1. Michael G. Ghiglieri
204 Clifden Drive  South San Francisco, CA 94080  (650)-994-9268  mgmm1@hotmail.com
OBJECTIVE: Seeking a position in which I can utilize my skills and experience for mutual company success.
PROFESSIONAL SKILLS
• Extensive Underwriting experience
• Solid communication, research and analytical skills
• Team player who can interact with all levels of management
• Excellent organizational skills
• Strong operational skills to follow company policies and procedures
WORK EXPERIENCE
Underwriter, Delta Dental of California, San Francisco, CA August, 2007 – November, 2014
• Responded to Sales requests regarding client renewals, proposals and alternative plan benefits; achieved through timely
verbal and written communication for release of formal renewal and proposal packets to clients, brokers and
administrators; exceeded the departmental goal of 95% of requests completed within five (5) days
• Followed corporate Underwriting principals and guidelines to determine proper risk assessment; successfully renewed
90% of existing clients and 85% of prospect clients
• Researched, analyzed and compile relevant data such as claims experience, current benefits, demographics, industry
and subscriber enrollment criteria; effectively utilized Microsoft Excel and Access-based corporate rating programs and
utilization reports for accurate premium rating
• Presented renewal recommendations to both the underwriting review and division review committees; sole underwriter
for all public and private school business (500,000 subscribers) and main underwriter for 100,000+ subscribers of
Kaiser Permanente
• Assisted Director, Manager and senior underwriters with rating larger, more complex clients; applied my analytical
skills to provide quality assurance review of renewal and prospect rating to ensure accuracy and proper rating prior to
release of information and increased accuracy by 10% .
• Assisted with training of assistant underwriters and new Account Executives/Account Managers; presented the
workflow with respect to Request for Proposal submissions and Underwriting policies and procedures
Compliance Analyst, Delta Dental of California, San Francisco, CA November 1999 – June 2006
• Investigated cases of suspected fraud or misrepresentation involving providers, brokers, clients or enrollees; researched
an average of 60 allegations per month and analyzed internal reports to accurately determine if suspected fraudulent
activity was committed
• Responded to inquiries from enforcement agencies; researched, analyzed documentation and collected evidence in
support of such activities or in preparation for referring cases for criminal prosecution
• Conducted both desk audits and onsite examinations of dental offices to determine if member dentists are meeting or
can meet the terms of participation; met the departmental goal of two (2) audits per month and created a report which
aided in maintaining analysis due dates
• Followed corporate policies and procedures to assess alleged fraudulent activities; successfully completed daily
reviews of alleged fraud submissions received via letters, email and telephone
• Wrote reports, letters and memoranda which included proposed disciplinary actions in accordance with the terms of the
dentist’s contracts and corporate bylaws; effectively provided Senior Staff with detailed findings of all audits
• Provided corporate anti-fraud education to all company employees; conducted presentations to call service center
representatives to ensure ongoing communication and to make them aware of current trends; created anti-fraud
educational materials, posters and articles for company newsletter and brochures
ADDITIONAL SKILLS
Proficient in Microsoft Excel and Word, supervisory experience, HR recruiting, exemplary customer service, billing and
reconciliation
EDUCATION
Bachelor of Science in Business Administration
University of San Francisco