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Elizabeth
elbranum9@gmail.com
904-495-5466
514 Trails Edge Ct.
Jacksonville, FL 32099
Business Analyst/Consultant
19 years experience W2
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Summary

Project Management/Business Analysis: Four years’ project management and business analysis experience working with new systems implementations and systems upgrades. This included researching requirements, process flow diagramming, communication specifications to IT team, testing coordination, and creating user guides. Possess full understanding of the System Development Life Cycle (SDLC), Agile/ Waterfall Methodologies, Data Mapping and Business Requirements Definition (BRD).

Data Analysis: Ten years’ experience as data analyst, financial analyst, and actuarial analyst. Analyzed data includes large customer databases, voluminous general ledger account transactions, and profit/loss information. Created complex queries in SQL to download mainframe data. Performed involved mathematical calculations using Excel functions such as VLOOKUP, Pivot Tables, Charts, Sort, and Conditionals. Used Microsoft Access to perform complex queries among related databases.

Insurance Industry: Over fifteen years’ experience in the insurance industry which includes medical claims/billing and provider enrollment experience.

Communication Skills: Wrote technical material for website publication, key operating procedures, and detailed explanations of product and rate changes. Eight years’ experience working with clients as a claims adjuster and developed excellent customer service skills in the process. In addition, I have several years’ experience as an instructor and tutor where I explained difficult mathematical concepts to individuals and entire classrooms alike.

Education:

M.S. Public Accounting; September 2013; Strayer University, Jacksonville, Florida; GPA 3.5

[Commonwealth of Massachusetts CPA License #60585]

M.B.A.: Finance & Risk Management; November 2005; Walden University, Minneapolis, Minnesota; GPA 4.0

B.S. Mathematics & Spanish minor; May 1987; Syracuse University, Syracuse, New York; GPA 3.3

Technical Skills: Certified Expert Microsoft Excel; SQL; SAP; Microsoft Access, Word, Visio and Power Point; SharePoint; Hyperion Essbase; IBM Cognos TM1; Investment Banking; Actuarial Analysis; Life/Health Insurance; Property/Casualty Insurance

Experience
Business/Data Analyst
Banking/Financial
Aug 2017 - present

Perform expert data analyses for new reporting disclosures on prepaid card program. Use statistical methods to analyze data and design useful business reports. Communicate results to marketing team.

BSA Data Analysis
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Business Analyst
Banking/Financial
Jul 2016 - Nov 2016

Special Project Work to query General Ledger accounts and analyze data regarding customer property tax payments. Equipment Finance related activity identifying opportunities to save funds and/or return funds to customers based on Property Tax rules and contract agreement and review. Focused on data analysis/management of the project.

Business Analysis Data Analysis
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Business Analyst/Consultant
Banking/Financial
Jan 2016 - Jul 2016

Test and review data for validation of operational efficiency and excellence, supporting Regional Management and the Chief Operating Office (COO) in the roll out of the Intermediate Holding Company (IHC), a new bank entity mandated the Dodd-Frank Act. Document Key Operating Procedures (KOPs). Partner with Front Office, Technology, Finance, Operations and Chief Data Office, assisting in: (1) Data Sourcing/Quality/Cleansing, (2) Control and Reconciliations and (3) Process and implementation. User Acceptance Team member for related IT systems. Ensure the controlled implementation of Financial and Regulatory Reporting for the IHC.

Dodd-Frank Data Validation Business Analysis Microsoft Excel
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Contract Business Analyst
Banking/Financial
Oct 2015 - Jan 2016

Analyzed IT financial data for the Strategic Planning & Information Group, Global Consumer Banking. Performed User Acceptance Testing (UAT) for new consumer technology billing system. Allocated expense data to cost centers using charge out models. Completed ad hoc reports by request.

Strategic Planning Business Analysis
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Assistant Controller
Mar 2014 - Oct 2015
Managed budgets, developed forecasts and created accounting policies and procedures. Oversaw Accounts Payable, Accounts Receivable, and Cash Management functions for private manufacturer of engine and cabin air filtration systems. Managed, trained, and directed the accounting department staff. Ensured compliance with appropriate accounting standards and directed process improvements to strengthen internal controls, increase efficiencies, and reduce operational costs. Prepared daily journal entries, bank reconciliations, tax returns, daily/monthly financial reports, and monthly closing entries.
Process Improvement Compliance
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Product & Rate Consultant
Insurance
Jan 2012 - Jan 2015

Studied insurance industry data to analyze company rates. Provided competitive analysis, review and recommend changes to property/casualty personal lines rates, rules and forms. Consulted on Businessowner's program.and updated client's rules and forms to the ISO 2011 Homeowners Program.

Competitive Analysis
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Contract Senior Financial Analyst
Feb 2013 - Nov 2013
Key member of the Financial Planning and Analysis team. Prepared and analyzed critical financial data for the Kemper Corporation, providing information and insights for management in analysis, planning and decision making. Analyzed trends and key variances to budget, forecast, and prior periods. Provided loss and premium segmentation analysis, analyzing their effects on the income statement. Assisted with regulatory reporting. Cross trained in the Accounting Department, preparing General Journal entries and posting to the General Ledger.
No skills were added
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Contract Underwriting Technician/Financial Analyst
Insurance
Jul 2012 - Feb 2013

Underwriting Technician/Financial Analyst As a financial analyst, streamlined procedures for reconciliation of general ledger accounts and back-end billing/collections. In life/health underwriting, evaluate exceptions for new and existing voluntary employer groups. Perform periodic review of claims and premium experience. Review renewals for possible upgrades and any other pertinent changes. Also prepped enrollments, problem solved, performed research on eligibility issues.

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Contract Financial Analyst - Short Term
Feb 2012 - Mar 2012
Provided analytical support in the Financial Planning and Analysis Group. Used TM1 to prepare variance as well as key financial reports. Analyzed monthly results and identified drivers and explained key variances. Supported business group managers as well as executive management.
Analysis
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Special Projects Underwriter Consultant
Apr 2011 - Feb 2012
Special Projects assignment with Citizens Property Insurance Corporation. Provided property valuation for homeowners' policies. Used knowledge of home construction to review wind mitigation inspections for proper application of policy credits. Communicated with agents and policyholders regarding inspection findings.
No skills were added
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Jan 2009 - Jan 2011
AVP, State Filings and Product Development Singlehandedly researched, prepared and obtained approval for the company's first rate indication for the South Carolina Homeowner's Program. Projected premiums, calculated, and completed all required documentation for the Florida Insurance Guarantee Association (FIGA) and Citizens Recoupment filings. Analyzed competitor filing data for management analysis using Microsoft Excel and Access. Managed the company's compliance program which involved drafting new policy forms, providing continuing analysis on compliance issues, monitoring law changes, and completing filings via SERFF for the Homeowners, Dwelling, and Commercial Property lines. Acted as company's Insurance Services Office (ISO) coordinator managed contracts and analyzed billing for all ISO products. Elizabeth L. Branum Page 3
No skills were added
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Actuarial Analyst
Jan 2006 - Jan 2009
Prepared and defended state filings and rate indications for personal and commercial product lines. Led product review meetings for all product lines including Auto, Homeowner, Dwelling, Commercial Package, and Businessowner lines. Prepared rate steps for all Commercial Auto coverages and Endorsements per the ISO program. Developed and provided timely, cost-effective actionable information to support the functions of product development, pricing, and financial reporting.
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Actuarial Rate Analyst/Auto and General Liability Adjuster
Jan 2004 - Jan 2006
Prepared rate modification recommendations and rate filing forms for management and regulatory consideration. Analyzed company, bureau and competitor rate structures for homeowner, dwelling, inland marine and automobile policies to determine trends and required modifications. Gathered data and information needed for actuarial analyses from mainframe, ISO filings, and competitor rate filings. Prepared statistical reports and rate filing forms for submission to state agencies. Handled large case load of personal lines claims including auto and homeowner's liability, from first report to settlement. Responsible for all investigation, including but not limited to, scene photos as well as police, claimant and witness statements. Negotiated bodily injury claims, managed subrogation and Personal Injury Protection (PIP).
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Worker's Compensation Claims Adjuster
Jan 2003 - Jan 2004
Managed worker's compensation claims from filing of first report to final settlement and closure. For the states of Colorado, Kansas, and Missouri, determined the compensability of claims and the most cost effective method to manage the individual situation. Set reserves and managed medical treatment and ongoing litigation. Coordinated policy issues with the employer, agent, and underwriting department. Negotiated file for lump sum settlements and file closure.
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Jan 2003 - Jan 2003
Robins
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Worker's Compensation Claims Examiner
Jan 2002 - Jan 2003
Top producer for this Third Party Claims Administrator (TPA). Used knowledge of Kansas, Missouri, and Oklahoma state laws to allow/disallow worker's compensation claims. Awarded appropriate disability benefits after eligibility was determined. Managed ongoing litigation and medical treatment using cost containment strategies to bring claims to final closure. Assured accuracy of reserves. Acted as liaison between claimants, medical providers and employers. Used knowledge of ICD-9 and CPT coding for processing applicable medical bills. Bureau of Worker's Compensation (BWC), Dayton, OH
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Edit Skills
Non-cloudteam Skill
Education
Public Accounting
Strayer University 2013
Finance & Risk Management
Walden University 2005
Mathematics & Spanish
Syracuse University 1987
Certifications
CPA
Commonwealth of Massachusetts, 2016
Certified Expert Microsoft Excel
Casualty Actuarial Society (CAS) Exams 1&2
Chartered Property Casualty Underwriter (CPCU)
Associate in Regulatory Compliance (ARC)
Associate in Commercial Underwriting (AU)
Associate of Insurance Accounting and Finance (AIAF)
Associate in Surplus Lines Insurance (ASLI)
Associate of Reinsurance (ARe)
Associate in Claims (AIC)
Skills
Competitive Analysis
2015
3
Business Analysis
2016
1
Compliance
2015
1
Process Improvement
2015
1
Agile Methodology
0
1
Analysis
2012
1
BSA
2021
1
Business Requirements
0
1
Cognos
0
1
Data Analysis
2021
1
Data Mapping
0
1
Data Validation
2016
1
Dodd-Frank
2016
1
Microsoft Excel
2016
1
Project Management
0
1
SQL
0
1
Statistical Analysis
0
1
Strategic Planning
2016
1
Languages
Spanish, Intermediate