Angela Cabado, RIMS-CRMP, ARM

• Oversee the company’s casualty and property claims globally – driving operational excellence through carrier and TPA performance management and efficient claim closures across all lines of coverage. • Launched the organization’s first fully custom claims reporting Power App via API integration to claims systems – automating data capture to improve accuracy, reduce reporting lag, and accelerate adjuster assignments. • Built a centralized return-to-work program – defining new roles, SOPs, and training that achieved a 34% reduction in lost-time frequency within the first month and saved nearly $1M in total indemnity claims costs within six months. • Currently developing a scalable digital solution for employment liability claims that reimagines how Legal, Risk Management, and Finance & Accounting collaborate on financial management, reserving, and litigation strategy – extending the automation and workflow integration capabilities proven through the claims portal. • Leading data transformation across general liability and property claims management – defining custom KPIs and reporting tools to track total incurred trends, complaint conversion timeframes, and tender success rates, establishing a roadmap for predictive dashboards and performance analytics. • Lead claims review and stewardship meetings with insurance carriers, TPAs, and brokers – presenting data-driven strategies and partnering with external teams to align on outcomes, improve transparency, and drive accountability.

• Developed and implemented comprehensive workers’ compensation cost containment programs – including lost-time reduction goals, transitional duty best practices, mandatory e-learning course, and automated reporting which contributed to the stabilization of the company’s captive insurance program. • Achieved over $200k in claims cost savings by renegotiating legal billing and nurse triage contracts, driving efficiency without sacrificing service quality. • Streamlined the allocation verification process for the insurance team from days to hours by redesigning data collection methods and workflows. • Conducted a property-level risk assessment at the Welk resort due to high loss frequency, partnering with Safety & Security and HR to develop an action plan that reduced average claim costs from $13K to $4.7K – a 64% reduction within the policy year. • Led training forums and presentations for senior resort leaders across global operations on claims management best practices, risk awareness, and emerging trends.

• Led the integration of workers' compensation programs between MVW's acquisition of ILG, which doubled the number of properties and global footprint. • Served as the risk management COVID-19 SME for the company's response from 2020-2022, developing comprehensive SOPs, contact tracing systems, and safety protocols across global operations. • Secured a $2M carrier credit by identifying and pursuing claim closures for cases open over two years, collaborating with adjusters through data-supported advocacy.

• Accelerated through three promotion levels in 24 months by consistently exceeding performance metrics in claims resolution, stakeholder satisfaction and file quality audits. • Engineered workflow improvements in claims processing that streamlined adjuster efficiency and reduced administrative burden across the department. • Managed a portfolio of over 200 active workers’ compensation claims simultaneously across four state jurisdictions (Florida, Georgia, South Carolina, North Carolina), balancing regulatory compliance with cost-effective claim resolution.

• Analyzed business requirements, ensuring that proposed solutions addressed product-specific nuances and oversaw the implementation of approved solutions resulting in seamless integration and adoption across departments. • Diagnosed operational inefficiencies through comprehensive business analysis and presented data-driven solution recommendations to executive leadership.

• Managed high-volume scheduling of IMEs, FCEs and peer reviews while balancing competing priorities of adjusters, attorneys, providers and claimants.

Minor in Psychology