Andrea Cvoro

- Conducted in-depth analysis of financial statements, filings, and operational history to assess risk profiles and define optimal insurance contract terms. - Coordinated cross-border underwriting teams managing internationally active clients, proactively assessing sanctions risks, regional regulations, and operational vulnerabilities to ensure compliance. - Utilized Power BI and Excel to analyze account data, monitor underwriting performance, and support management reporting.

- Developed and implemented Standard Operating Procedures (SOPs), leading to increased team efficiency and reduced workflow redundancies and errors. - Coordinated with brokers and underwriters to maintain up-to-date, accurate, and well-organized files, ensuring data integrity and smooth underwriting processes.

- Modernized the analysis process by migrating from ad-hoc systems to a centralized Excel framework, enhancing efficiency, data consistency, and speeding up decision-making. - Developed time-series graphs and analysis sheets comparing industry-wide property and casualty insurance rates, loss limits, and deductibles. - Managed a portfolio of accounts and liaised with insurers to secure Directors and Officers Liability insurance quotes for small business clients.

- Monitored wholesale funding activity to ensure the accuracy of key liquidity metrics, including the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR). - Streamlined the daily reporting process by eliminating redundancies and optimizing complex Excel functions, improving efficiency and data integrity. - Reviewed internal policies and external regulatory frameworks to confirm compliance with financial risk thresholds and liquidity standards.

- Prepared performance reports and tracked key financial indicators to inform decision-making. - Analyzed the potential impact of emerging risks on the life insurance industry, providing insights to senior management on exposure areas. - Supported the development of internal training materials to align with new OSFI guidelines. - Coordinated and documented quarterly meetings with senior executives, ensuring clear communication and accurate records for a regulated institution.