State of Maryland

A Treasury Insurance Professional, Expert is the expert level of professional insurance work in the Insurance Division of the Maryland State Treasurer. Positions in this classification perform professional Insurance work in the areas of loss restoration (Claims), loss protection (Underwriting), loss control (Risk Management/Loss Prevention), and/or loss resolution (Litigation). Employees in this classification function as technical subject matter experts in underwriting, loss control, or claims management and/or work in multiple insurance areas. Employees in this classification do not supervise other positions.

Employees in this classification receive general supervision from a Treasury Insurance Professional Supervisor or other designated administrator. The work may require travel throughout Maryland, including overnight travel-related to inspections, mediation, court proceedings, conferences and trainings, etc.  Employees may be required to carry an emergency phone and respond to emergency on-call incidents in cases of sudden, catastrophic events.

Positions in this classification are evaluated by using the classification job evaluation methodology. The use of this method involves comparing the assigned duties and responsibilities of a position to the job criteria found in the Nature of Work and Examples of Work sections of the classification specification.

The Treasury Insurance Professional, Expert is differentiated from the Treasury Insurance Professional Lead/Advanced in that the Treasury Insurance Professional, Expert serves as a subject matter expert for the Insurance Division and performs highly technical insurance work in underwriting, loss control, and claims management and/or covers multiple areas in insurance while the Treasury Insurance Professional, Lead/Advanced assigns, reviews and approves the work of and trains lower-level Treasury Insurance Professionals or performs specialized professional insurance work in underwriting, loss control, and claims management.  The Treasury Insurance Professional, Expert is differentiated from the Treasury Insurance Professional Supervisor in that the Treasury Insurance Professional Supervisor has supervisory responsibility for lower-level Treasury Insurance Professionals.

Serves as a subject matter expert for the Insurance Division;

Works with State agency management for training and instruction regarding programs managed by the Insurance Division;

Makes recommendations for process improvement;

Assists with preparing scope of services for insurance procurements;

Serves on panels and teams such as procurement evaluation committees, insurance review, and application enhancements for technology;

Works with the Attorney General in negotiating claim settlements and researching laws and regulations related to specific areas of the State Insurance Program;

Handles complex bodily injury, sensitive, death, Sheriff, and/or University claims as well as claims with media exposure;

Negotiates settlements with claimants within delegated authority;

Responds to Insurance Brokers and schedules meetings regarding commercial policies for the State;

Handles automobile, subrogation, first and third-party claims, and general liability claims;

Performs on-site inspections when necessary;

Interviews claimants, witnesses, and other parties;

Investigates and works claims toward resolution;

Incorporates all reports and information gathered from various parties and agencies in order to make sound liability decisions;

Sets realistic reserves on claims;

Evaluates invoices, medical bills, and other expenses for payment;

Maintains an accurate diary in order to monitor all claims assigned;

Reports claimant information for purposes of fraud detection and compliance with Medicare reporting provisions;

Reviews all commercial policies and endorsements to ensure compliance with terms, coverage, and updates;

Obtains certificates of insurance from broker for commercial policies;

Produces self-insurance certificates for self-insured coverages as requested by State agencies;

Responds to inquiries regarding insurance, claims, and commercial policies; questions about insurance and claims inquiries regarding commercial policies;

Compiles data from insurance surveys of State agency insurable inventory;

Manages the property schedule database of owned and leased properties for the State;

Assists with the calculation of State agency self-insurance premiums and blanket commercial insurance premiums;

Collaborates with agency loss control personnel to assess sources of loss and claims and to develop action plans for reducing the cost of or eliminating sources of preventable losses;

Analyzes agency loss history reports in order to identify loss trends, sources and types of loss, and make recommendations for prioritizing safe activities;

Provides educational resources and announcements to State agencies;

Responds to State agency reports of loss events during off hours;

Prepares insurance related reports; 

Performs other related duties.

Knowledge of the Maryland Tort Claims Act;

Knowledge of claims handling and investigative techniques;

Knowledge of underwriting principles and concepts;

Knowledge of self-insurance and commercial insurance coverage principles;

Knowledge of basic insurance, legal and medical terminology;

Knowledge of risk management concepts and techniques;

Skill in the use of personal computers and related software, such as Microsoft Office products;

Skill in coaching and evaluation of work product based on standards and metrics;

Ability to read and understand insurance, legal and medical terminology;

Ability to interpret the State Insurance Contract;

Ability to analyze and interpret commercial policies;

Ability to analyze, interpret and make meaningful conclusions from data;

Ability to make thorough investigations of all claims;

Ability to prepare and maintain accurate records and reports;

Ability to handle difficult problems under frequently changing situations;

Ability to establish and maintain effective working relationships with co-workers of the Insurance Division, staff of other State agencies and the general public;

Ability to organize, diary, and complete work assignments;

Ability to communicate effectively.

Education:   Graduation from an accredited high school or possession of a high school equivalency certificate.

Experience: Seven years of experience in commercial insurance dealing with settling multi-line claims, risk management, loss control, and/or underwriting.

Notes:

1. Candidates may substitute additional education at an accredited college or university, at a rate of thirty credit hours for each year of experience, for up to two years of the required experience.

2. Candidates may substitute U.S. Armed Forces military service experience as a non-commissioned officer in claims assistance and examining classification or claims assistance and examining specialty codes in the legal and kindred field of work on a year-for-year basis for the required experience.

Class Descriptions are broad descriptions covering groups of positions used by various State departments and agencies.  Position descriptions maintained by the using department or agency specifically address the essential job functions of each position.

Class Descriptions provide information about the Nature of Work, Examples of Work, General Requirements and Acknowledgements.  The Required Knowledge, Skills, and Abilities; Minimum Education and Experience Requirements; Special Requirements; and recruitment and testing procedures are set by the using agency.

This is a Skilled Service classification in the State Personnel Management System.  All positions in this classification are Skilled Service positions.  Some positions in Skilled Service classifications may be designated Special Appointment in accordance with the State Personnel and Pensions Article, Section 6-405, Annotated Code of Maryland.

This classification is not assigned to a bargaining unit, as indicated by the designation of S (Supervisor), M (Manager), T (Agency Head), U (Board or Commission Member), W (Student), X (Used by Agency or Excluded by Executive Order), or Z (Confidential).  As provided by State Personnel and Pensions Article, Section 3-102, special appointment, temporary, contractual, supervisory, managerial and confidential employees are excluded from collective bargaining.  Additionally, certain executive branch agencies are exempt from collective bargaining and all positions in those agencies are excluded from collective bargaining.