1. MICHAEL COSCARELLO
127 Merian Way
Livingston, NJ 07039
Phone: 973-487-7788 Email: mcoscarello@gmail.com
OBJECTIVE: To use my interpersonal and management skills to improve
organizational metrics, maximize efficiencies and productivity
PROFESSIONAL QUALIFICATIONS: Licensed Insurance Producer - Health,
Property/Casualty - State of NJ
PROFESSIONAL EXPERIENCE:
Everest National Insurance Company Liberty Corner, NJ
Premium Audit Director 6/14 to present
 Manage Review staff for audit productivity, quality & state bureau standards. Increased
productivity by 39% in first six months
 Analyze and manage Premium Audit department work management system and other
Everest systems impacting Premium Audit. Established all functioning system rules to
improve workflow and production both internally and externally.
 Premium Audit Manager duties continue in this expanded role
Premium Audit Manager 9/08 to 6/14
 Develop and implement Premium Audit procedures, guidelines and utilization
impacting Everest’s Program Administrators and direct business units. Also serve
as a resource for audit strategies, classifications & basis of premium for
commercial lines.
 Reporting and data analysis manager for the department.
 Manage premium audit vendors utilized by Everest to achieve and improve quality,
time service, and cost effective standards. Serve as a liaison between vendors and
Everest Premium Audit Department. Time Service improved by 2% year over year,
to acceptable levels in 2012. Quality increased 2% in first six months and was
99% for 2014 & 2015
 Assist in meeting applicable state test audit program results and implement
improvement plans and strategies. Exceeded test audit requirements receiving 2
year exemption, twice.
Automatic Data Processing Insurance Agency Inc. Florham Park, NJ
Audit Manager 10/05 to 9/08
 Managed team of direct reports, including members in Hyderabad, India to service
a book of business over $230 million
 Developed new operating protocols to improve agency efficiency and minimize lost
revenue
 Coordinated with strategic business unit to establish employee recognition
program, integration of CRM and agency operating systems
 Developed employees to maximize productivity and ensure expertise through one-
on-one coaching
Senior Audit Specialist 3/04 to 10/05
 Collaborate with carrier partners and collections agencies to collect audit balances
to minimize potential bad debt

2.  Mentored team members to create an environment of high quality performance
and uniform work processes
 Disbursed work to team members to assure and maintain efficient workflow
Key Account Representative and Sales Executive 10/01 to 3/04
 Developed strong relationships with clients while providing high service levels for
assigned accounts
 Served as primary client contact for accounts while actively working to retain
accounts and cross-sell other lines of business
 Managed client relationship from sale through life of policy, handling client
implementation, endorsements, renewals, and audits
 Used interpersonal skills to sell Workers Compensation solution to new and
existing clients
 Met quota metrics 12 out of 14 months
 Maintained various state Property and Casualty Licenses to meet requirements of
position
Liberty Mutual Fire Insurance Company Parsippany, NJ
Senior Account Specialist 7/97 to 10/01
 Interpret customer needs and counsel accordingly
 Qualify and write new business lines
 Work independently and in coordination with sales and service staff
 Managed flood and yacht program, including regular review of client policies and
underwriting information
 Mentored associates in P & C line to provide solutions to subject-related issues
 Supervised call center, by overseeing daily schedules and workload
 Presented training material to new associates and monitored development
 Field-tested online auto application and quoting system to ensure functionality and
stability
 Resolve customer complaints
EDUCATION:
University of Phoenix 3/05 to 9/08
BA in Business Administration
Seton Hall University 9/89 to 9/91