Karen Lozier
Clovis
Summary
Dynamic leader with extensive experience in quality assurance and operations management. Proven track record in mentoring teams, driving process improvements, and fostering collaboration across cross-functional teams to enhance customer satisfaction and operational excellence. Strong Multi-Peril and Private product understanding, with the ability to find solutions to challenges presented.
Overview
27
27
years of professional experience
1
1
Certification
Work History
Quality Assurance Analyst, AVP
Zurich American Insurance/RCIS
04.2025 - 02.2026
- Participated in daily stand-up meetings to discuss project progress and challenges faced.
- Reviewed and analyzed system changes to assess potential impacts on existing functionality.
- Mentored and coached team members on QA topics and strategies.
- Participated in regular meetings with cross-functional teams to discuss progress updates, communicate concerns or challenges, and ensure alignment of project goals.
- Maintained comprehensive knowledge of relevant industry regulations and standards, ensuring compliance throughout the QA process.
- Supported company in maintaining work environment focused on quality, communication, collaboration, integration, and teamwork.
Regional Operations Manager, AVP
Zurich American Insurance/RCIS
08.2009 - 04.2025
- Streamlined regional operations by implementing process improvements, enhancing efficiency and reducing operational costs.
- Led cross-functional teams to execute strategic initiatives, driving alignment with organizational goals.
- Developed and monitored key performance indicators, ensuring operational excellence across multiple regions.
- Managed vendor relationships to optimize service delivery and negotiate favorable contracts for improved outcomes.
- Conducted training programs for staff to enhance skills and ensure compliance with industry regulations and standards.
- Collaborated with senior leadership to develop long-term strategies that align with organizational growth objectives.
- Coordinated with other regional managers to share best practices, streamline processes, and improve overall organizational effectiveness.
- Enhanced customer satisfaction through effective communication and problem-solving strategies.
- Collaborated with sales teams to develop strategies for increasing market share and revenue growth.
- Traveled through 9 western states to collaborate with customers and perform reviews of individual insurance books of business, both Private offerings and Multiple Peril Crop Insurance (MPCI).
- Managed a team of diverse employees, fostering a positive work environment that encouraged collaboration and professional growth.
- Analyzed performance metrics to identify areas for improvement and implement necessary changes.
- Enforced compliance with local, state and federal regulations and company standards.
- Developed strong relationships with key stakeholders, ensuring continued business success.
- Oversaw successful integration of newly acquired businesses into region's operations.
- Developed comprehensive risk management strategies to protect company's assets and reputation.
- Enhanced team productivity and morale with targeted leadership development programs.
- Reported issues to higher management with great detail.
- Recruited, hired, and trained initial personnel, working to establish key internal functions and outline scope of positions for new organization.
- Interacted well with customers to build connections and nurture relationships.
- Cultivated and strengthened lasting client relationships using strong issue resolution and dynamic communication skills.
- Observed each employee's individual strengths and initiated mentoring program to improve areas of weakness.
Regional Underwriting Manager
Zurich American Insurance, RCIS
10.1998 - 09.2005
- Led regional underwriting team, enhancing risk assessment processes for improved decision-making.
- Developed and implemented training programs to elevate underwriting standards across multiple regions.
- Collaborated with cross-functional teams to streamline workflow, reducing turnaround times for policy approvals.
- Oversaw compliance initiatives, ensuring adherence to regulatory requirements and internal guidelines.
- Spearheaded strategic initiatives focused on expanding market presence and increasing profitability in targeted areas.
- Evaluated complex insurance applications, applying expert judgment to mitigate risks and enhance client satisfaction.
- Improved underwriting efficiency by streamlining processes and implementing automation tools.
- Implemented ongoing quality assurance measures for continuous improvement within the underwriting department.
- Successfully managed a diverse portfolio of accounts, balancing risk exposure with profitability targets.
- Facilitated knowledge sharing among team members, fostering a culture of continued learning and professional growth within the department.
- Developed and maintained strong relationships with brokers, leading to increased business opportunities.
- Participated in industry conferences and seminars, staying current on emerging trends and technologies impacting the field of underwriting management.
- Enhanced customer satisfaction through timely communication and exceptional service delivery.
- Conducted regular performance evaluations for team members, providing constructive feedback for improvement.
- Oversaw the development of new policies that catered to specific regional needs while adhering to national guidelines.
- Led a team of underwriters in achieving corporate goals, fostering a collaborative work environment.
- Reduced turnaround time for policy approvals with thorough risk evaluation and prompt decisionmaking.
- Maintained compliance with regulatory requirements through diligent documentation and reporting procedures.
- Utilized knowledge of insurance principles, policies and procedures to make decisions on risk assessment.
- Developed and implemented underwriting policies and procedures, establishing useful and accurate processing of applications.
- Monitored underwriting teams' performance and provided mentoring to achieve personal and department production goals.
- Met with customers, agents and brokers to negotiate coverage, price, and service delivery.
- Collaborated with other professionals to develop innovative underwriting solutions.
Education
High School Diploma -
Armijo High School
Fairfield, CASkills
- Data analysis
- Collaboration and communication
- Improvement recommendations
- Peer relationships
- Documentation and materials
- Requirements review
- Customer service
- Strong problem solver
- Results and Deadline-driven
- Mentoring and training
Affiliations
NCIS: Regional Representative for RCIS 1998 - 2025
Certification
Dimensions of Professional Selling
Timeline
Quality Assurance Analyst, AVP
Zurich American Insurance/RCIS
04.2025 - 02.2026
Regional Operations Manager, AVP
Zurich American Insurance/RCIS
08.2009 - 04.2025
Regional Underwriting Manager
Zurich American Insurance, RCIS
10.1998 - 09.2005
High School Diploma -
Armijo High School