Karen D.
Senior Insurance Claim Consultant
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Karen D. is an accomplished Operations Manager with over a decade of leadership experience spanning the insurance and real estate appraisal industries. At Senon Insurance Adjusters & Appraisers, she managed end-to-end insurance claims, focusing on property claims, and directed financial oversight, client relations, and team performance within both claims and real estate appraisal divisions. Karen also served as a Senior Claim Consultant for World Claims Partner - Australia, where she led complex claims, oversaw compliance, drafted regulatory reports, and implemented operational process improvements. Her tenure as an Analyst at Deutsche Knowledge Services solidified her expertise in claims handling, property valuation methodologies, and risk assessment, consistently utilizing industry-specific software for data management and reporting within globally regulated environments. Licensed as a Real Estate Appraiser and Broker in the Philippines, Karen holds degrees in Business Management and Real Estate Management.
Experience
Operations Manager - Insurance Adjuster
Senon Insurance Adjusters & Appraisers · 2014 — 2025Evaluate and assess property insurance claims ensuring compliance with relevant policies. Conduct investigations by gathering evidence and analyzing documentation to establish liability and coverage. Negotiate settlements with claimants, policyholders, and attorneys, aiming for fair resolutions. Oversee financial performance by tracking Profit & Loss (P&L) metrics to verify operational efficiency. Maintain marketing relationships with insurer clients to foster satisfaction and repeat business. Ensure accurate documentation of claims, estimates, and settlement agreements while effectively communicating decisions and updates to stakeholders.Senior Claim Consultant
World Claims Partner - Australia (via ASWhite) · 2025 — PresentManage complex high-value claims throughout their life cycle, representing policyholders to maximize recovery while minimizing risk. Mentor a team of claims consultants, establishing performance targets and monitoring adherence to SLAs. Prepare and submit reports for disputes to regulatory bodies and internal reviews, achieving favorable outcomes on escalated claims. Conduct thorough quality assurance on claim documentation, ensuring accurate valuations. Collaborate as a liaison among policyholders, loss adjusters, external counsel, and third-party experts to facilitate communication and expedite claim resolutions.Operations Manager - Real Estate Appraiser
Senon Insurance Adjusters & Appraisers · 2014 — 2025Specialized in property valuation and market analysis with ten years of real estate appraisal experience. Managed financial aspects of the real estate appraisal division, overseeing P&L and budget tracking. Fostered strong client relationships through dedicated marketing and servicing. Drove enhancements in efficiency and productivity via process improvements. Employed appraisal software for efficient data management and report generation, ensuring reliable and accurate appraisals.Analyst
Deutsche Knowledge Services Pte. Ltd. · 2012 — 2014Assisted with Market Conformity Control focusing on trades related to Deutsche's Global Finance and Foreign Exchange (GFFX) business. Evaluated trades for market price, liquidity, and various risk factors. Compiled weekly escalation reports while communicating with the Profit and Loss Team for prompt exception resolution. Collaborated with IT to automate recurring processes and provided process training to bolster team resilience. Enhanced efficiency by improving templates through automation, aiming to reduce errors and processing time.
Skills & Expertise
Education
- Bachelor of Science in Real Estate ManagementInformation and Communications Technology Academy · 2018 — 2020
- Bachelor of Science in Business ManagementSt. Scholastica’s College, Manila · 2008 — 2012