Emily Cameron

I was responsible for overall management of the underwriting department including oversight of
underwriting performance and new business. My role was extremely varied, but my main responsibilities included:-
- Management of team; managing a team of seven individuals both office and home based. Involved training junior team
members, completing performance reviews, assessing capabilities in order to assign or increase underwriting authority and
acting as a point of reference for more complex matters.
- Underwriting Performance: responsibility for ensuring compliance with binding authority agreements and performance of
each underlying book of business and the company. As an MGA with a very varied book of business, I had to design my own
suite of reports to enable tracking of income against plan, key conduct metrics (such as cancellation rate), new business and
retention rates.
- Processes and Procedures: responsibility for identifying and rectifying areas of non-compliance and improving existing
processes. I performed a Gap-Analysis of the current operating procedures against Lloyd's Minimum Standards and MS11 in
order to identify areas of weakness. To address, I implemented a peer review process, quality assurance file checks and
conduct risk assessments for all new products as part of the product design process. I also developed written procedures for
each product in order to ensure consistency.
- Policy Fulfilment: overall responsibility for policy documentation (including schedules, invoices, policy wordings, IPID's and Key
Facts, where still appropriate). All product fulfilment documentation was reviewed and updated to ensure compliance (for
example data protection and Brexit related requirements) and performance of the business. I was also responsible for the
ensuring that IPID documents were implemented in a timely fashion.
- Online Sales Platform: design, build and maintenance of online “quote & buy” systems for us and our Appointed
Representatives. Approximately 15 sites on which our products were sold, all were kept fully up to date and compliant with
the most recent regulations, taxes, premium rates and policy wordings. Procedure guides for maintenance and instruction
guides users were designed for distribution during onboarding process.
In addition to the above items ad-hoc projects were undertaken, including:-
1. Replacing capacity for all life and non-life products. This included assessing performance of the business and re-underwriting
where necessary, writing business plans and forecasts to enable marketing of the binding authorities, broking our proposals
to the market, re-writing the policy wording for each product, re-building our online platforms and putting together updated
process manuals and training guides for each party involved in the distribution chain.
Emily Cameron - CV
13.09.2021
2. Gaining Lloyd's Broker status. Took the application through the process which included completing competency tests required
by Xchanging. I had ongoing oversight of separate company “Compass International” including drafting binding authorities,
managing relationships with carriers (including managing exposure to individual carriers), designing processes and
procedures for processing of premiums and claims via Xchanging including managing conflicts of interest. I also managed the
Broker Technician (premium and claims) and acted as their point of reference.

Initially employed as part of a team of three responsible for the “Affinity A&H” book of business which was worth approximately
£4m in net premium income. The wider Affinity team parted company with ANV and I was left with responsibility for the Affinity
A&H book, with the support of a

Main areas of focus were Aerospace (including Aviation Products and Airports) and Accident and Health (predominantly Crew
Personal Accident and Loss of Licence) but also other classes of business as requested by our existing clients (including Travel,
Property and Professional Indemnity). Responsible for the business from start to finish; from enquiry and sourcing markets,
obtaining quotes through to issuance of policies to clients. Worked very closely with Clients and Third-Party Producers to fully
understand the risks presented and ensure high level of service was maintained. Had a lot of face to face contact with the market
and developed a very good working relationship with many underwriters both in London and Overseas. Implemented and
maintained a log of enquiries received to track quantity of business seen and our conversion rate which was a useful tool in
targeting new business and focusing our resources on the most promising prospects. Compiled the data to be presented to
Management and Producing Brokers as required.
Headhunted by Senior A & H underwriter to join ANV/Jubilee A & H division as an Assistant Underwriter

included checking and authorising all premiums due to and from broking houses, preparing reports in readiness for
underwriting and operations team meetings, working to strict deadlines, liaising with brokers, underwriters, accounting
departments and Xchanging in order to resolve any issues surrounding payment and supporting Underwriters with data entry
on an ad-hoc basis.
Left to explore a multi-line insurance opportunity and gain wider experience in other lines of business in addition to General
Aviation.

my role included:
processing premiums and premium adjustments, producing client documentation such as cover and debit notes, submitting
documents to Xchanging and resolving claims, accounts and Xchanging queries.