Danielle Pennison

About Danielle Pennison

Highly effective Senior Vice President, Operations, Corporate Underwriting, and Premium Audit; cross functional strategic Leader with > 20 years’ experience in Commercial Insurance; consistently delivers exceptional results through advanced data analytics, driving future thinking, implementing cost reduction strategies, and increasing profits. Detail focused, ethical, energetic leader demonstrating consistent track record of strengthening client relations, exemplary customer service, and generating business growth. Rich understanding of operations, specialized in the areas of corporate underwriting, governance, compliance, auditing, programs/MGA’s, and accounting. Experience working with diverse clients, domestic and international, to align business needs with strategic solutions leveraging key metrics (KPI\'s) and analysis.PROFESSIONAL COMPETENCIES• Business Analysis • Strategic Planning • Compliance • Data Analytics • Executive Presence • Product Management • Change Management • Servant Leadership • M&A\'s • Value Added Workflows • Offshore Team Onboarding • Writing Procedures • Expert Court Testimony • Test Audit Expert • Assigned Risk Program • Budget Management • Cost/Expense Reduction • Program Implementation • System SunsetACHIEVEMENTS• As SVP Underwriting Operations, Casualty at DUAL, prepared business plan, hired new team members, and implemented new management system, in support of carrier contracts and regulatory compliance bringing in over $30M in the first year, making Loss Ratio more favorable by 5-18 points, resulting in additional/top commission points for the organization.• As VP, Enterprise Premium Audit, successfully integrated three teams following company acquisitions. Partnered with CUO and Regional Underwriting Presidents to standardize underwriting guidelines, leading trainings. • Developed a Cost Benefit Analysis, approved by Executive Board of Directors to leverage Offshore Teams for low premium/ non-test audit state audit quick review/audit billing processing work. Resulted in 66% cost saving per employee. • As California Test Audit Expert, implemented new procedures to comply with all WCIRB Test Audit Rules and Regulations to perform business in the state. Successes included writing Remediation Plans and testing out of the Test Audit Program. • Partnered with business stakeholders to assess impact, dependencies and concerns for system sunset and new system implementation for acquired M&A\'s. Established timeline based on regulatory requirements, system dependencies, and stakeholder input/impact.

Experience

1. Senior Vice President Casualty Underwriting Operations

   DUAL North America

   Aug 2023 — Present · San Diego, CA, US

   Prepared & executed Operations Strategy and Leadership to improve all operations, ensuring workflow efficiency, scalability, and cross-functional alignment working toward enterprise priorities while maximizing cost effeciency. •Responsible for supporting Business Unit Leaders and their Underwriting Teams to ensure successful operating models, drive compliance with workflow processes and procedures specific to each business, and drive streamlined processes across Casualty to ensure operational cohesiveness and profitability.• Drive overall strategic direction of DUAL’s governance processes and best practices.• Execute development/implementation of framework for underwriting governance, including referral process, peer reviews, authority levels, LOA\'s, minimize premium leakage/risks, and portfolio mix.• Facilitate underwriting audits with external auditing firm(s) and key stakeholders, including development & communication to underwriting around audit scope.• Analyze audit results & recommendations on issues, business impacts and solutions/remediation. Provide quality, timely, and detailed results and improvement plans. Work with key stakeholders around execution.• Manage periodic underwriting guideline reviews taking emerging risks and changes in risk appetite into account.• Oversee underwriting file peer review process, including the identification of trends across units. Partner with CUO on targeted & firm-wide messaging of necessary improvements, initiatives and training opportunities.• Provide direction to Chief Risk Officer on statutory rules, regulatory requirements & risk assessment.• Provide business units with data analysis on risk identification, including emerging trends & events.• Collaborate with Chief Underwriting Officer around necessary education, training needs and opportunities within business units, including developing & presenting training materials to address knowledge gaps.• Lead strategic projects & underwriting initiatives.

Education

• University of California, Riverside

  Bachelor of Science (BS), Business Administration and Management, General

  2003 — 2005

• California Baptist University

  MBA, Global Business Management

  2005 — 2008

Skills

• Underwriting
• Outlook
• Microsoft Office
• Insurance
• Microsoft Excel
• Leadership
• Quickbooks
• Customer Service
• Management
• Payroll
• Commercial Insurance
• Adp Payroll
• Microsoft Word
• Auditing
• Liability
• Casualty Insurance
• Risk Management
• Workers Compensation
• Property & Casualty Insurance
• Financial Analysis
• Legal Liability
• General Insurance
• Accounting
• Claim
• Internal Audit
• Commercial Vehicle