Experience
Focused MAP   November 2010 - Present
Dunkxchange   January 2009 - October 2014
Evel Knievel   January 2010 - January 2012
Farmers Insurance & Financial Services   June 2010 - December 2011
T-Mobile USA  2005 - 2009
Infoline Yellowpages.com   January 2004 - February 2005

Skills
Marketing Strategy, Marketing, Social Media Marketing, Direct Marketing, Online Advertising, Social Media, Social Networking, Event Planning, Marketing Communications, Public Relations, Event Management, Advertising, Sales Management, Market Planning, Strategic Planning, Account Management, Customer Service, Leadership, Blogging, Digital Marketing, Email Marketing, Coaching, Online Marketing, Team Building, Retail, Brand Management, Sales, Management, Brand Development, Entrepreneurship, Brand Awareness, Creative Direction, Digital Media, Strategy, Facebook, SEM, Business Strategy, New Business Development, SEO, Entertainment, Integrated Marketing, Lead Generation

Education
College of Southern Nevada   2009 — 2014
International Business

ITT Technical Institute   2004 — 2007
Computer Networking Systems

Coronado Highschool   1999 — 2003
General Education

Experience
Domingo and Associates   October 1996 - Present
Domingo & Associates   October 1996 - Present
Business Network International (BNI)   September 2005 - April 2013
The Domingo College Fund LLC   1994 - November 2011
Carlsbad High School Baseball Boosters   2008 - 2011
Farmers Insurance & Financial Services   1996 - 2002

Skills
Umbrella, Property & Casualty..., Workers Compensation, Insurance, Boat, Commercial Insurance, Term Life Insurance, Health Insurance, Retirement, General Insurance, General Liability, Liability, Professional Liability, Life Insurance, Umbrella Insurance, Legal Liability, Sales, Homeowners, Investment Properties, Whole Life, Underwriting, Disability Insurance, Fixed Annuities, Claim, Motorcycle, Casualty, Property, Long-term Care, Small Business, Brokers, Agents, Estate Planning, Long Term Care Insurance, Marine Insurance, Accident, Commercial Lines, Renters, IRAs, Financial Planners, Casualty Insurance

Education
California State Polytechnic University-Pomona   1985 — 1990
BS, Management, Hospitality Industry

Ocean View High School   1981 — 1985
1985, Hard Knocks, Football and college prep

Experience
Farmers Insurance & Financial Services   February 2013 - Present
Nv Dance Force   September 2009 - Present
Mercy  April 2012 - February 2013
St. Elizabeth St. Robert Regional School   September 2006 - April 2012
Dance Connection Performing Arts Center   July 2006 - May 2009
Gary Musick Company/Celebrity Cruises   July 2004 - October 2006

Skills
Event Management, Advertising, Press Releases, Management, Email Marketing, Recruiting, Sales, Customer Service, Business Development, Newsletters, Research, Microsoft Excel, Human Resources, Public Speaking, Account Management, Leadership, Marketing, Training

Education
Columbia College   2007 — 2009
M.B.A, Business Administration

University of Missouri-Columbia   2000 — 2004
B.A., Communication

Experience
M.D. Manouel Insurance Agency, INC   April 2013 - Present
Farmers Insurance & Financial Services   October 2010 - December 2012
Bank of America  2008 - 2010

Skills
Life Insurance, Insurance, Property & Casualty..., Homeowners, General Insurance, Casualty, Workers Compensation, Commercial Insurance, Underwriting, Real Estate, Long-term Care, Health Insurance, Disability Insurance, Term Life Insurance, Universal Life

Education
Buchanan High School

California State University-Fresno

Red Bank

Red Bank

Experience
Swoop Me LLC   December 2014 - Present
Mile High Advisors Group   April 2014 - Present
SIG Advisors   July 2012 - February 2014
TCC Roofing Contractors Inc.   August 2007 - October 2012
Farmers Insurance & Financial Services   November 2010 - July 2012
Nielsen  August 2001 - May 2010
Aurora Public Schools  August 2000 - June 2001

Skills
Insurance, Microsoft Office, Microsoft Excel, Customer Service, Microsoft Word, Project Management, Strategic Planning, PowerPoint, Risk Management, Property & Casualty..., Change Management, Business Analysis, Process Improvement, Health Insurance, Underwriting, Commercial Insurance, Umbrella Insurance, Motorcycle, Homeowners, Term Life Insurance, Life Insurance, Account Management, New Business Development, Sales Management, Legal Liability, Fixed Annuities, Universal Life, Whole Life, Accident, Small Business, Renters, Workers Compensation, Casualty, Disability Insurance, Employee Benefits, Liability, General Insurance, Commercial Lines, Medicare, Brokers, Long-term Care, Claim, Retirement, Critical Illness, Sales, Long Term Care Insurance, Training, Business, Financial Services, Licensed Property &...

Education
Central Michigan University   1993 — 1998
B.S. in Ed., Spanish Language Teacher Education

Experience
Carla Ramirez Insurance Agency Inc.   September 2010 - Present
Farmers Insurance & Financial Services   October 2005 - Present

Skills
Insurance, Small Business, Spanish, Commercial Insurance, Health Insurance, Annuities, Casualty, Liability, Fixed Annuities, Life Insurance, Term Life Insurance, General Insurance, Legal Liability, Workers Compensation, Renters, Property & Casualty..., Umbrella Insurance, Disability Insurance, Commercial Lines, Professional Liability, Homeowners, Brokers, Underwriting, Employment Practices..., Motorcycle, Claim, Whole Life, Casualty Insurance

Education
University of California, Los Angeles   2009 — 2009
Financial Planning and Services

Claremont McKenna College   2001 — 2005
B.A., Economics

Universitat de Barcelona / University of Barcelona   2004 — 2004
Bachelor's degree, International Marketing

Chadwick   1997 — 2001

Experience
Farmers Insurance & Financial Services   May 2008 - Present

Skills
Insurance, Life Insurance, Homeowners, Claim, Term Life Insurance, Umbrella Insurance, Commercial Insurance, Casualty, Disability Insurance, Property & Casualty..., Underwriting, Universal Life, Health Insurance, General Insurance, Legal Liability, Liability, Professional Liability, Renters, Fixed Annuities, Long-term Care, Employment Practices..., Workers Compensation, Casualty Insurance, Commercial Lines, Inland Marine, Insurance Consulting, Flood Insurance, Watercraft, RV

Education
American River College

Experience
Santa Cruz Biotechnology, Inc.   September 2013 - July 2014
Agylytyx   May 2013 - September 2013
Viet Capital Asset Management   June 2012 - August 2012
De Anza College  May 2010 - May 2011
De Anza College  May 2010 - May 2011
Farmers Insurance & Financial Services   January 2010 - April 2010

Skills
Microsoft Office, Excel, Word, PowerPoint, Digital Photography, Image Processing, Access, Accounting, Budgeting, Microsoft Word, Budgets, Microsoft Excel, Analysis, Marketing, QuickBooks, Financial Analysis, Financial Accounting, Databases, Financial Reporting, Outlook, Critical Thinking, Fundraising, Photoshop, OS X, Windows, Team Building

Education
San Jose State University   2015 — 2016
Master's Degree, Accounting, 4.0

Texas Christian University - M.J. Neeley School of Business   2011 — 2013
Bachelor in Business Administration, Accounting, 3.93

De Anza College   2009 — 2011
Associate in Liberal Arts, Business Administration, 4.0

Experience
Freightquote  January 2013 - Present
Farmers Insurance & Financial Services   August 2010 - January 2013
Kennedys Bar and Grill   December 2008 - April 2012
River City Moving and Storage   August 2002 - December 2008

Skills
Insurance, Adobe Creative Suite, Microsoft Office, Office Management, Sales Management, Customer Service, Customer Relations, Advertising, Social Media, Problem Solving, Teamwork, Team Leadership, Analysis, Transportation

Education
Avila University   2006 — 2010
Communication, Advertisement/ Public Relations

Rockhurst High School   1999 — 2002

Experience
Farmers Insurance & Financial Services   June 2011 - Present
Farmers Insurance Group  2011 - Present
McLane Company  July 2009 - January 2011
Penske Logistics  January 2009 - July 2009
Penske Logistics  October 2007 - January 2009
Transport Drivers Inc.   July 2007 - October 2007
McLane Company  July 2004 - June 2007
McLane Company  July 2000 - July 2004

Skills
Property & Casualty..., Commercial Insurance, Insurance, Workers Compensation, Life Insurance, Umbrella Insurance, Term Life Insurance, Homeowners, Whole Life, Casualty, Renters, General Insurance, Health Insurance, RV, Flood Insurance

Education
Auburn University at Montgomery   2009 — 2009
Master of Business Administration (MBA), Business Administration and Management, General

University of Kentucky   2005 — 2007
BBA, Finance

Texas Tech University   2000 — 2004
BBA, Finance

Experience
Apex Tool Group, LLC  April 2013 - Present
Farmers Insurance & Financial Services   January 2012 - April 2013
Allstate  September 2010 - January 2012

Skills
Recruiting, Insurance, Property & Casualty..., Employee Benefits, College Recruiting, Applicant Tracking..., Talent Acquisition, Employee Relations, Life Insurance, Benefits Administration, HR Policies & Procedures, Employment Law, HRIS Database Management, Training and Development, Human Resources, Training, Onboarding, Coaching, Internet Recruiting, Building Relationships, Leadership, Corporate Recruiting, Interviews, Hiring, Temporary Placement, New Hire Orientations, Technical Recruiting, Job Fairs

Education
Towson University   2011 — 2013
M.S, Human Resources Development

Bowie State University   2005 — 2009
B.S, Communications

Experience
Farmers Insurance & Financial Services   May 2004 - Present

Skills
Sales Management, Sales

Education
Augustana College
Bachelor of Arts (BA), Biology, General

Western Illinois University
Master of Science (MS), Exercise Physiology

Experience
TD Ameritrade  June 2013 - Present
TD Ameritrade  June 2013 - June 2013
TD Ameritrade  March 2013 - May 2013
Consolidated Kitchens and Fireplaces   September 2011 - March 2013
West Corporation  March 2011 - September 2011
U.S. Army   June 2007 - June 2010
Farmers Insurance & Financial Services   November 2006 - June 2007
Union Pacific Railroad  January 2004 - October 2006
Nebraska Book Company  January 2000 - September 2003
US Army  March 1994 - March 1998

Skills
Supervisory Skills, Purchasing, Customer Service, Excel, Outlook, Microsoft Office, Problem Solving, Process Improvement, Troubleshooting, Strategic Planning, Word, Inventory Management, Operations Management, PowerPoint, Public Speaking, Administration, Research, Customer Relations, Team Leadership, Analysis, Scheduling, Coaching, Documentation, Computer Hardware, Data Analysis, Project Coordination, Operating Systems, Insurance, Customer Satisfaction, Budgeting, Negotiation, Business Analysis, Compliance, Program Management, Policy, Project Planning, Leadership Development, Team Management, Event Planning, Security, Six Sigma, Social Media, MBA, Windows 7, Transportation/Logistics..., Creative Writing, Technical Writing, Published Author, Marketing, Book Sales

Education
Aspen University   2012 — 2013
Master of Business Administration (MBA), MBA, A

Doane College   1998 — 2002
BS, Information Systems Management, B+

Experience
MassMutual Financial Group  September 2012 - Present
Farmers Insurance & Financial Services   September 2011 - October 2012
MetLife  January 2007 - June 2010
Nelson-Westerberg, Inc.   September 1986 - April 2000

Skills
Disability Insurance, Retirement, Long Term Care Insurance, Insurance, Employee Benefits, Securities, Wealth Accumulation, Access, Fixed Annuities, Sales, Life Insurance, Retirement Planning, Accounting, Term Life Insurance, Long-term Care, Finance, Financial Services, IRAs, Investments, Operations Management, Process Improvement, Team Building

Education
Keller Graduate School of Management of DeVry University   1995 — 1997
MBA, Finance

DePaul University   1977 — 1981
BS, Accounting & Human Resources

Experience
Colonial Life  September 2013 - Present
Simmons Insurance Group   November 2011 - July 2013
Kansas City Life Insurance Company  November 2011 - July 2013
Farmers Insurance & Financial Services   May 2010 - November 2011

Skills
Umbrella Insurance, Property & Casualty..., Life Insurance, Disability Insurance, Universal Life, Whole Life, Term Life Insurance, Employee Benefits, Group Insurance, Account Management, Accident, Health Insurance, Sales, Claims Handling

Education
Blue Mountain Community College

Experience
US Army  September 2012 - Present
Windsor Financial Group MassMutual   May 2012 - Present
Stockton and Partners   2009 - Present
Farmers Insurance & Financial Services   May 2011 - May 2012
Contemporary Staffing Solutions  2010 - May 2011

Skills
Employee Benefits, Talent Acquisition, Recruiting, Screening Resumes, Talent Management, Benefits Administration, Interviews, Workforce Planning, Temporary Placement, Employment Law, Human Resources, Succession Planning, Cold Calling, Screening, Resume Writing, Onboarding, Insurance, PeopleSoft, Internet Recruiting, Employee Training, Payroll, Workers Compensation, Employee Relations, Leadership Development, Sourcing, Customer Service, Organizational..., Vendor Management, Leadership, Employee Engagement, Applicant Tracking..., Financial Services, HR Policies, Account Management, Career Development, Team Building, Strategic Planning, Contract Recruitment, Outlook, Background Checks, Technical Recruiting, Benefits Negotiation, Teamwork, Personnel Management, Performance Management, Event Management, Project Management, Hiring, Finance, New Hire Orientations

Education
Defense Language Institute   2013 — 2014
Associate of Arts (A.A.), Arabic Language and Culture

Smith College   2007 — 2010
Theatre, Religion, Archaeology

Rutgers University-New Brunswick
Statistics, Mathematics, Fine Arts

Cochise College   2015 — 2015
Associate of Arts and Sciences (A.A.S.), Intelligence Organization Studies

Harvard University   2015 — 2015
CORE: Credential of Readiness

Experience
Farmers Insurance & Financial Services   September 2010 - Present
Ron Hernandez DDS   January 2005 - Present
Smith Barney  August 1998 - October 2007

Education
Central Washington University
BA, Operation Management and Information System

Experience
Farmers Insurance & Financial Services   September 2010 - Present
Verizon Wireless  March 1999 - May 2009

Education
California State University-Sacramento   1991 — 1995
Business Administration

Experience
Farmers Insurance & Financial Services   December 2000 - Present
Phillips Carlisle   1998 - 2000
Q Sports Club   1996 - 1998
Sewell Automotive Companies  1995 - 1996

Skills
Insurance, Commercial Insurance, Customer Service, Property & Casualty..., Umbrella Insurance, Term Life Insurance, Life Insurance, Casualty, Time Management, General Insurance, Legal Liability, Health Insurance, Fixed Annuities, Liability, Commercial Lines, Small Business, Workers Compensation, Homeowners, Renters, Professional Liability, Universal Life, Whole Life

Education
Amberton University   1997 — 1999
MBA, Business Management

Texas A&M University   1993 — 1995
Bachelor's Degree, Psychology

Texas Christian University   1991 — 1993
General Studies

Allen High School   1987 — 1991
High School, Honors

Experience
Northeast Insurance Advisors   January 2014 - Present
Aflac  January 2010 - Present
Farmers Insurance Group  March 2013 - January 2014
Farmers Insurance & Financial Services   October 2010 - March 2013
Epic Event Center   November 2008 - November 2009
D'Amico Catering  October 2004 - October 2008

Skills
Event Management, Marketing, Sales, Customer Service, Public Relations, Budgets, Strategic Planning, Leadership, Insurance, Time Management, Management, Business Development, Recruiting, Market Research, Human Resources, SEO, Networking, Benefits Administration, Employee Relations, Payroll, Event Planning, Operations Management, Social Media, Social Media Marketing, Trade Shows, Social Networking, Negotiation, Hospitality, Advertising, Team Building, Email Marketing, CRM, Training, Public Speaking, Sales Management, Retail, Business Planning, Lead Generation, Marketing Management, Customer Satisfaction, Account Management, Small Business, Selling, Cold Calling, Project Management, Strategic Partnerships, Sales Process, Customer Relations

Education
University of Minnesota-Twin Cities   1987 — 2013
Bachelor of Applied Science (B.A.Sc.), Graphic Design

State of MN   2009 — 2012
Resident Producer - Property/Casualty, Life,Health and Disability, Insurance

Arizona State University   1984 — 1987
fine arts and marketing

Experience
Farmers Insurance & Financial Services   May 2006 - Present

Skills
Casualty, Umbrella Insurance, Commercial Insurance, Property & Casualty..., Legal Liability, Term Life Insurance, Commercial Lines, Renters, Liability, General Insurance, Professional Liability, RV, Homeowners, Life Insurance, Inland Marine, Health Insurance, Workers Compensation, Disability Insurance, Underwriting, Insurance, Claim, Casualty Insurance

Education
California State University-Northridge   1987 — 1990
Bachelor's degree, Mathematics and Statistics, 3

Technische Universität Wien / Technical University Vienna   1981 — 1985
Bachelor of Science (B.S.), Mathematics

Experience
Young Men Christian Association  August 2011 - Present
Farmers Insurance & Financial Services   April 2010 - Present
Mountain West Financial, Inc.   April 2007 - November 2010

Skills
Term Life Insurance, Life Insurance, Commercial Insurance, Health Insurance, Insurance, Property & Casualty..., Disability Insurance, Workers Compensation, RV, Watercraft, Renters, Flood Insurance, Homeowners, ATV, Universal Life, Whole Life, Agents, Customer Service, Umbrella Insurance, Motorcycle, Property, Long-term Care

Education
Cal State San Bernardino   2010 — 2012
Bachelor of Arts (B.A.), Psychology

CSU Sacramento   2007 — 2009

Experience
Live Nation Entertainment  April 2015 - Present
Dex Media  August 2011 - April 2015
Farmers Insurance & Financial Services   January 2011 - August 2011
Intuit  June 2009 - December 2010
Satyam Computer services Limited  June 2001 - December 2006

Skills
Spring, Agile Methodologies, Java Enterprise Edition, JSP, Java, Hibernate, Ant, Databases, Database Design, Android, SQL, Oracle, Servlets, JDBC, JBoss Application Server, XML, Integration, JUnit, Maven, Struts, Tomcat, SOA, JMS, Scrum, Eclipse, Software Development, Web Applications, JavaScript, AJAX, EJB, SDLC, REST, Mobile Applications, JSF, Websphere, SOAP, jQuery, Analysis, Weblogic, PL/SQL, Scala, Spring Framework

Education
Bharathiar University   1997 — 2001
Bachelor of Engineering (B.E.)

Experience
Farmers Insurance & Financial Services   April 2011 - December 2011
TAG/Perot Systems/Dell   May 2003 - February 2010
Transamerica Worksite Marketing  January 2001 - November 2002
Waddell & Reed  January 2000 - January 2001
Transamerica Occidental Life  1998 - 2000
Transamerica Occidental Life  January 1973 - January 1998

Skills
Workers Compensation, Home, Insurance, Claim, Health Insurance, Term Life Insurance, Disability Insurance, Employee Benefits, Underwriting, Risk Management, Fixed Annuities, Customer Service, Marketing, Sales Management, Team Building, Life Insurance, Property & Casualty..., Commercial Insurance, Account Management, New Business Development

Education
Rockhurst University   1995 — 1997
MBA, Business Administration

California State University-Fullerton, Mihaylo College of Business and Economics   1982 — 1992
BA, Business Administration, Economics Concentration

Bloom Township High School
H.S. Diploma, College Prep

Experience
Master Chemical Corporation  September 2012 - Present
Farmers Insurance & Financial Services   September 2011 - July 2012
Toledo Mud Hens Baseball Organization   October 2006 - September 2011
Washington Local Schools  October 2006 - August 2011
Enterprise Rent-A-Car  October 2005 - October 2006
Detroit Tigers Baseball Organization   December 2003 - October 2005

Skills
Management, Event Management, Training, Recruiting, Interviews, Recruitment Advertising, Interview Preparation, Event Planning, Customer Satisfaction, Sourcing, Human Resources, Leadership, Applicant Tracking..., Microsoft Word, Customer Service

Education
Bowling Green State University   1999 — 2004
Bachelor's degree, Management

Experience
Steele Insurance Agency  October 2011 - Present
Farmers Insurance & Financial Services   January 2009 - October 2011
AT&T Advertising Solutions  January 2007 - January 2009
Corporate Express  2003 - 2005
PeopleSoft  January 2000 - November 2003

Skills
Selling, Marketing, Sales, Sales Management, Direct Sales, Account Management, Team Building, Cold Calling, Insurance, Customer Retention, Salesforce.com, New Business Development, Sales Presentations, Sales Process, Small Business

Education
California State University-Sacramento

San Ramon High

Experience
Fashion forms  June 2013 - Present
Farmers Insurance & Financial Services   May 2009 - September 2011
HCI America   April 2008 - June 2009
Premier Tax Service  June 2007 - May 2009
Countrywide  October 2002 - June 2007

Skills
Payroll, Customer Service, Mortgage Lending, Insurance, Credit, Accounting, Loans, QuickBooks, Financial Statements, Microsoft Word, Finance, Microsoft Office, Microsoft Excel, Outlook, Account Reconciliation, Bookkeeping, Journal Entries, Small Business, Employee Benefits, Spanish, Real Estate, Accounts Receivable, Tax, Cash Flow, Financial Reporting, Auditing, Accounts Payable, Financial Analysis, Tax Preparation, PowerPoint, Life Insurance, Term Life Insurance, Credit Risk, Accounts Payable &..., Management, Sales, Banking, Risk Management, Leadership, Sales Management, Cash Management, Invoicing

Education
California State University-Northridge   2014 — 2016
Bachelor of Science (BS), Accounting

Ventura College   2012 — 2014
Associate of Science (A.S.), Accounting and Business/Administration

ITT Technical Institute   2002 — 2003
BS, Telecommunications

ITT Technical Institute   2000 — 2002
Associate of Science Degree, Electronics Engineering Technology

Experience
Medtronic  October 2008 - Present
Mary Kay, Inc.   May 2006 - Present
PeopleServingPeople   October 2001 - November 2008
Star Tribune  October 2000 - March 2008
Farmers Insurance & Financial Services   March 1989 - August 2006
Rust Consulting  October 1996 - May 2000

Education
Bethel University   2004 — 2006
BA, Organizational Leadership

Spring Lake Park High School   1981 — 1985

Experience
Coldwell Banker Burnet  September 2003 - Present
Grace Manor Ministries   1985 - 2014
The Fridley Foundation   May 2010 - May 2012
Grand Entrance LLC   January 2007 - December 2011
Northwest Airlines  October 2000 - September 2005
Ryan International Airlines  2002 - 2003
Farmers Insurance & Financial Services   June 1974 - August 2000
Fridley Middle School  September 1990 - June 1998

Skills
Real Estate, Home Staging, Buyers, Sellers, First Time Home Buyers, Short Sales, Foreclosures, Investment Properties, REO, Residential Homes, Relocation, Luxury, New Home Sales, Single Family Homes, Condos, Listings, Buyer Representation, Townhomes, Investors, Real Property, Referrals, Real Estate Transactions, Selling, SFR, Sales, Property, Rentals, Relocation Buyers, Seniors, Property Management, Commercial Real Estate, Customer Service, Negotiation, Marketing

Education
Prosource   2003 — 2003
License, Real Estate

Prosource   1982 — 1982
Insurance

Bethel University   1975 — 1976
Vocal Performace

Fridley High School   1972 — 1975

Experience
New Image Creative Group   January 2005 - Present
Farmers Insurance & Financial Services   2010 - 2011

Education
Ball State University   2000 — 2002
Associate of Arts (A.A.), English Language and Literature/Letters

Experience
Whiteboard Communications   July 2015 - Present
Greek Farms International   November 2014 - Present
National Agents Alliance Corporate  September 2014 - Present
Whiteboard Communications   April 2011 - November 2011
Farmers Insurance & Financial Services   January 2011 - June 2011
Olivamed, LLC   August 2008 - January 2011

Skills
Direct Sales, Merchandising, Product Management, Logistics, Insurance, Sales Management, Sales, New Business Development, Cold Calling, Account Management, Customer Service, Marketing, Customer Retention, Life Insurance, Strategic Planning, Business Planning, Leadership, Product Development

Education
Cincinnati State Technical and Community College
Associates, Electro-Mechanical Engineering

Experience
Farmers Insurance & Financial Services   December 2010 - Present

Education
California State University-Northridge   2007 — 2009
B.S. Finance, Business

Experience
Farmers Insurance & Financial Services   Insurance AgentUSAAOctober 2004 - July 2010
Folsom Community Correctional Facility (Folsom C.C.F.)   January 1996 - July 2003

Education
American River College

Experience
Farmers Insurance & Financial Services   June 2008 - Present
Sonoma Restaurant Group   March 2002 - December 2007

Skills
Property & Casualty..., Term Life Insurance, Health Insurance, Insurance, Umbrella Insurance, Employee Benefits, Management, Sales, Casualty, Commercial Insurance, Life Insurance, Legal Liability, Underwriting, Homeowners, Liability, Casualty Insurance

Education
Dallas Baptist University   1992 — 1996
BA Management, Management, Marketing, Strategies

Experience
Farmers Insurance & Financial Services   August 2002 - Present
QuickStep Tax Preparation Service   January 2001 - Present
Intel  July 2000 - July 2002
Motorola  August 1994 - June 2000

Skills
Insurance, Property & Casualty..., Fixed Annuities, Finance, Claim, Life Insurance, Customer Service, Homeowners, Tax Preparation, Business Planning, Disability Insurance, Management, Umbrella Insurance, Commercial Insurance, Health Insurance, General Insurance, Casualty, Marketing, Team Building, Strategic Planning, Sales, Project Management, Leadership

Education
Arizona State University, W. P. Carey School of Business   2000 — 2002
Master of Business Administration (MBA), MBA

University of California, Berkeley   1990 — 1994
BS, Chemical Engineering

Experience
Farmers Insurance & Financial Services   June 2011 - Present
Farmers Insurance  December 2008 - June 2011
Farmers Insurance  May 2005 - December 2008
Foremost Insurance  November 2003 - May 2005

Skills
Property & Casualty..., Commercial Insurance, Commercial Lines, Legal Liability, Liability, Workers Compensation, Professional Liability, Insurance, Claims Management, Liability Analysis, Claim Investigation, Risk Management, Marine Insurance, Account Management, Property Claims, Claims Handling, Property Damage, Subrogation, Litigation Management, Sales Presentations, Sales, Team Leadership, Building Relationships, Casualty

Education
Calvin College
Bachelor of Science (BS), Business Administration and Management, General

University of Findlay

Experience
Emprise Bank  December 2013 - Present
Emprise Bank  March 2013 - December 2013
Emprise Bank  November 2011 - March 2013
Emprise Bank  March 2007 - November 2011
Farmers Insurance & Financial Services   March 2006 - January 2007
Movie Gallery  October 2003 - May 2006

Skills
Management, Banking, Customer Service, Team Building, Consumer Lending, Sales, Small Business Lending, Retail Banking, Budgets, Loans, Credit, Leadership, Mortgage Lending, Recruiting, Commercial Banking, Risk Management, Credit Analysis, Retirement Planning, Social Security, Medicare, Debt Elimination, Estate Planning, Insurance

Education
College for Financial Planning   2013 — 2014
Chartered Retirement Planning Counselor

Wichita State University
Bachelor's Degree, Field Major - Sociology, Aging, Finance

Experience
BTIS  June 2014 - Present
Scottishamerican Insurance General Agency, Inc.   May 2013 - May 2014
Farmers Insurance & Financial Services   August 2011 - May 2013
RC Nielsen Insurance Services   August 2011 - May 2013
Vanderlip Insurance Agency   May 2004 - February 2006
NBI  2001 - 2004
Abraham & Associates   May 2001 - May 2002
Wells Fargo Bank  August 1999 - May 2001

Skills
Legal Liability, Professional Liability, Workers Compensation, Health Insurance, Marketing, Disability Insurance, Surety Bonds, Excess, Commercial Insurance, Property, Underwriting, Insurance, General Insurance, Umbrella Insurance, Casualty Insurance, Liability, Brokers, Life Insurance, D, Employment Practices..., Claim, Customer Service, Term Life Insurance, Inland Marine, Small Business, Risk Management, Insurance Brokerage, Management, Liability Analysis, Homeowners, Sales, Employee Benefits, Reinsurance, Long-term Care, Account Management, New Business Development, Whole Life, Customer Retention, Universal Life, Business Development, Sales Management, Team Building, Microsoft Office, Fixed Annuities, Financial Services

Education
California State University-Sacramento   1999 — 2001
Bachelor's degree, Psychology

Sierra College   1997 — 1999
Associate of Arts (AA), Psychology

Experience
Northern California Recycling Association (NCRA)   May 2015 - Present
Coldwell Banker Residential Brokerage  March 2014 - Present
Recycle For Change   November 2013 - Present
Good Earth Natural Foods  2013 - 2014
Onsite Electronics Recycling, LLC   January 2012 - March 2013
Modesto Court Room   June 2008 - January 2013
Farmers Insurance & Financial Services   December 2010 - December 2011
Waste Managment  June 2009 - December 2010
Indymac Bank  June 2007 - January 2008
First NLC Financial Services  August 2004 - May 2007

Skills
Training, Community Outreach, Sales, Recycling, Waste Management, Strategic Planning, Nonprofits, Marketing, Sustainable Business, Team Building, Negotiation, Fundraising, Public Speaking, Non-profits, Environmental Awareness, Proposal Writing, Mortgage Lending, Public Relations, Social Media Marketing, Real Estate, Business Strategy, Environmental..., Environmental Policy, Research, Underwriting, Business Development, Sustainability, Customer Service, Program Development, Account Management, Budgets, Analysis, New Business Development, Mortgage Finance, Real Estate Financing, Project Management, Communication, Compliance, Problem Solving, Social Media Outreach, Environmental Compliance, Government Procurement, Community Development, Government, Editing, Microsoft Excel, Social Networking, Selling, Coaching, Grant Writing

Education
UCCE Marin Master Gardeners   2014 — 2014
Certified Master Gardener, Horticulture

California State University-Stanislaus   2001 — 2004
Bachelor of Arts, BA Economics & BA Political Science

Universität Bayreuth / University of Bayreuth   2000 — 2001
German Language Proficiency, Germanic Languages, Linguistics and Intercultural Communications

University of California, San Diego   1999 — 2000
Economics & Political Science, International Relations and Affairs

Modesto Junior College   1997 — 1999
Associate of Arts (A.A.), Liberal Arts and Sciences/Liberal Studies

Peter Johansen High School
General Education

Zero Waste Business Associate
Zero Waste

Experience
Farmers Insurance & Financial Services   2009 - Present
Johnson Marble Machinery, Inc.   July 1997 - June 2009
Great-West Life  April 1995 - April 1997
The Capital Group / American Funds   October 1991 - April 1997

Skills
Commercial Insurance, Property & Casualty..., Umbrella Insurance, Insurance, Professional Liability, Life Insurance, Term Life Insurance, Underwriting, Disability Insurance, Fixed Annuities, Long-term Care, Renters, Legal Liability, Casualty, Workers Compensation, Listings, Real Estate, Marketing, Brokers, Single Family Homes

Education
California State Polytechnic University-Pomona   1984 — 1989
BS, Finance, Real Estate and Law

Damien High Scool   1979 — 1983

Experience
Philadelphia Insurance Companies  September 2015 - Present
Farmers Insurance & Financial Services   January 2011 - August 2015
Auto Club Of So California  December 2008 - January 2011

Skills
Life Insurance, Disability Insurance

Education
California State University-Northridge
Bachelor, Journalism

Experience
General Electric  September 2011 - Present
GE Money  June 2002 - Present
Genworth Financial  December 1994 - October 1998
Farmers Insurance & Financial Services   May 1986 - November 1994

Skills
Leadership, Sourcing, Budgets, Finance, Six Sigma, Process Improvement, Cross-functional Team..., Vendor Management, Strategic Sourcing, Operational Excellence, Business Process..., Operations Management, Financial Analysis, Change Management, Black Belt, Risk Management, Outsourcing, Financial Modeling, Management, Global Sourcing

Education
Franklin University   1985 — 1990
Bachelor of Arts (B.A.), Accounting

Columbus State Community College   1985 — 1987
Associates, Accounting

Experience
AXA Advisors, LLC  August 2014 - Present
Edward Jones  June 2013 - December 2013
Northwestern Mutual  August 2012 - April 2013
Farmers Insurance & Financial Services   2011 - 2012
Vista Chamber of Commerce  2009 - 2011

Education
California State University-San Marcos - College of Business Administration   2005 — 2008
Bachelors

Rancho Buena Vista High School   1994 — 1998
Diploma

Experience
Great West Restoration   June 2015 - Present
KBJC Services   April 2013 - June 2015
Farmers Insurance & Financial Services   September 2012 - June 2015
State Farm Insurance  April 2012 - September 2012
The Medical Center of Aurora/Centennial Medical Plaza  April 2007 - March 2012
Rural/Metro Ambulance Company   April 2006 - April 2007

Skills
Leadership, Insurance, Health Insurance, Training, Risk Management, Property & Casualty..., Life Insurance, Commercial Insurance, Healthcare, Medical Education, Firefighter I & II, Direct Sales, Marketing, Umbrella Insurance, General Insurance, Fitness, Office Administration, Account Management, Building Materials, Building Maintenance, Project Management, Management, Construction, Construction Safety, OSHA, Hazardous Materials, Hazmat Operations, Residential Roofing, Relationship Building, Teamwork, Team Building, Team Motivation, Team Leadership

Education
Arapahoe Community College

Arapahoe Community College
Associate of Arts and Sciences (A.A.S.), Biology/Human Performance

Rescue 1
Emergency Medical Technology/Technician (EMT Paramedic), #3 in graduating class

Experience
Farmers Insurance & Financial Services   June 2009 - Present
JC Penney  December 2003 - December 2009

Skills
Commercial Insurance, Customer Retention, Risk Management

Education
California State University-Fullerton, Mihaylo College of Business and Economics   2007 — 2009
Bachelors, Finance and Risk Management

Experience
First Sierra Insurance Services   August 2013 - Present
Farmers Insurance & Financial Services   August 2005 - October 2013

Skills
Insurance, Health Insurance, Retirement Planning, Term Life Insurance, Life Insurance, Disability Insurance, Long-term Care, Fixed Annuities, Universal Life, Whole Life, Medicare, Employee Benefits, Estate Planning, Long Term Care Insurance, Licensed Life, Critical Illness, Key Person Insurance, Permanent Life Insurance, Casualty, Property, Casualty Insurance, Medicare Advantage, Medicare Supplements

Education
National University   1999 — 2001
Master of Education in Crosscultural Teaching, Education

California Polytechnic State University-San Luis Obispo   1986 — 1990

California Polytechnic State University-San Luis Obispo

Experience
Farmers Insurance & Financial Services   November 2008 - Present
Target Optical  2005 - 2008

Skills
Customer Service, Insurance, Property & Casualty..., Term Life Insurance, Microsoft Word, General Insurance, Motorcycle, Training, Recruiting, Strategic Planning, Small Business

Education
Brigham Young University - Idaho   1998 — 2000
Associate's degree, History

Dakota Ridge   1996 — 1998

Experience
Farmers Insurance & Financial Services   2005 - Present
Christoffersen Insurance Agency   2005 - Present
Merin Insurance Agency   March 1995 - June 2005
Wallace Transport   1985 - 1988

Skills
Insurance, Universal Life, Commercial Lines, Commercial Insurance, Renters, Homeowners, Term Life Insurance, Umbrella Insurance, Whole Life, Life Insurance, RV, Disability Insurance, Property & Casualty..., Health Insurance, Liability, Workers Compensation, Pet Insurance, Customer Service

Education
Brigham Young University - Idaho   1983 — 1984
AA, General Education

Ricks College   1983 — 1984
AA, General Education

Chowchilla Union High School   1978 — 1982

Experience
Poms & Associates  May 2009 - Present
Zurich Financial Services / Farmers Group, Inc.   August 2008 - April 2009
Zurich Financial Services / Farmers Group, Inc.   January 2007 - July 2008
Zurich Financial Services / Farmers Group, Inc.   March 2001 - December 2006
Farmers Insurance & Financial Services   1996 - 2001

Skills
Insurance Brokerage, Property & Casualty..., Strategic Financial..., Board Presentations, Debt & Equity Capital..., Treasury Management, Commercial Banking, Commercial Insurance, Financial Reporting, Accounting, Finance, Forecasting, Broker-Dealer Operations, Covenant Compliance, Mergers & Acquisitions, Insurance, Shared Services, Board of Directors, Talent Acquisition, Insurance Agency..., Business Process..., Risk Management, Loss Prevention, Cash Flow Management, Financial Modeling, Insurance Billing, Acquisition Integration, Tax Audits, S Corporations, Operational Due..., Underwriting, Auditing, Financial Risk, Financial Planning, General Insurance, Workers Compensation, Employee Benefits, Financial Statements, Legal Liability, Financial Analysis, Management

Education
California State University-Northridge   1984 — 1988
BS, Accounting

Experience
Farmers Insurance & Financial Services   September 2010 - March 2014

Skills
Microsoft Office, Sales, Customer Service, Account Management, Microsoft Excel, Sales Management, Strategic Planning, Management, Marketing, Cold Calling, Insurance, Underwriting, Commercial Insurance

Education
Auburn University, College of Business

Experience
OneSolution Insurance & Financial Services, Inc.   2011 - Present
Farmers Insurance & Financial Services   2005 - 2011
Sun Life Financial  2000 - 2004
Conseco  1997 - 2000
Jackson National Life  1994 - 1998
The Investment Center - Union Planters National Bank   1990 - 1994
C&S National Bank (NationsBank/Bank of America)   1986 - 1990
Pentagon Federal Credit Union  1983 - 1986
Northwestern Mutual Life  1978 - 1983

Skills
Sales Management, Strategic Planning, Insurance, Retirement, 401k, Mutual Funds, Relationship Management, Selling, Universal Life, Account Management, Sales, Whole Life, Life Insurance, Team Building, Variable Annuities, Retirement Planning, IRAs, Property & Casualty..., Securities, Series 63, Term Life Insurance, Investments, Series 7, Business Planning, Homeowners, Workers Compensation, Risk Management, General Insurance, New Business Development, Renters, Long-term Care, Financial Services, Umbrella Insurance, Series 6, Recruiting, Financial Distribution..., Annuities - Variable,..., Life, Health, P&C..., Strategic Financial..., Financial Planners, Commercial Insurance, Professional Liability, Legal Liability, Brokers, Long Term Care Insurance, Accident, Disability Insurance, Critical Illness, Health Insurance

Education
The American College   2009 — 2012
LUTC

College for Financial Planning   2005 — 2006
Certified Financial Planner

George Mason University - School of Business   1977 — 1980
BS

Experience
Farmers Insurance & Financial Services   January 2002 - Present
David R. Daneliak Agency   January 2002 - Present
Promotion In Motion  2000 - 2001
F&F Foods  1997 - 2000
Farley Candy Company   1989 - 1996

Skills
Commercial Insurance, Property & Casualty..., Renters, Insurance, Workers Compensation, Estate Planning, Underwriting, Asset Protection, Sales Management, Term Life Insurance, Team Building, Life Insurance, Legal Liability, Fixed Annuities, Long-term Care, Disability Insurance, Umbrella Insurance

Education
DePaul University - Charles H. Kellstadt Graduate School of Business   1991 — 1993
MBA, Marketing

University of Illinois at Urbana-Champaign   1985 — 1989
BA, Economics

Experience
YP  August 2015 - Present
GO! Capital  February 2014 - March 2015
Lucas Group  April 2013 - February 2014
American Electronic Resource   January 2012 - December 2012
Farmers Insurance & Financial Services   February 2008 - December 2012
Celtic Leasing Corp.  January 2001 - October 2007

Skills
Sales, Sales Management, New Business Development, Account Management, Sales Operations, Business Development, Direct Sales, Leadership, Negotiation, Cold Calling, Product Management, Contract Negotiation, Marketing Strategy, Marketing, Business Strategy, Employee Benefits, Sales Process, Social Media, Small Business, Social Media Marketing, Sourcing, Pricing, Process Improvement, Interviews, Analysis, Team Building, Management, Recruiting

Education
California Polytechnic State University-San Luis Obispo
Bachelor of Arts, Political Science

California Polytechnic State University-San Luis Obispo
Bachelor's degree, Political Science and Government

Experience
Devine Insurance Solutions   March 2007 - Present
Devine Insurance Solutions   March 2007 - Present
InterWest Insurance Services  June 2004 - December 2006
Farmers Insurance & Financial Services   April 2003 - April 2004
UC Davis  January 1988 - June 1992
Peace Corps  1979 - 1981

Skills
Property & Casualty..., Professional Liability, Umbrella Insurance, Insurance, Commercial Lines, Casualty, Small Business, Commercial Insurance, Liability, Legal Liability, Workers Compensation, Farms, Inland Marine, D&O, General Insurance, Homeowners, Flood Insurance, Fraternal Nonprofits, Community Sports

Education
University of California, Davis   1984 — 1987
Masters of Science, International Agricultural Development/ Ag. Ed

California Polytechnic State University-San Luis Obispo   1975 — 1978
Bachelor's of Science, Animal Sciencees

De Anza College   1973 — 1974

Monta Vista High School   1969 — 1973
Degree in Fun, Man on Campus

Experience
Summit Funding, Inc.   January 2015 - Present
Landmark Professional Mortgage  March 2013 - May 2014
Fairway Independent Mortgage Corporation  July 2012 - February 2013
HomeTown Lending a DBA of Bay Equity LLC.   October 2010 - July 2012
Farmers Insurance & Financial Services   April 2005 - October 2011

Skills
Mortage Loan Consulting, Financial Management, Financial Planning, Refinance, Investment Properties, Finance, Financial Services, Mortgage Lending, Loans, USDA, VA loans, FHA, Mortgage Banking, First Time Home Buyers, Underwriting, Residential Mortgages, Construction Loans, Credit, Loan Origination

Education
Columbia Basin College   1992 — 1994

Experience
Davis Financial Advisors   January 2012 - Present
Scheer Wealth   June 2008 - January 2012
Sojourn Financial   June 2006 - June 2008
Farmers Insurance & Financial Services   August 2002 - May 2006
Northwestern Mutual  May 1999 - August 2002

Skills
Strategic Financial..., Investments, Wealth Management, Retirement, Portfolio Management, Risk Management, Life Insurance, Alternative Investments, Tax-advantaged..., Retirement Planning, Finance, Financial Advisory, Investment Management, Financial Planning, Series 63, Mutual Funds, Wealth, Series 7, Wealth Management..., Asset Allocation

Education
Baylor University   1994 — 1999
Bachelor of Business Administration (BBA), Marketing/Marketing Management, General

Baylor University   1994 — 1999
BBA , Marketing/Marketing Management, General

Experience
Kansas Gas Service  May 2009 - Present
Farmers Insurance & Financial Services   January 2008 - April 2009
Embarq  May 2006 - December 2007
Sprint  September 1998 - May 2006
Missouri Gas Energy  February 1994 - September 1998
Westar Energy  May 1992 - February 1994
Kansas Gas and Electric   July 1988 - May 1992

Education
Emporia State University   1985 — 1988

Baker University
Masters, Business Administration

Experience
Farmers Insurance  September 2012 - Present
Farmers Insurance & Financial Services   March 2006 - September 2012

Skills
Property & Casualty..., Commercial Insurance, Risk Management, Health Insurance, Process Improvement, Requirements Analysis, Vendor Management

Education
California State University-Northridge   1996 — 2001
Bachelor of Science, Sociology

Experience
Farmers Insurance & Financial Services   June 2008 - Present

Education
DePaul University - Charles H. Kellstadt Graduate School of Business   1998 — 2000

Experience
Farmers Insurance & Financial Services   May 2007 - Present

Skills
Umbrella Insurance, Commercial Insurance, Property & Casualty..., Renters, Homeowners, Life Insurance, Term Life Insurance, Customer Service, Workers Compensation

Education
Bowling Green State University   1995 — 1999
Bachelor of Arts in Communication

Experience
Farmers Insurance & Financial Services   March 2011 - Present
Holiday Inn Hotel & Suites  April 2009 - July 2010
Latino Chamber of Commerce of Pueblo   August 2007 - April 2009

Education
Colorado State University-Pueblo   2004 — 2007
BSBA, Business Management & Marketing

Experience
El Centro College  January 2011 - Present
Sway Remodel   2010 - Present
The Delta Companies  April 2009 - July 2009
AMN Healthcare  January 2007 - February 2009
Farmers Insurance & Financial Services   May 2003 - November 2006

Skills
Model Certified..., Customer Service, Recruiting

Education
El Centro College   2010 — 2013
Associate's degree, Interior Design

Abilene Christian University   1999 — 2003
BS, Marketing and Management

Experience
Farmers Insurance  December 2008 - August 2011
Farmers Insurance & Financial Services   June 2005 - March 2007
The Indianapolis Star  2001 - 2007

Education
Nova Southeastern University   2003 — 2004
Masters, Education

Butler University   1995 — 1999
Science, Education

Decatur Central High School   1992 — 1995

Experience
Farmers Insurance & Financial Services   March 1990 - Present
Farmers Insurance and Financial Services  January 1977 - March 1990

Skills
Selling, Sales, Insurance, Umbrella Insurance, Fixed Annuities, Sales Management, Customer Service

Education
College of the Canyons

Experience
Farmers Insurance & Financial Services   February 2011 - Present
BJ's Restaurants, Inc.   January 2006 - Present
Clear Channel Radio  February 2009 - June 2010
KCSN 88.5FM   January 2008 - May 2009

Education
California State University-Northridge   2005 — 2009
BA, Broadcast Journalism

Experience
Farmers Insurance & Financial Services   January 2007 - Present

Skills
Umbrella Insurance, Universal Life, Commercial Lines, Long-term Care, Sales Management, Strategic Planning, Life Insurance, Series 6, Commercial Insurance, Property & Casualty..., Term Life Insurance, ATV, Microsoft Excel, Business, Legal Liability, Team Leadership, Marine Insurance, Health Insurance, Renters, Home, Customer Service, Insurance, Fixed Annuities, Casualty, Disability Insurance, Inland Marine, Motorcycle, Whole Life

Education
Creighton University

Experience
Foxsemicon   May 2014 - Present
Farmers Insurance & Financial Services   February 2010 - May 2010
STEPHANIE DANCE SHOES, INC.   October 2009 - February 2010
PURPLR FROG GEAR   June 2008 - August 2008
CHAI TAI SILK CO., LTD BRIDAL TEXTILE, TAIWAN   January 2002 - September 2004

Education
Silicon Valley University   2009 — 2010
Master, Business

Academy of Art University   2004 — 2008
BFA, Fashion design

Experience
Farmers Insurance & Financial Services   April 2003 - Present
Farmers Insurance  2003 - Present
MetLife  January 1999 - April 2003

Skills
Term Life Insurance, Management, Insurance, Commercial Insurance, Property & Casualty..., Umbrella Insurance, Life Insurance, General Insurance, Customer Service, Health Insurance, Casualty Insurance, Team Building, Sales Management, Workers Compensation, Underwriting, Sales, Disability Insurance, Investments, Employee Benefits, Fixed Annuities, Homeowners, Claim, Commercial Lines, Casualty, Liability, Financial Services, Legal Liability, Professional Liability, Series 6, Whole Life, Direct Sales, Small Business, Account Management, Renters, Cold Calling, Claims Management

Education
The American College   2001 — 2003
Master's Degree, Finance and Financial Management Services

Brigham Young University   1986 — 1989
Master of Business Administration (M.B.A.), Business Administration and Management, General

Brigham Young University   1981 — 1986
Bachelor's Degree, Asian Studies/Civilization

Experience
National Life Group  April 2014 - Present
Gilliam Insurance   November 2011 - March 2013
Farmers Insurance & Financial Services   October 2010 - November 2011
Platinum Career Coaching   May 2010 - August 2010
Singenis Corp.   May 2008 - August 2008

Skills
Marketing Strategy, Direct Marketing, Direct Mail, Social Media Marketing, Advertising, Sales, Public Relations, Market Research, Customer Service, Social Media, Customer Relations, Event Planning, Microsoft Office, Marketing, Marketing Communications, Insurance, Microsoft Excel, Public Speaking, PowerPoint, Event Management, Social Networking, Team Building, Sales Management, Online Marketing, Fundraising, Communication, Business Development, Strategy, Small Business, Nonprofits, Management, Leadership, Microsoft Word, Media Relations, Integrated Marketing, Office Administration, Email Marketing, Strategic Planning, Editing, Access

Education
Baylor University   2007 — 2010
BBA, Marketing, MIS

Amarillo College   2006 — 2007

Experience
Farmers Insurance & Financial Services   September 1980 - Present
Farmers Insurance  1980 - Present

Education
California State University-Northridge   1978 — 1979
BA, Media Management

Experience
Farmers Insurance & Financial Services   June 2010 - Present

Skills
Administrative..., Commercial Insurance, Insurance, Property & Casualty..., Term Life Insurance

Education
Cardinal Stritch University   2012 — 2014

UW-Milwaukee   2008 — 2010

Experience
Farmers Insurance & Financial Services   June 2011 - Present
Farmers Insurance Group of Companies  July 2008 - June 2011

Skills
Casualty, Commercial Insurance, Property & Casualty...

Education
California Coast University   2004 — 2007
Bachelor of Science (B.S.), Business Administration, Management and Operations