__________________________________RICARDO A. BONNICK________________________ 229 Burnside Avenue (860) 528-6083 East Hartford, CT 06108 rabonnick@snet.net OBJECTIVE: Financial analysis, Computer Applications, HMO Underwriting. SKILLS SUMMARY: A hard-working financial analyst, HMO rating specialist and underwriter, with significant accomplishments in financial systems analysis and in adapting computer applications to financial needs. Author, implementor and supervisor of widely-varied programs to streamline and increase efficiency of necessary financial operations in corporate environments. An M.B.A with proven research skills, and the ability to analyze operational shortcomings and develop swift solutions to them. Effective under pressure. A tested trainer, able to win the confidence of colleagues, and guide them to better results. Excellent written and verbal communication skills. Completely bilingual with certification in Spanish. PROFESSIONAL HISTORY 1997 - 1998 Danbury High School, High School Spanish teacher 1996 - 1997 Bloomfield Public Schools, High School and Middle School Spanish teacher 1995 - 1996 Hartford Public Schools, Substitute teacher 1973 - 1994 Aetna Life and Casualty Company, Hartford, CT: 1993 - 1994: Underwriter - Gather and analyze rating, underwriting and competitive data on renewal or new business cases to recommend appropriate rate and plan design to the Sales staff. Provide guidance on HMO case specific underwriting. Prepare HMO renewal rates, new business rates and accountings for middle market and national accounts. Prepare managed care pricing for customer teams. 1991 - 1993: Rate analyst - Analyze quarterly experience information and use this information with other indicators to produce HMO rates. Calculate quarterly rate projections for St. Louis and Chicago HMO's. Provide technical support for rate indications, and explanations for present and future trends to managers. 1985 - 1990: Applications programmer: Provided MIS capability to field offices for generating onsite reports. Developed a friendly application consisting of menus and prompts. Helped implement a procedure to download data from our home office to PC's in over 30 field offices. Developed a balancing routine for all offices to follow after receiving downloaded data, to verify its integrity. Developed a training manual to instruct users on application. R:Base technology. ______________________________RICARDO A. BONNICK____________________page 2 1981 -1985: Applications programmer: provided support to field offices in daily processing (claims and premiums); problem-solving skills honed from being on "call" for overnite batch production systems. COBOL, CMS/MVS, JCL, Easytrieve. 1976 - 1980: Rate filing supervisor: Developed mechanical procedure for calculating businessowners rates, estimating the impact of rate changes, storing the rates systematically and producing rate pages. Two sizable bonuses awarded for the work done. Supervised four rate filing analysts during this period. 1974 - 1975: Actuarial program, rate analyst: Co-developed a costing model for ratemaking in No-Fault auto insurance. APL programming. 1970 - 1973 Pfizer, Inc., Groton, CT 1968 - 1970 State Water Resources Lab, Wesleyan University, CT Research Chemist EDUCATION M.B.A., University of Hartford 1990 B.A., Wesleyan University, Chemistry 1969 A.A., Canal Zone College, Chemistry and Math , High Honors 1967