AUDREY CARUSO 611 Pine Street a Roselle, New Jersey 07203 (908) 247-2203 (Cell) a ac1087f38@westpost.

net (E-Mail) SUMMARY OF QUALIFICATIONS: Insurance Claims and Risk Management Professional with more than twenty years of progressive experience in organizing and administering efforts to manage risk exposures engendered by automobile and personal injury protection (PIP) claims, emphasizing high-complexity claims with large carrier exposures. Career compet encies include claim analysis and investigation, prioritization, coverage evalua tion, loss assessment, case management, negotiation, settlement, and information management. An effective analyst and facilitator with a strong client services orientation, effective multi-tasking skills, and a verifiable record of achieve ment in working within high-volume environments. A productive communicator and negotiator with the capacity to cost-effectively settle claims. PROFESSIONAL PROFICIENCIES: Insurance Claims/Risk Management Considerable experience in managing risk exposures through administration of e fforts to review and resolve PIP and automobile insurance claims, emphasizing an alysis and settlement negotiation of high-complexity catastrophic claims within carrier, claims servicing, and corporate environments. a Controlled flow of claim documentation and information, functioning as condu it among claimants, insured parties, and carriers and tracking claims process fr om initial notice of loss... a Reviewed claims in accordance with carrier directives, determining contractu al obligation, extent of injuries, carrier financial exposure, subrogation poten tial, and impediments to favorable settlement of newly-reported losses, applying comprehensive knowledge of the NJ No Fault Statute, The American Insurance Cost Reduction Act (AICRA), and the NJ Medical Fee schedule in evaluating specific N o Fault losses... a Established new arising reserves to finance potential payments of liabilitie s and controlled inventory of outstanding reserves, maintaining a positive trend and balance among average paid, new arising reserves, and outstanding reserves and referring and recommending disposition to supervisor of cases exceeding pers onal authority limits... a Participated in development of defense strategies for litigation in cooperat ion with house counsel and negotiated settlement agreements, assessing and utili zing data regarding jurisdictional and industry trends in structuring settlement offers... a Coordinated and cooperated with vendors engaged in third-party subrogation, processing, and payment of claims... a Applied PC literacy, knowledge of Accurint, ISO, and Metro Web-based investi gative tools, and Allenbrook Phoenix software in the investigation, analysis, an d management of claims... Operations Administration/Leadership Significant background in providing support and guidance to claims processing and resolution operations, applying effective planning, coordination, facilitati on, and leadership skills. a Analyzed and organized operations, prioritizing claims and initiating immedi ate contact with high-priority claims to minimize potential problems... a Ensured operational compliance with established carrier and regulatory stand

ards, drawing upon extensive experience with the New Jersey Automobile Full Insu rance Underwriting Association (JUA), the Market Transition Facility (MTF), the Unsatisfied Claim and Judgement Fund (UCJF), and the New Jersey Property-Liabili ty Insurance Guaranty Association (PLIGA)... AUDREY CARUSO Page 2

a Contributed to efforts to elevate efficiency and productivity of operations, maintaining comprehensive documentation of claim information for assigned files ... a Cultivated and maintained productive working relationships with customers, c laimants, vendors, internal resources, and other parties to insurance claims, el evating satisfactions levels and enhancing the settlement process... a Delegated responsibilities and directed personnel in prior supervisory capac ity... EXPERIENCE: Mercury Insurance Company, Bridgewater, New Jersey 08/06 to 10/10 Senior PIP Specialist The Robert Plan Corporation, Edison, New Jersey 01/95 to 02/05 Senior No Fault Specialist Hertz Claim Management, Park Ridge, New Jersey 01/92 to 11/94 Senior Claim Examiner Computer Sciences Corporation, Parsippany, New Jersey 01/90 to 12/91 Senior Claim Adjuster Material Damage Adjustment Corporation, Somerset, New Jersey 11/89 to 01/90 Senior Claim Adjuster/Supervisor Allstate Insurance Company, Cranford, New Jersey 09/76 to 11/89 Senior Claim Representative (1984 to 1989) Claim Representative (1982 to 1984) Claim Service Representative (1977 to 1982) Clerk-Typist (1976 to 1977) EDUCATION: Abraham Clark High School, Roselle, New Jersey High School Diploma, 1975 PROFESSIONAL DEVELOPMENT: a Clinical Medical Assisting Certificate (Career Crossroads Institute, Edison, New Jersey) a Seminars of Catastrophic Injuries including Quadriplegia (Kessler Institute, West Orange, New Jersey) a Communication Course (Dale Carnegie, Cranford, New Jersey REFERENCES AVAILABLE UPON REQUEST.