Hanisha Doreen Gonsalves
Sharjah
Summary
Results-driven Compliance Officer with 6+ years deep expertise in insurance policy validation, regulatory interpretation, and risk mitigation. Proven track record in leading compliance assessments, resolving regulatory gaps, and enhancing internal controls. Skilled in internal audits, regulatory frameworks (OFAC & AML), and cross-functional policy reviews to reduce compliance risk and support operational integrity. Adept at policy audits, risk assessments, and supporting compliance initiatives across multiple insurance products. Strong knowledge of regulatory reporting and internal control validation.
Overview
10
10
years of professional experience
1
1
Certification
Work History
Compliance Policy Validation Officer
Cigna - Nas Neuron
07.2023 - Current
- Reviewed and validated over 500 insurance policies monthly to ensure compliance with internal standards and regulatory guidelines.
- Conducted end-to-end checks on policy documentation for accuracy, completeness, and fraud prevention.
- Collaborated with underwriting and operations teams to address discrepancies or gaps.
- Led the development of a quality control checklist that improved validation accuracy by 25%.
- Assisted in preparing documentation for internal audits and regulatory reviews.
- Supported the compliance team in monitoring policy issuance, renewal, and endorsement processes.
- Flagged high-risk transactions for further review, ensuring 100% adherence to AML/KYC regulations.
- Generated weekly compliance reports and maintained audit-ready records.
- Trained 5+ junior analysts on validation protocols and documentation standards.
Senior Medical Underwriter
Cosmos Insurance Broker LLC
02.2020 - 07.2023
- Risk management, analytical thinking. Assessment of Medical Insurance requirement and advise suitable options as per HAAD & DHA Regulations. Proficiency in SME, EBP Enhanced & Basic Plans, Rates & Networks with Up to date Track of various amendments.
- Generation of quotes through the Portal & Tools as per the Requirement of client. Participating in Training sessions held by insurers and Train sub-ordinates on new products, Network & Tools.
- Gained excellent product knowledge from most of the top rated insurers - AXA, CIGNA, AETNA, OMAN, TAKAFUL, ORIENT, NOOR, ADNIC, and many more. Experienced in carrier underwriting guidelines, products, brokerage market, & reinsurance market.
- Worked on around 50 - 55 renewal groups every month and retained the client renewal targets ontime. Coordinating with insurers for end to end processing of medical policy for corporate & Individual Clients
Insurance Coordinator SME & Corporate
UniTrust Insurance Broker
05.2018 - 02.2020
- Answered all incoming Insurance phone calls, Process member requests via telephone and email regarding Medical, Motor & General Insurance. Played a continual role in analyzing competitor activities and determining where strategies could be adapted based on findings.
- Verified and ensured that insurance information and authorizations provided are current, accurate and not approaching expiration.
- Promoted the company services & products for trade show opportunities and coordinate efforts to help to get the name out there at these events.
Marketing Coordinator
Marketing Coordinator
12.2016 - 01.2018
- Supported sales staff by providing sales data, market trends, forecasts, account analyses, new product information; relaying customer services requests.
- Researched competitive products by identifying and evaluating product characteristics, market share, pricing, and advertising; maintaining research databases.
- Updated job knowledge by participating in educational opportunities; reading trade publications. Accomplishes organization goals by accepting ownership for accomplishing new and different requests; exploring opportunities to add value to job accomplishments.
Business Development Executive
Hewlett Packard
07.2015 - 09.2016
- Responsible for developing a strong professional network and utilizing that network to bring in new business referrals on a regular basis. Facilitate sales presentations and communications for upcoming joint venture opportunities and collaborative business efforts.
- Strategic ways to build market share, increase revenue, and acquire success through innovative developments in organizational structure.
- Identify ways to build brand awareness through engaging campaigns that establish the company reputation, incite curiosity, and inform potential customers.
Education
MBA - International Business, Insurance Marketing, Business Development Strategy, Business Networking, Financial Accounting
University of Greenwich
United Kingdom, London01.2018
Bachelor of Commerce - Financial Accounting, International Marketing, Business Statistics, International Business
St Aloysius College
05.2015
Skills
- Insurance Policy Validation
- Regulatory Compliance Review (KYC, AML, OFAC)
- Internal Auditing Preparation & Support
- Risk & Compliance Reporting
- Policy Development & Enforcement
- Regulatory Change Management
- Documentation & Records Management
- Process Improvement & SOP Development
Languages
Hindi - Native or Bilingual Proficiency
English - Native or Bilingual Proficiency
Hobbies and Interests
Badminton, Travelling, Community Involvement, Volunteer Work, Reading, Art, Music
Websites
Certification
- Tally Advanced (2025-06 - 2016-12)
- Advanced Excel (2017-05 - 2017-08)
- Travel and Tourism Certification (2015-05 - 2015-05)
- Driving License (2022-07 - 2027-07)
Awards
Best Month Performer (2015-12 - 2016-01) Hewlett Packard - Bangalore, India, Best Customer Service (2018-09 - 2018-10) Unitrust Insurance Broker LLC, Best Performer of the Month (2021-01 - 2021-02) Cosmos Insurance Brokers LLC
Timeline
Compliance Policy Validation Officer
Cigna - Nas Neuron
07.2023 - Current
Senior Medical Underwriter
Cosmos Insurance Broker LLC
02.2020 - 07.2023
Insurance Coordinator SME & Corporate
UniTrust Insurance Broker
05.2018 - 02.2020
Marketing Coordinator
Marketing Coordinator
12.2016 - 01.2018
Business Development Executive
Hewlett Packard
07.2015 - 09.2016
Bachelor of Commerce - Financial Accounting, International Marketing, Business Statistics, International Business
St Aloysius College
MBA - International Business, Insurance Marketing, Business Development Strategy, Business Networking, Financial Accounting
University of Greenwich
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