Grace Mogul

Shifted from traditional cargo underwriting to digital underwriter in May 2021, later advancing to Product Development Workstream Lead, with expanded leadership responsibilities. Spearheaded digital transformation initiatives in cargo insurance, leveraging technical and strategic expertise. Granted underwriting authority of $40M in 2022, underscoring the capability to manage high-value portfolios with precision and trust.

Notable impact:

• Product Development: Directed the creation and rollout of digital products propositions. Defined underwriting rules, business requirements, and regional adaptations (e.g., IDD exemption for EMEA, Spot for Freight Forwarders in the UK), collaborating closely with Tech, Ops, and Legal teams.
• Innovative Solutions: Conceptualized the Broker Model, validated by Legal across SG, HK, and the EU, to enhance market penetration creatively. Expanded Cargo Guarantee with per-container cover and reefer fees, securing actuarial sign-off, and ensuring accurate tech implementation.
• Process Optimization: Partnered with Ops to develop process maps for M4.0 products, and established KPIs for a digital dashboard tracking underwriting, claims, and operations performance. Led ESG and AML/ITC screening process approvals with Compliance for APAC and EMEA, streamlining governance.
• Data & Analytics: Contributed to the company's data strategy insights by building the internal monitoring and sales analytics dashboards for partners, ensuring data-driven insights for stakeholders. Simplified customer journeys by refining Lite product fields, and adding tooltips with UX teams.
• Stakeholder Engagement: Managed ESL Fronter onboarding in the UAE, navigating regulatory and internal requirements, and initiated discussions with fronters in Saudi Arabia, Tunisia, and Qatar. Delivered presentations to the Singapore, UK, and Italy teams, securing internal buy-in, and supported 95% of EMEA client calls with sound underwriting decisions.
• Leadership & Collaboration: Mentored new joiners through 1:1s and Q&As, fostering rapid onboarding. Built strong relationships with Tech, Legal, Ops, and BD, adopting Kanban for 95% of work packages to boost team efficiency and alignment.

• Underwrote marine cargo risks (including stock throughput and project cargo) across APAC (excluding China), adhering to underwriting guidelines, with authority up to USD 20 million.
• Conducted renewal reviews, optimized retention strategies, and collaborated with the Head of Marine Cargo APAC to manage the Marine portfolio's profitability and growth.
• Drove profitable expansion of the marine retail book in Singapore and Hong Kong through strategic broker engagement and market visits.
• Delivered a successful presentation on Marine Stock Throughput cover at a Supply Chain Management event in Vietnam, hosted by a key broker, enhancing market visibility.
• Spearheaded the development of a Marine Certificate of Insurance issuance system, coordinating with internal teams and external vendors to streamline processes.
• Cultivated strong broker relationships across APAC, resulting in consistent new business pipelines and a notable $1.6M premium renewal deal, featured in a video testimonial for the OBR campaign.

• Underwrote marine cargo and liability risks from direct, agency, and broker channels, ensuring sound risk assessment and portfolio profitability.
• Performed renewal reviews, profit/loss analyses, and managed production, rate monitoring, and accumulation reports to support business objectives.
• Developed marketing strategies and collaterals to achieve agency distribution budget targets, while overseeing the growth of the agency book and broker portfolios.
• Designed and delivered training programs and presentations for agents and brokers at major agency events.
• Revamped agency marketing collaterals, boosting engagement, and contributing to a measurable increase in channel production.
• Strengthened broker and agency relationships, driving consistent portfolio growth, and improved renewal rates through tailored training and support.
• Enhanced underwriting accuracy by integrating profit/loss insights into risk assessment processes, optimizing portfolio performance.

• Adjudicated claims for Group and Individual policies across Singapore and Hong Kong, ensuring accurate benefits assessment, and timely resolution.
• Managed inquiries from service providers, researched discrepancies, and issued Guarantee Letters for hospitalization cases to support client needs.
• Compiled data from multiple sources to resolve complex claims, improving efficiency, and client satisfaction.
• Streamlined claims adjudication processes, reducing turnaround time, and enhancing provider trust through proactive communication.
• Successfully handled high-volume caseloads, maintaining accuracy and compliance with policy terms across two markets.

• Developed and executed strategies to grow the Accident & Health (A&H) agency distribution channel, including quarterly action plans and pipeline management.
• Delivered product training, sales tools, and marketing campaigns to empower agents and branches, driving A&H portfolio expansion.
• Maintained strong agency relationships through regular visits, managed the A&H Top Producers Club, and organized high-impact agency events.
• Conceptualized and launched targeted marketing campaigns, increasing agency channel visibility and production growth.
• Designed innovative sales tools and training modules, equipping agents to effectively distribute A&H products, and exceed sales targets.
• Grew the A&H agency book by fostering a high-performance culture, recognized through the success of the Top Producers Club initiative.