Jonathan Penter

Seasoned insurance professional with 27 years' experience in underwriting, fraud detection and operational compliance. Expert in analysing complex technical referrals, producing legally sound documentation, and improving processes through cross-functional collaboration. Skilled in Excel for risk reporting and referral data management. Possess a sharp eye for identifying gaps in insurance guidance and ensuring procedural accuracy.

Achievements

-Planned and executed underwriting inspections, concluding in structured reports -improving broker quality and safeguarding against compliance breaches with potential financial penalties and reputational damage.
-Drafted precise, legally compliant policy documents for thousands of customers -ensuring claim clarity and shielding the business from legal exposure.
-Redesigned underwriting manuals, embedding referral trends and error data to streamline risk acceptance - reducing referrals and breach potential.
-Developed a high-performing referral team, transforming service levels from multi-day to same-day decisions on complex underwriting cases.

2022-present- Intact Insurance

Personal Lines Underwriter-Delegated Household

-Promoted to Delegated Underwriter, working high-level cases, analysing and responding to complex technical underwriting and claims fraud referrals.

-Writing underwriting guidance to be used by external companies when accepting insurance risks, reducing the potential for partner errors which may result in costly claims.

-Constructing policy wording documents, which meet strict legal and accuracy requirements, for distribution to the customer base, providing legal and procedural guidance.

-Undertaking company validation inspections, to ensure external partners are following correct company processes, reducing the risk of compliance breaches.

-Liaising with relevant departments such as legal, pricing and claims, to meet deadlines for reports or investigations.

-Collating referral data and reporting results to internal management and external partners.

2021-2022 Intact Insurance

Underwriting Services Handler 

-Compiled excel data reports, highlighting insurance risk, to be used in high value commercial contracts. Accuracy was essential to provide underwriters with correct information to accept or decline risks.

2014-2021 Intact Insurance

Household Mid Net Worth Underwriter

-Expanded responsibilities within Intact, to underwrite and assess risk criteria and determine acceptance of high value policies, improving underwriting accuracy and reducing claim disputes.

-Utilised a variety of excel data to compose correspondence for customers.

-Acted as a referral point for queries and complaints, to support internal staff and new employees, thus reducing errors when applying terms and conditions to policies.

2006-2014 Intact Insurance

Customer Manager

-Dealt with telephone and email queries from brokers and customers.

-Delivering excellent service against a wide variety of sales and service telephone-based targets.

-Created selling opportunities to match customer requirements with appropriate products.

-Dealing with a range of customer complaints, via email and phone, in a prompt manner.

1990 - 1994
B.Ed. (Honours) Degree in Primary Education and Environmental Science.
Liverpool John Moore's University

1980 - 1989
GCE 'A' Levels in 2 subjects, GCE 'O' Levels in 7 subjects including English Language and Mathematics.
Calderstones Comprehensive School