Ruthison Parathan

Investigative and operations-focused professional with experience making defensible decisions in regulated, high-pressure environments. Known for clear judgment, disciplined file handling, and the ability to stay composed when work is time-sensitive, high-volume, or unpredictable. Brings a strong foundation in policy interpretation, evidence review, and clear written communication, supported by a background in claims, collections, and physically active shift work.

Well-suited to frontline public service roles that require integrity, adaptability, and sound decision-making.

Accident Benefits MIG Claim Advisor - Allstate

(2024-07)

• Manage complex accident benefits claims, including out-of-province cases, ensuring decisions are consistent with provincial legislation, internal policy, and fairness principles.
• Conduct detailed investigations of claims, analyzing clinical notes, treatment plans, and Independent Examination reports to determine eligibility and appropriate settlement outcomes.
• Synthesize high volumes of sensitive information into clear, well-reasoned rationales that can withstand internal review and external scrutiny.
• Maintain a large caseload under strict statutory timelines, prioritizing issues and monitoring progress to ensure timely, documented, and defensible outcomes.
• Lead pilot initiatives to streamline claims processes, identify procedural gaps, and implement improvements that enhance consistency and reduce turnaround times.

Commercial Claims Rep II - Intact Financial Corp

(2022-03 - 2024-06)

• Reviewed and adjusted personal, commercial, fleet, and garage claims, interpreting policy language and applying it to complex fact patterns to reach balanced resolutions.
• Conducted investigations into property and auto losses as part of the CAT team, gathering information from claimants, witnesses, vendors, and documentation systems including Halcion, Audatex, Solera, Excel, and XFactorAnalysis.
• Used fraud-detection tools and structured interviews to identify inconsistencies, red flags, and potential misuse, documenting findings in clear, structured reports.
• Prepared large-loss summaries and briefings for senior management, translating technical and legal details into accessible analysis to support decision-making.
• Built strong working relationships with clients, brokers, vendors, and internal departments while contributing to special projects that improved claims operations.

Collections Analyst - Singlepointgi

(2016-07 - 2022-03)

• Processed payments and negotiated sustainable repayment arrangements, assessing client stability and constraints in a structured, evidence-based manner.
• Ensured strict compliance with privacy and regulatory guidelines in handling sensitive financial and personal information.
• Maintained accurate documentation and case notes while fostering constructive, respectful communication with clients in difficult circumstances.

Honors Bachelor of Arts - History & Political Science - University of Toronto (2016 - 2020)

Risk Management Certificate - University of Toronto SCS (2021 - 2022)