Summary
Overview
Work History
Skills
Certification
Timeline
Generic

Christina Schulte

Toronto,ON

Summary

Dedicated and adaptable professional with a proactive attitude and the ability to learn quickly. Strong work ethic and effective communication skills. Eager to contribute to a dynamic team and support organizational goals.

Overview

23
23
years of professional experience
1
1
Certification

Work History

Claims Advisor

TD Insurance
Toronto, Ontario
05.2020 - Current
  • Processed incoming mail, emails and telephone calls relating to claims.
  • Advised claimants on the best course of action based on policies and procedures.
  • Provided advice on the claims process, including policy coverage and benefits.
  • Researched complex cases using appropriate resources.
  • Drafted correspondence for customers regarding their claim status or decisions made about their claim.
  • Assessed claims to determine eligibility and verify accuracy of information provided by customers.
  • Investigated, analysed and resolved customer complaints regarding claims.
  • Prepared detailed reports on claim investigations, decisions and outcomes for management review.
  • Determined liability, compensability, and benefits due on each claim.
  • Delivered exceptional customer service to clients by communicating information and actively listening to concerns.
  • Verified liability extent with reviews of police reports, medical treatment histories and other records.
  • Investigated potentially fraudulent claims with focus on thoroughness, quality, and cost control.
  • Input claim information and payments into company database.

Universal Claim Advisor

TD Insurance
Toronto, Ontario
01.2019 - 05.2020
  • Maintained accurate records of all activities related to each claim including notes from conversations with claimants, witnesses, appraisers.
  • Analyzed police reports, medical records, witness statements, photographs, and other evidence to determine claim validity.
  • Communicated regularly with clients via telephone or email regarding their total loss claims.
  • Investigated and documented liability, coverage, and damages related to total loss claims.
  • Reviewed estimates prepared by appraisers or auto body shops regarding the cost of repairs to vehicles involved in total loss claims.
  • Negotiated settlements between claimants and insurers while ensuring fair compensation was provided in a timely manner.
  • Interviewed and spoke with specialists, witnesses, agents and claimants to record incident information.
  • Utilized claims software and databases for tracking and managing active claims.
  • Analyzed claim trends to identify potential fraud and took appropriate investigative actions.
  • Reviewed and interpreted police reports and witness statements to establish facts of claims.
  • Provided exceptional customer service, addressing concerns and questions promptly.
  • Investigated auto accident claims to determine liability and coverage.
  • Evaluated claims for possible fraud, contacting appropriate department for assistance and further investigation.
  • Managed heavy workload of ongoing cases thanks to strong organizational, time management, and collaboration skills.

Claims Adjuster

TD Insurance
Torototo, Ontario
09.2016 - 01.2019

Senior Claims Adjudicator, Investments

Empire Life
Kingston, Ontario
12.2015 - 08.2016

Intermediate Claims Adjudicator

Empire Life
Kingston, Ontario
08.2001 - 12.2015
  • Reviewed and evaluated applications for life insurance policies to determine risk factors.
  • Reviewed customer claims, identified discrepancies and determined appropriate course of action.
  • Verified documents to ensure accuracy of information provided by customers.
  • Assessed medical records for coverage eligibility and benefit accuracy.
  • Investigated fraudulent claims by gathering evidence from various sources.
  • Interpreted policy provisions to determine the extent of the company's liability.
  • Communicated with policyholders to explain claims processes, coverage, and decisions.
  • Assisted in the development and implementation of claims procedures to improve efficiency.
  • Conducted training sessions for new hires on claims processing and company protocols.
  • Reviewed and processed insurance claims following company procedures and industry regulations.
  • Gathered proper documentation and data to prepare claims for submission.
  • Supported policyholders through the claims process, providing exceptional customer service.
  • Investigated potentially fraudulent claims with focus on thoroughness, quality, and cost control.
  • Delivered exceptional customer service to clients by communicating information and actively listening to concerns.

Skills

  • Policy Interpretation
  • Insurance knowledge
  • Claims Investigation
  • Claims Processing
  • Claims Evaluation
  • File and Record Management
  • Coverage Assessment
  • Relationship Building
  • Decision-Making
  • Client Interviewing
  • Policy investigations
  • Team Collaboration
  • Active Listening
  • Critical Thinking
  • Organizational Skills
  • Policy analysis
  • Analytical Thinking
  • Problem-Solving
  • Effective Communication
  • Professionalism
  • Fraud identification
  • Attention to Detail
  • Analytical Skills
  • Written Communication
  • Interpersonal Communication
  • Time management abilities
  • Problem-solving abilities
  • Insurance fraud expertise
  • Human relations
  • Excellent Communication

Certification

  • Associate of Life and Health Claims (ALHC)
  • Associate Customer Service (ACS)

Timeline

Claims Advisor

TD Insurance
05.2020 - Current

Universal Claim Advisor

TD Insurance
01.2019 - 05.2020

Claims Adjuster

TD Insurance
09.2016 - 01.2019

Senior Claims Adjudicator, Investments

Empire Life
12.2015 - 08.2016

Intermediate Claims Adjudicator

Empire Life
08.2001 - 12.2015
  • Associate of Life and Health Claims (ALHC)
  • Associate Customer Service (ACS)
Christina Schulte