This document provides a summary of Charles Raymond's experience and qualifications. It outlines his 25+ years of experience in insurance, risk management, and claims operations, including roles as VP of Insurance and Risk at various companies. It also lists his areas of expertise, educational background of a JD and MBA, and professional certifications.

1. Charles Raymond
SCLA, CPCU, IIA, AIE, AIAC, CIC
5952 W. Greenbriar Drive  Glendale, Arizona 85308  Telephone: 480.737.4039
Email: Charles.E.Raymond@gmail.com  LinkedIn: https://www.linkedin.com/pub/charles-raymond/41/b2b/250
VP of Insurance & Risk / Claims Operations
JD, MBA,BS (Business),BS (Marketing), Licensed Multi-Line Adjuster,CPCU, CIC, AEI, SCLA, with more than 25
years of insurance related experience in developing/implementing Risk and Claims procedures, protecting corporate assets,
acquiring and renegotiating Insurance coverage’s and leading corporate Insurance related departments that exceed revenue
performance targets.
Experience includes, serving as Principal for Professional Claims Associates (PCA) and Professional Consulting Company
(PCC) in Scottsdale, Arizona, with responsibility for managing a 67-member Claims and Risk staff directly supporting a 8-
state geographic area (California, Arizona, New Mexico, Southern Nevada and Southern Colorado, Florida and Texas.
_________Areas of Expertise____________
RISK CLAIMS
 Corporate Insurance Management  Claims strategy/process improvement/efficiency
 Insurance policy acquisition and negotiation  1st
, 3rd
party/ commercial claims/litigation management
 Risk management financing/retention/transfer  Claims development mentoring/training
 Risk identification/analysis/mitigation/strategy  Specialty/Excesscoverage’sexpertise
 Unallocated loss prevention/reduction  Legal analysis relating to risk,mitigation and settlements
 Policy expertise, GL, PL, WC, Cargo, Transport  Settlement negotiation/mediation/arbitration
OPERATIONS
 Departmental Operations, work flow
 Process improvement /efficiency
 Strategic budgeting and financial management
 CRM, Client Relationship Management
 Employee management/hiring/termination
 Multi-program/project management

2. ____________Career Highlights____________
 Implemented at Maui Land and Pineapple Company (38 sub-companies, 1003 employees, and 28 Tractor/Trailer rigs) a
new claims/risk/insurance and safety plan that previously experienced excessive coverage, Workers Compensation/GL
Claims and Safety /OSHA complaints and fines. Authored and implemented complete Employee Occupational Safety and
Health Plan. Designed a new comprehensive program, which integrated all functions under the newly formed Corporate
Insurance Services department that accomplished the following 4 items: 1) Elimination of (6) $7,000 OSHA fines; 2)
Reduced workers compensation injury and time off by 19%; 3) Slashed insurance premiums by 9%; and 4) Cut GL and
3rd
party claims 33%, reduced Cargo claims and Trucking Transport claims 35% in first 6 months.
 Served as Chief Business Insurance, Claims, Risk/Safety/Loss Prevention Consultant renegotiating Insurance coverage’s
reducing Premium expense by 9%for Scottsdale Princess,the Phoenician, and the Crown Plaza. At the EL Conquistador,
a Hyatt (5-Star resort), slip-and-fall accident claims averaged $24,000 each. Resort anticipated removal of 350 bathtubs at
a cost of $3,370 each to meet current skid codes. Subsequently, developed a new process which exceeded the same code
standards at a cost of $17.50 per bathtub, with an approved expense budget of $1.2 million. Consequently, completed all
changes for a total cost of $6,125, thereby saving Hyatt Corporation $1.1 million.
 Revamped Insurance portfolio, increasing coverage, reducing premium by 8%. Entrusted by senior management with
reengineering all aspects of an assembly process at Schuck & Sons Truss Manufacturing Company for a cost of $10,000,
which proved instrumental in increasing production by one more truss set per week with a concurrent net profit of $16,900
that generated $845,000 of additional revenue in 1 year from implementation of this new assembly process. Revamped
Insurance portfolio, increasing coverage, reducing premium. Designed and implemented Transport Safety Training
program and logistics directional program that avoided heavy traffic area and resulted in a reduction of first and Third party
Transport claims.
 Recognized a business opportunity to utilize an established network of business relationships to design, build and manage
a startup insurance claims adjustment company, designed to capitalize on a new emerging non-standard auto insurance
trend that realized $1 million of gross receipts in 18 months, subsequently growing to $4.4 million in annual revenue
within a 21/2
year period.
____________Benefit Statement____________
Demonstrated 20+ year track record of managing Corporate Insurance and Claims operations and ongoing Risk program
development that consistently reduced operational costs while increasing asset protection mechanisms.
____________Key Areas of Competency____________
 High Standard of Ethics & Integrity  Operational Leadership by Example
 Evaluating & negotiating Insurance portfolio  Board Level/Formal Presentation Skills
 Ability to Coach, Motivate & Mentor Others  Facilitating InterdepartmentalCooperation
 Implementing Continuous Process Improvements  Diplomatic Change Agent for Productivity Improvements
Consultancy Assignments & Accomplishments
Raymond Business Consulting Services  Glendale, Arizona  2012 to Present
(A consultancy company founded to provide marketing, brand, and quality management services to multi-industry clientele)
Chief Consultant/Owner – Established 'Trusted Advisor Status' that proved instrumental in generating an ongoing stream of
new business development opportunities from a strong referralnetwork. Primary duties focused Operations development and
efficiency and managing large loss/exposure claims for several carriers while simultaneously conducting in-depth legal
investigations, which included assisting attorneys with Defense trial preparation and deposition.

3. A Sampling of Secured Annual Contracts Include:
S&S Hinge Company (2015) In effort to control skyrocketing Insurance costs, provided consultation to CEO and
Risk Manager including SIR, Off-shore markets and methods to reduce risk exposure and reduce premium costs.
Result: Minimized risks therein reducing overall Insurance costs by 15%. Successfully managed and settled all
Product Liability exposures, and Inland marine/ Cargo claims within SIR and under reserve.
Service America (2014) Charged with expanding business nationally.
Authored Business Plan, secured funding, designed and implemented marketing campaign, mentored on sales and
closing techniques. Successfully expanded into Colorado, New Mexico and Nevada, within 60 days, exceeding
targeted goals by 7 %.
All Mercedes (2013 -2014) Representing a partnership of two factory trained Mercedes Benz technicians,
replaced for less cost by dealership to start a new company undercutting the market labor rate.
Filed all corporate papers and secured licensing. Located niche location and negotiated lease. Acquired mechanical
equipment negotiating leases. Negotiated and acquired professional and specialty coverage’s. Designed a
marketing campaign target marketing Mercedes Benz owners, deploying program 30 days prior to opening.
Designed operations structure, instituted record and compliance maintenance program. At grand opening had six
customer cars first day. Business grew steadily, reaching capacity within 30 days
Slavicek Law Firm-(2012-Plaintiff Firm, continuous contract) Providing, investigative services for large loss
litigation claims, precedent case research and legal discovery analysis. Result:100% win on every case with
verdicts in excess of expectations
Various Insurance carriers- (2012-present) Providing/managing Property/Casualty Adjusting and GL/specialty
W. C., auto, transportation and cargo related investigations
Maui County US Census, Supervisor (2010-2011) – Directed 65 enumerators, logistics, content quality and federal
reporting/compliance functions that successfully completed multiple projects in record time. As a result of project success,
ranked first in the nation for quality, content, and on-time performance.
Maui Land and Pineapple Co., Director of Insurance Services (2008-2009) – Initially hired as Consultant and
subsequently promoted to Director Insurance Services including Risk, Safety, Claims, Workers Compensation, Security and
Special Projects management. All divisions were operating separately lacking inter-company communication or any
semblance of order and synergy. I integrated all divisions under Corporate Insurance creating autonomy, increasing efficiency
and communication and resulting in a 19% reduction in Workers Compensation Claims, 33% reduction in General Liability
Claims and a 26% reduction in Legal Defense costs,while reducing cargo/ transport claims to one single (not at fault)
accident in first year.
Remediated $11.2 million in claims into $260,000 settlement. Received a $250,000 corporate budget to demolish a
100,000sf warehouse containing obsolete equipment. Developed a cost-saving alternative plan by contracting with metal
recyclers and was able to sell equipment metal for $65,000 profit, then rented warehouse space for a $25,000 monthly profit
Ali'l Mechanical Contractors Site Superintendent (2006-2007) – Responsibilities included designing, developing and
implementing all daily management of commercial and residential construction division. Established and implemented
Construction Safety Plan. Completely turned around a failing construction project, 45 days into 6 month contract requiring
extensive revision, then completed entire project 30 days ahead of schedule resulting in $35,000 early completion bonus.
Authored and implemented Risk/Employee Safety Plan, managed Workers Compensation claims from First Report of Injury,
loss investigation to State Plan reporting. Renegotiated Insurance coverage’s, reducing overlapping coverage and saving 6%
premium in the first year

4. Schacker Enterprises General Manager(2005-2006) – Turned around a 5-year ,losing trend by executing the following
5 items: 1) Relocated business to high profile location; 2) With attending Broker, negotiated Insurance portfolio directly with
carrierUnderwriting VP,resulting in an increase in coverage,reduction in annual premium costs.3) Expanded Saturday service
and sales to outlying islands; 4) Renegotiated floor plans with Am Honda Motors, KawasakiCorp, and Suzuki Corp allowing
for improved cash flow and zero interest for 90 days and reduced interest for 60 days thereafter; and 5) Created profits and paid
off $785,000 in debt in first 8 months, enabling future sale for million-dollar pure profit, and retirement of principle.
Scottsdale Hospital Systems (2000-2005)-Consulted to Risk Manager and Hospital Administrator establishing guidelines
for comprehensive Risk/Patient Safety/Claims management program with loss measurement and causation analysis programs
to monitor Risk, Workers Compensation and Medical claims. Managed and handled all Claims and personally handled all
investigations for mal-practice allegations. Split Insurance portfolio between Marsh & McClellan and Aon Brokers creating
inter-brokerage competition, which aligned all coverages and reduced premium costs.
Professional Claims Associates  Glendale, Arizona  1989 to 2005
Mesa Casualty (1996-2001) Contracted by carrier to develop and build claims department with remote offices in 3 states to
handle all claims in support of heavy growth/expansion initiative. Managed central plus five remote offices for five years.
Sold claims unit to carrier in 2001.
Kentucky Central Insurance Co (1987-1989) Director –WesternStates,Responsible for AgencyDevelopment and growth
of Independent Agency Sales, Corporate Administration, Underwriting and Claims.
Successfully added 14 newAgencies, redesigned processcreating efficiency in Underwriting, Policy delivery, Claims reporting
growing Sales by 25M within 24 months. Reduced Claims turn-around time and reduced settlement average by designing and
implementing “Pay less Quicker” program
Professional Consulting Company (1991 – 2012) Designed/implemented Trucking, Transport, Cargo, Risk, Safety and
Claims program. Responding to the need of Transportation Insurance Carriers, designed and implemented Driver training,
Vehicle Safety Inspection, Claims conduct and standardization reporting program that reduced unallocated loss, Workers
Compensation, First and Third party claims, Compliance management and reporting for short and long haul trucking companies
including McDonalds Transport, Safeway Transportation, LePew Trucking, Greyhound Bus Lines, Denver Transit Authority
and Swift Transportation
Principle – Scope of duties consist of managing a staff of 67 Claims Adjusters while managing all aspects of P&L,
budget and cash flow functions. Designed and managed a multi-million dollar investment portfolio for a consortium of doctors
and surgeons. Ensured the integrity of investments by utilizing fixed Arbitrage Trading platform to triple-net investment in 1
year.
Principal Casualty (2002-2005) Contracted with carrier to manage their Phoenix based Sales, Underwriting and Claims
Operations intending to run-off GL, Property and Auto lines, maintaining only Workers Compensation for duration.
Absent of violation or complaint successfully ran off intended lines within 18 months while increasing the underwriting and
growth of the Workers Compensation line enabling the sales of said business for profit.
Argonaut Insurance Co (1998-2004) Independent Medical Malpractice Claims Consultant. Investigated nearly 50
allegations of hospital/surgical mal-practice, in five state area, providing all first line defense therein eliminating, 44 filed
claims. Set up remaining claims for legal defense, providing legal audit, additional investigation and Co-Chair assistance.
Balboa Insurance Co (1992-2003) Provided Workers Compensation investigations and under-cover investigations.
Discovered 17 cases of fraudulent claims, eliminating those claims absent of litigation. Investigated/managed/settled all GL,
Pro-coverage claims in AZ, NM, and So-Cal.
In addition to adjusting BI Claims for Balboa a leader insuring co-op riding stables in the southwest, US, I devised and
implemented a Risk, Safety, Loss Prevention Plan that reduced their Liability exposures by drafting and requiring the signing
of a strong Waiver and Hold-Harmless agreement. The claims count was reduced by 50 % in the first year and by 30 % in
Defense Verdicts.
GAB Business Services I began my career with GAB as a Multi-line Adjuster Trainee, while completing my MBA and JD
degreesin night school. Groomed for executive management,I excelled rapidly and promoted to Claims and ContractAccounts
Supervisor over all GL, Auto, and Transport commercial accounts.

5. ____________Academic Credentials & Professional Certifications____________
JD (not admitted), University of Minnesota, Butler School of Law
Masters Business Administration,University of Butler Campus
Bachelor’s Degree,Business,University of Wisconsin
Bachelor’s Degree,Marketing, University of Wisconsin
Certifications: SCLA,CPCU,IIA, AIE, AIAC,CIC
Licenses: Multi-Line Adjuster