Eleanor Espinel

Underwriter Analyst at Payment Logistics
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Contact Information
us****@****om
(386) 825-5501
Location
San Diego, California, United States, US
Languages
  • Spanish -

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Bio

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Credentials

  • California Property & Casualty Licensed: 0I33039
    -
    Apr, 2013
    - Oct, 2024

Experience

  • Payment Logistics
    • United States
    • Financial Services
    • 1 - 100 Employee
    • Underwriter Analyst
      • Jul 2015 - Present

      • Evaluate high-risk accounts prior to approval based on revenue, credit history and company track record • Communicate and present findings with fraudulent or high-risk merchant applications to Risk Management • Manage e-commerce quarterly reviews to ensure merchants are compliant with card brands • Underwrite Merchant Applications by running necessary background checks to ensure validity of merchants • Evaluate high-risk accounts prior to approval based on revenue, credit history and company track record • Communicate and present findings with fraudulent or high-risk merchant applications to Risk Management • Manage e-commerce quarterly reviews to ensure merchants are compliant with card brands • Underwrite Merchant Applications by running necessary background checks to ensure validity of merchants

  • Travelers
    • Pakistan
    • Events Services
    • 1 - 100 Employee
    • Inland Marine Account Manage
      • Aug 2014 - Jun 2015

      • Partnered with Account Executives/Underwriters to establish renewals and/or new Commercial policies • Reviewed Commercial Lines risk exposures for Inland Marine policies to create proposals with adequate pricing • Review and managed applications, policies, endorsements, audits, cancellations for accuracy • Maintain current and accurate information in agency management system • Partnered with Account Executives/Underwriters to establish renewals and/or new Commercial policies • Reviewed Commercial Lines risk exposures for Inland Marine policies to create proposals with adequate pricing • Review and managed applications, policies, endorsements, audits, cancellations for accuracy • Maintain current and accurate information in agency management system

    • Underwriter
      • Mar 2010 - May 2014

      • Responsible for reviewing merchants’ credit worthiness to determine approvals for new accounts • Research and review merchants’ financial background to verify risk exposure • Run Lexis Nexis OFAC and Mastercard Match list to help identify high-risk merchants prior to approval • Create underwriting and approval procedures • Responsible for reviewing merchants’ credit worthiness to determine approvals for new accounts • Research and review merchants’ financial background to verify risk exposure • Run Lexis Nexis OFAC and Mastercard Match list to help identify high-risk merchants prior to approval • Create underwriting and approval procedures

  • WFG Property & Casualty
    • Insurance
    • Account Manager
      • Mar 2007 - Dec 2009

      • Managed agents nationwide regarding procedures, coverages and endorsements of insurers • Analyzed underwriting guidelines of major insurers, including Travelers, Metlife, Progressive • Served as liaison between corporate headquarters and on-field sales agents on customer service priorities • Trained outside sales agents insurers’ underwriting guidelines and policies through webinars • Managed agents nationwide regarding procedures, coverages and endorsements of insurers • Analyzed underwriting guidelines of major insurers, including Travelers, Metlife, Progressive • Served as liaison between corporate headquarters and on-field sales agents on customer service priorities • Trained outside sales agents insurers’ underwriting guidelines and policies through webinars

  • Fallaize Insurance Agency, Inc.
    • United States
    • Insurance
    • 1 - 100 Employee
    • Customer Service P&C Agent
      • Jan 2004 - Feb 2007

      • Supported lead Commercial Line Producer in organizing insured applications and record retention forms • Assisted clients in completing applications and forms on various insurers’ management system • Maintained book of business on agency management system • Managed billing and policy changes to personal and commercial accounts • Supported lead Commercial Line Producer in organizing insured applications and record retention forms • Assisted clients in completing applications and forms on various insurers’ management system • Maintained book of business on agency management system • Managed billing and policy changes to personal and commercial accounts

Education

  • Georgia State University
    BA, Spanish Literature
    2004 - 2006

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