Rezwana Chowdhury

Commercial P&C underwriter with hands-on experience in SME and mid-market risks. I'm comfortable working directly with brokers, evaluating exposures, and making balanced underwriting decisions that support both customer needs and portfolio performance. I enjoy digging into the details — pricing, coverage, risk insights — and I'm equally comfortable collaborating with Product, Pricing, and operations teams to improve tools, processes, and the overall customer experience.

Commercial P&C Underwriter, Small Business - TD Insurance - Toronto

(2021-09 - 2025-09)

Official title: Underwriting Specialist, Product & Underwriting Strategy. Small Business

• Helped launch TD's SME commercial insurance product by working closely with Product and Pricing to build end-to-end solutions that made sense for customers and aligned with our risk appetite.
• Underwrote complex Commercial P&C risks by reviewing exposures, loss information, and pricing models to recommend the right coverage and terms.
• Identified opportunities to recommend additional coverages or endorsements when it made sense for the customers.
• Analyzed pricing, coverage, and portfolio performance data to identify trends, strengthen underwriting decisions, and support sustainable, diversified portfolio results.
• Helped maintain underwriting guidelines and authority documents to keep our practices consistent and disciplined.
• Used rating tools and underwriting systems to review quotes, validate pricing, and provide feedback that improved underwriting accuracy, customer outcomes, and process efficiency.
• Managed multiple priorities and time-sensitive underwriting initiatives while maintaining high standards of accuracy, service, and risk quality.
• Supported and coached junior underwriters by sharing technical knowledge and helping them build confidence in their decision-making.

Commercial P&C Underwriter, Small Business - RSA Insurance/ Intact - Mississauga

(2016-11 - 2021-09)

• Managed a portfolio of small business accounts and maintained strong retention by being accessible to brokers and consistent in my underwriting decisions.
• Reviewed exposures, loss history, and classification details to make balanced underwriting and pricing decisions within my authority.
• Met with brokers regularly to discuss submissions, clarify requirements, and improve the quality and accuracy of quotes.
• Advised brokers on coverage, endorsements, and underwriting requirements, ensuring complete and accurate submissions.
• Recommended additional coverages and endorsements when appropriate to strengthen customer protection and account profitability.
• Reviewed inspection reports and worked with brokers to address recommendations and improve risk quality.
• Partnered closely with underwriting assistants to ensure quotes, policies, and documentation were accurate and issued on time.
• Supported new underwriters by sharing best practices and helping them build their technical foundation.

Technical Underwriter Assistant - RSA Insurance - Mississauga

(2015-10 - 2016-11)

• Set up new business/ referrals in Salesforce and assessed the acceptability of the risk factors.
• Created SOP for all processing tasks, which helped to achieve efficiency, quality and uniformity of performance.
• Managed cancellations, inspection reports, endorsements, and issuance of new business policies, achieving 95% adherence to service level targets.

Finance/ Billing Representative - RSA Insurance - Mississauga

(2008-02 - 2015-10)

Developing Negotiation Strategies and Executive Presence Across Diverse Teams - Schulich School of Business - York University (2022 - 2022)

In Progress - The Insurance Institute of Canada (CIP)

Diploma - Banking and Financial Services - CDI College (2008 - 2008)

License - Canadian Security Course (CSC) - CDI College (2007 - 2007)

Bachelor of Business Administration (BBA) - Major in International Business and Finance - Independent University (2002 - 2006)