurance Company
Thornhill, Ontario
01.2023 - Current
- Perform detailed administration and review of personal lines insurance business, ensuring policy transactions, renewals, endorsements, coverage details, and supporting documentation are complete and accurate.
- Validate policy data and endorsements against underwriting guidelines, regulatory requirements, and internal quality standards.
- Maintained a 95% underwriting audit score across applicable lines of business through consistent attention to data accuracy, documentation, and quality controls.
- Analyze policy and risk information to identify discrepancies, exceptions, and potential issues requiring clarification or escalation.
- Managed high-volume workload, consistently meeting service-level and compliance requirements, contributing to overall operational efficiency.
- Review and maintain policy information across internal systems, ensuring accurate and timely processing of transactions.
- Collaborated with brokers, claims teams, underwriting partners, and internal stakeholders to resolve data discrepancies, enhancing accuracy of policy administration.
- Apply established procedures and guidelines to ensure consistent processing and appropriate documentation of insurance transactions.
- Supported operational workflows through disciplined prioritization and follow-up, facilitating timely issue resolution and process continuity.
- Participated in inbound phone queues, providing clear and accurate information to internal and external stakeholders.
- Adhere to weekly production, quality, and compliance measures established by leadership.
Auto Telephone Adjuster
Intact Insurance
Mississauga, Ontario
01.2022 - 01.2023
- Administered routine and moderately complex automobile physical damage claims while ensuring accurate, timely, and equitable processing in accordance with corporate policies and procedures.
- Reviewed policy information, coverage details, damage assessments, and supporting documentation to ensure accurate claim handling and optimal settlement outcomes.
- Analyzed information obtained from insureds, witnesses, and other sources to assess liability and support accurate claim decisions.
- Maintained accurate claim records and documentation throughout the investigation and settlement process.
- Identified discrepancies and obtained additional information to support accurate claim administration.
- Managed multiple files and competing priorities, ensuring adherence to service standards and timely follow-up on claims.
- Collaborated with claims team members and internal stakeholders to resolve issues and enhance client service efficiency.
- Applied established procedures, policies, and guidelines consistently within a regulated insurance environment.
Inbound Licensed Insurance Advisor
RBC Insurance
Mississauga, Ontario
01.2017 - 04.2022
- Administered a broad range of personal insurance transactions in a high-volume environment, including policy changes, renewals, coverage updates, and client requests.
- Reviewed policy and risk information to support front-line underwriting decisions and ensure accurate policy administration.
- Maintained detailed and accurate records across internal systems, ensuring data integrity and completeness.
- Conducted needs and risk assessments and analyzed client information to determine appropriate insurance solutions.
- Processed policy renewals and changes in accordance with internal procedures, underwriting guidelines, and regulatory requirements.
- Identified and resolved policy discrepancies and documentation issues while ensuring timely follow-up and completion.
- Managed competing priorities in a high-volume operational environment while consistently meeting productivity, quality, and service standards.
- Worked collaboratively with internal business partners to resolve client and policy administration issues.
- Applied strong analytical and problem-solving skills to interpret policy information, identify appropriate solutions, and resolve complex client inquiries.
- Maintained confidentiality and exercised sound judgment when handling sensitive client and insurance information.
- Supported process efficiency by following established procedures and identifying opportunities to simplify and improve workflows.
- Demonstrated strong communication skills when working with clients, internal partners, and stakeholders across different levels of the organization.
- Consistently maintained compliance with RBC policies, procedures, insurance regulations, and established quality standards.
Outbound License Insurance Advisor
RBC Insurance
Mississauga, Ontario
12.2013 - 01.2017
- Supported both inbound and outbound insurance service requirements within a high-volume advice centre environment.
- Maintained accurate client and policy information while following established procedures and documentation standards.
- Reviewed customer and policy information to support appropriate product positioning, cross-selling, and referrals.
- Used internal systems and tools to research information, compare insurance offerings, and provide accurate guidance.
- Applied strong attention to detail when documenting client interactions and communicating insurance advice.
- Followed detailed procedures, policies, and controls to ensure accuracy and consistency in client and policy administration.
- Collaborated with internal RBC business groups to support client needs and facilitate appropriate referrals.
- Managed multiple priorities while maintaining professional communication and service standards.
Team Leader
D&A Collections
Mississauga, Ontario
11.2012 - 12.2013
- Led a team of 11 specialists in a high-volume operational environment, overseeing daily workflows, quality standards, and adherence to regulatory and risk-management requirements.
- Reviewed and interpreted operational and financial data to support credit risk management, revenue objectives, and business decisions.
- Monitored performance metrics and identified trends, gaps, and opportunities for process improvement.
- Conducted root-cause analysis and developed action plans to address operational issues and improve efficiency.
- Supported process reengineering and optimization initiatives designed to improve workflow effectiveness and reduce operational inefficiencies.
- Maintained strong documentation and quality controls while ensuring team adherence to established policies and procedures.
- Built effective relationships across business groups to resolve issues and support operational objectives.
- Managed competing priorities while maintaining service, quality, compliance, and productivity expectations.
Education
Chartered Insurance Professional (CIP) Designation
Toronto, ON06-2026
Skills
- Insurance Administration & Policy Processing
- Data Analysis, Validation & Reconciliation
- Documentation & File Maintenance
- Operational Controls & Quality Assurance
- Reporting & Data Integrity
- Workflow & SLA Management
- Regulatory & Guideline Compliance
- Risk Assessment & Insurance Analysis
- Process & Procedure Adherence
- Issue Identification & Escalation
- Cross-Functional Collaboration
- Problem Solving & Critical Thinking
- Microsoft Excel, Word & PowerPoint
- Customer & Internal Client Service
Technical Skills
- Microsoft Excel
- Microsoft Word
- Microsoft PowerPoint
- Insurance Policy Administration Systems
- Data Validation & Documentation
- Reporting & Operational Tracking
- Data Integrity & Quality Assurance
- High-Volume Workflow Management
Additional Information
- 13+ years of Canadian insurance industry experience
- Extensive experience within RBC Insurance
- Strong understanding of insurance policy administration, underwriting, claims, and regulatory requirements
- Experienced working with sensitive and confidential client information
- Strong written and verbal communication skills
- Excellent organizational skills with demonstrated ability to work independently and collaboratively
Timeline
Personal Lines Underwriter
CAA Insurance Company
01.2023 - Current
Auto Telephone Adjuster
Intact Insurance
01.2022 - 01.2023
Inbound Licensed Insurance Advisor
RBC Insurance
01.2017 - 04.2022
Outbound License Insurance Advisor
RBC Insurance
12.2013 - 01.2017
Team Leader
D&A Collections
11.2012 - 12.2013
Chartered Insurance Professional (CIP) Designation