NADA AL GHAMDI
Riyadh
Summary
Accomplished insurance professional with extensive expertise in insurance account handling, claims management, and risk assessment. Demonstrates proficiency in policy development, compliance enforcement, and quality assurance standards. Adept at leading teams and fostering synergy through effective communication and emotional intelligence. Proven track record in competitor analysis, financial projections, and marketing initiatives. Committed to enhancing customer relationships and achieving key performance indicators through strategic process implementation and influential negotiation. Career goals include advancing leadership capabilities while driving innovation in the insurance sector.
Overview
16
16
years of professional experience
1
1
Certification
Work history
Insurance Section Head
Tamkeen Human Resource Company
Riyadh
08.2023 - 12.2025
- Perform the renewal and submission of Tamkeen insurance program.
- Review and Monitor employee insurance addition/deletion.
- Review and Monitor stock update declaration in PAR policy.
- Review and Check policies terms and conditions and raise related issues to insurance committee to be considered in the Renewal.
- Review SOA and forward them to accounting departments.
- Arrange frequent business meeting with business owners and insurance committee.
- Conduct survey for insurance services satisfaction level.
- Prepare & coordinate monthly report of Insurance operations.
- Comply to related policy and procedures and work instructions.
- Ability to obtain updated soft and technical skills related to the job.
- Evaluated employee performance, identifying areas of improvement.
- Prioritised workload effectively, ensuring deadlines were consistently met.
- Liaised with other departments to ensure operational consistency.
- Implemented actions from staff and customer feedback to improve service.
Insurance Supervisor
Saudi Manpower Solutions Company
Riyadh
06.2021 - 08.2023
- Discussing and assessing the current and future insurance needs.
- Manage operations and productivity at the company related to insurance.
- Researching insurance policies and products.
- Collecting insurance premiums.
- Preparing reports for insurance Performance.
- Create and modify procedures and documents related to policies.
- Claims management
- Identify and analyze risks associated with policies.
- Achieve target Rates.
- Minimize risk of financial loss.
- Providing a high quality, innovative and profitable service in accordance with the Company’s needs and the agreed Scope of Service.
- Manage the current and potential portfolio of the Company Contracts , providing sound professional advice
- Served as a designated member of company, provided authoritative interpretation on company-wide proposals for liability insurance, third party administrator services, employee benefit programs, and analyze proposals
- Acted as advisor and consultant, interpreting insurance policies and determining coverage for all the types insurance entailing Medical, Property and Motor insurance.
Senior Technical Executive - general
Kingdom Brokerage
Riyadh
01.2017 - 03.2021
- Managing relationships with client, insurer and negotiate contracts for technical products and submitted services.
- Review insurance policies.
- Building and maintaining business relationships with clients.
- Researching insurance policies and products.
- Arranging insurance cover for clients with the insurance provider.
- Preparing reports for insurance underwriters.
- Advising clients on making claims on their policies.
- Renewing or amending existing policies for clients.
- Planning the client’s renewal process.
Account Handler
AON Broker Co.
Riyadh
03.2015 - 12.2016
- Growing the existing large book of business which already covers a broad spectrum of risks within the medical & the life insurance market.
- Liaising with clients, fact finding to best understand their needs in order to advise on the most suitable options available.
- Building strong relationships with new and existing clients; servicing existing accounts, looking after renewals and maintaining retention levels.
- Providing a full broking service, including new business quotations, renewals, mid-term adjustments and cover note issuance.
- Accurately preparing quotations, renewals, endorsements and policy documentation. Efficiently processing claims, dealing with calls from customers, insurers and third party companies involved in effective management of a claim.
- Communicating with Underwriters on a daily basis and building strong relationships and fully supporting the broking function to achieve optimum solution for the client.
Insurance Specialist
SAFA Co. (Pharmaceuticals and Medical Supplies)
Riyadh
12.2013 - 02.2015
- Responsible for ensuring that government programs, comply with CCHI & SAMA regulations.
- Provided admin support and document review to ensure that communication and process flow is timely and consistent from submission to policy issuance.
- Administered business insurance program and made creative yet calculated decisions that are backed by both experience and extensive knowledge of the insurance industry.
- Checked and confirmed policy language. Received and recorded policies, and endorsements and complied with all compliance, professional and transparency standards.
Technical Officer - Health Insurance Section
Medgulf Company.
Riyadh
02.2010 - 04.2013
- Offered specialist expertise in studying various insurance proposals, analyzing risk involved to improve the efficiency and effectiveness of the health insurance provision, and improve access and availability to services.
- Evaluated health insurance schemes, cost-effectiveness and comparative effectiveness to provide recommendations on how much premium the individuals or organizations should pay for optimal insurance coverage.
- Applied Product knowledge of current health insurance market, evaluated risk in insurance proposals, determined policy terms and computed premiums based on actuarial, statistical and background information and meticulous attention to detail.
- Ensured that accurate quotes are produced those are competitive to the customer, yet profitable for the company.
- Prudently negotiated terms with policyholders/brokers and obtained competitive rates after reviewing the commissions, administration costs & rates and their impact on the company.
- Served as a technical officer, managed all aspects of health insurance which includes the provision of insurance advice in all areas including underwriting, premium and risks.
Education
High Diploma - Insurance field with underwriting majors
AL-Yamamah University
Bachelor’s degree - biochemistry
King Saud University
RiyadhSkills
- Insurance account handler, insurance policy terms and procedures, policy documents processing
- Claims Management &Settling, Client Facing Experience, Information Validation, Contractual Negotiation
- General Insurance, Risk Assessment, Claims Handling, Customer Relationship, Underwriting
- Competitor/Industry Analysis, Risk Evaluation, Financial Projections, Marketing Initiatives, Reporting
- Leadership, Team Building, Synergy, Working Under Pressure, Communication, Emotional Intelligence
- Good Knowledge and experience in Microsoft Office
- Influential negotiation
- Compliance enforcement
- Key performance indicators
- Process implementation
- Quality assurance standards
- Technical reporting
- Policy development
- Staff mentoring
- Customer Service
- Team Leadership
- Employee management
- Risk mitigation
- Financial analysis and forecasting
Certification
- Professional Development:
- Insurance law Examination
- Insurance Foundation Certificate Exam (IFCE).
- Loma 290 exam (Insurance Company Operation).
- Loma 320 exam (Insurance Marketing).
- Loma 280 exam (Principles of Insurance Life, Health and Annuities). Product Knowledge (Sep 2011)
- Anti-Money Laundering workshop (Jan 2011)
- International Computer Driving License (ICDL), Gulf Institute for Training and Education.
- Training:
- Insurance in Arabic National Bank (ANB) - 2 Months
PERSONAL DOSSIER
Nationality: Saudi Arabia
Gender: Female
Languages: Arabic & English
Accomplishments
- Possess hands-on expertise in Underwriting & Claims Management, Risk Management, Relationship Management, and Customer Service Operations.
- Making a strong contribution to organizational goals by bringing in high professional skills, excellent competencies and extensive knowledge.
- Instrumental in business growth, business retention, serving strategic clients and in strengthening relationships with key clients.
- Offering excellent customer service and will focus on getting the best possible outcome for clients at all times.
- Good knowledge of Insurance related products and current legislation as well as excellent administrative and IT skill
- Excellent interpersonal, communication and organizational skills with demonstrated abilities in team management & customer relationship management.
Timeline
Insurance Section Head
Tamkeen Human Resource Company
08.2023 - 12.2025
Insurance Supervisor
Saudi Manpower Solutions Company
06.2021 - 08.2023
Senior Technical Executive - general
Kingdom Brokerage
01.2017 - 03.2021
Account Handler
AON Broker Co.
03.2015 - 12.2016
Insurance Specialist
SAFA Co. (Pharmaceuticals and Medical Supplies)
12.2013 - 02.2015
Technical Officer - Health Insurance Section
Medgulf Company.
02.2010 - 04.2013
Bachelor’s degree - biochemistry
King Saud University
High Diploma - Insurance field with underwriting majors
AL-Yamamah University