Summary
Overview
Work history
Education
Skills
Affiliations
Interests
Honors & Awards
Selected Highlights
Core Competencies
Professional Development
Timeline
Generic

Annette Sue

Arima

Summary

Driven professional offering strong analytical background with solid problem-solving and critical thinking skills. Knowledgeable about data interpretation, project management, and collaborative teamwork.

Accomplished with expertise in Microsoft Office Suite, Microsoft AX Dynamics, Sage Peachtree Accounting and Webstar.

Overview

18
18
years of professional experience

Work history

Senior Reinsurance Analyst

Guardian General Insurance Ltd
Port of Spain
2025.06 - Current

Reviewed and verified treaty renewal information and ensured accurate, complete analysis.

Reviewed reinsurance renewal terms and maintained relevant Webstar specifications.

Reviewed cover notes to ensure alignment with expectations and requirements.

Monitored and analysed inward treaty information for continuous treaty fit.

Coordinated with international reinsurance brokers on treaty questions and concerns.

Monitored business classes to ensure treaty term compliance and guidelines.

Reviewed monthly and quarterly reinsurance reports for accuracy and trends.

Assisted reinsurance manager with review and rollout of reinsurance facilities.

Handled operational queries on reinsurance transactions and coordinated Webstar setup.

Validated large loss claim transactions for reinsurance processing accuracy.

Coordinated with claims and finance teams and brokers on reporting and recoveries.

Authorised manual reinsurance transactions on claims for timely processing.

Reviewed oversight of reinsurance claims report submissions to international brokers.

Coordinated responses for rating agencies, regulators, and auditors information requests.

Created ad-hoc reinsurance reports, presentations, and programme summaries.

Reviewed and validated major loss and hurricane updates for submissions.

Coordinated collection of cash call funds with international reinsurance brokers.

Managed internal queries on recoveries for major losses and hurricanes.

Oversaw review of RA102 forms prepared for finance journal entries.

Reinsurance Analyst

Guardian General Insurance Ltd
Port of Spain
2018.01 - 2025.06
  • Prepared monthly and quarterly reinsurance reports for review by associates, ensuring accurate data presentation.
  • Monitored and reported large losses to reinsurers and responded to queries.
  • Provided monthly and quarterly finance information on large and catastrophe claims.
  • Performed monthly claims analyses, supporting underwriting decisions and enhancing claims management.
  • Monitored inward treaty aggregates and account balances, facilitating diamond fire conversions.
  • Converted diamond fire and general treaty claims on Webstar.
  • Processed MRS manual reinsurance claims on Webstar.
  • Prepared renewal reports and supporting file notes for inward treaties.
  • Monitored commutations and solvency schemes of arrangement.
  • Assisted with documents for regulators, rating agencies, and auditors.
  • Updated and maintained the reinsurance subsystem on Webstar annually.

Reinsurance & Regulatory Accountant

Massy United Insurance Ltd
Port-of-Spain
2017.01 - 2025.06
  • Expertly handled journalizing of minimum deposit premiums and reinsurance transactions for premium and claims monthly.
  • Conducted monthly verification of reinsurance ceding percentages to ensure accuracy in financial reporting.
  • Preparation of quarterly treaty accounts to reinsurance brokers (Aon Benfield)
  • Resolved queries from Aon Benfield regarding catastrophe claims and discrepancies in reported premiums, ensuring clarity and compliance.
  • Preparation of monthly and Annual CBTT returns
  • Prepared monthly reinsurance reconciliations
  • Prepared claims triangulation
  • Prepared meticulously detailed reports and financial statements for a company (TATIL Re) with a TT$25 million balance sheet.
  • Prepared management accounts and provided investment committee inputs.
  • Prepared month end expense and revenue journals for 18 regional territories.
  • Supervised and trained two (2) assistant accountants to prepare audit files, bank, trade payable & receivable reconciliations and month end journals.
  • Managed accounts payable cycles for vendors and receivable cycles for agents with a portfolio of up to $300K
  • Reviewed agents' payroll and VAT calculations, ensuring accuracy and compliance with regulations for financial integrity.
  • Skillfully prepared accrual and prepayment schedules for 3 years.
  • Prepared budget Vs actual expense reports for Trinidad and Barbados Divisions.
  • Prepared consolidated accounts, semi-annual returns, bank and trade payable reconciliations, along with month-end journals.
  • Accounted for over 15 bonds, recording acquisitions, disposals, interest income and equity placed with wealth manager Morgan Stanley.
  • Managed the apportionment of expenses and tenant billing for eight companies smoothly.
  • Overseen 1 tax audit for 18 regional territories including (Trinidad and Barbados)
  • Authorised payment vouchers up to a limit of $100K
  • Maintained strong internal controls in terms of segregation of duties in the preparing, checking and authorisation of documents, timely reconciling of accounts, proper matching of P.O. to invoice and sign off by authorised personnel, etc.
  • Managed USD funds to facilitate buy/sell transactions, wire transfers and payments to local and foreign reinsurers.
  • Prepared post-acquisition journals for the consolidation of Trinidad H.O. and Barbados agency of TATIL
  • Calculated and analysed profit commissions, portfolio transfers for reinsurance.
  • Ensured accurate and efficient accounting while managing all financial aspects of daily operations.
  • Prepared audit schedules and assisted in the planning and management of 4 year end audits
  • Implemented systems and procedures within the Finance department, enhancing productivity and accuracy of accounting practices.
  • Addressed problems as they arose and developed strategic solutions.
  • Analyzed and interpreted complex data and provided detailed financial reporting for the executive team.

Accountant

Trinidad and Tobago Insurance Ltd (TATIL)
Port-of-Spain
2008.01 - 2017.01
  • Expertly handled journalizing of minimum deposit premiums and reinsurance transactions for premium and claims monthly.
  • Conducted monthly verification of ceding percentages for reinsurance agreements.
  • Prepartion of quarterly treaty accounts to reinsurance brokers (Aon Benfield)
  • Resolved queries from Aon Benfield regarding catastrophe claims and premium discrepancies, ensuring accurate reporting and swift resolution.
  • Preparation of monthly and Annual CBTT returns
  • Prepared monthly reinsurance reconciliations
  • Executed claims triangulation to evaluate claim development and identify potential liabilities, supporting informed decision-making.
  • Prepared meticulously detailed reports and financial statements for a company (TATIL Re) with a TT$25 million dollar balance sheet.
  • Prepared management accounts and provided investment committee inputs.
  • Prepared month end expense and revenue journals for 18 regional territories.
  • Supervised and trained two (2) assistant accountant to prepare audit files, bank , trade payable & receivable reconciliations and month end journals.
  • Managed accounts payable and receivable cycles for vendors and agents, overseeing transactions within a $300K portfolio to ensure timely payments.
  • Reviewed Agents payroll and V.A.T calculation
  • Developed comprehensive accrual and prepayment schedules covering three fiscal years.
  • Prepared budget Vs actual expense reports for Trinidad and Barbados Divisions.
  • Prepared consolidated accounts, semi-annual returns, bank and trade payable reconciliations, along with month-end journals.
  • Accounted for over 15 bonds, recording acquisitions, disposals, interest income and equity placed with wealth manager Morgan Stanley.
  • Managed the apportionment of expenses and tenant billing for 8 companies smoothly.
  • Overseen 1 tax audit for 18 regional territories including (Trinidad and Barbados)
  • Authorized payment vouchers up to a limit of $100K
  • Maintained strong internal controls in terms of segregation of duties in the preparing, checking and authorization of documents, timely reconciling of accounts, proper matching of P.O. to invoice and sign off by authorized personnel, etc.
  • Managed USD funds to facilitate buy/sell transactions, wire transfers and payments to local and foreign reinsurers.
  • Prepared post-acquisition journals for the consolidation of Trinidad H.O and Barbados agency of TATIL
  • Calculated and analysed profit commissions, portfolio transfers for reinsurance.
  • Ensured accurate and efficient accounting while managing all financial aspects of daily operations.
  • Prepared audit schedules and assisted in the planning and management of 4 year end audits
  • Created and implemented numerous systems and procedures within the Finance department that significantly increased productivity, accuracy and efficiency of accounting practices.
  • Addressed problems as they arose and developed strategic solutions.
  • Analyzed and interpreted complex data and provided detailed financial reporting for the executive team.

Assistant Accountant

Trinidad and Tobago Insurance Ltd (TATIL)
Port-of-Spain
2014.01 - 2016.01
  • Expertly handled journalizing of minimum deposit premiums and reinsurance transactions for premium and claims monthly.
  • Conducted monthly verification of reinsurance ceding percentages to ensure accuracy.
  • Prepartion of quarterly treaty accounts to reinsurance brokers (Aon Benfield)
  • Addressed queries from Aon Benfield about catastrophe claims and discrepancies in reported premiums to resolve issues promptly.
  • Preparation of monthly and Annual CBTT returns
  • Prepared monthly reinsurance reconciliations
  • Prepared claims triangulation
  • Prepared detailed reports and financial statements for TATIL Re, supporting informed decision-making on a TT$25 million balance sheet.
  • Prepared management accounts and provided investment committee inputs.
  • Prepared month end expense and revenue journals for 18 regional territories.
  • Supervised and trained two assistant accountants on preparing audit files, bank reconciliations, and month-end journals for accuracy.
  • Managed accounts payable for vendors and accounts receivable for agents, ensuring timely processing within a $300K portfolio.
  • Reviewed agents' payroll and VAT calculations for accuracy and compliance with regulations.
  • Skillfully prepared accrual and prepayment schedules for 3 years.
  • Prepared budget Vs actual expense reports for Trinidad and Barbados Divisions.
  • Prepared consolidated accounts, semi-annual returns, bank and trade payable reconciliations, along with month-end journals.
  • Accounted for over 15 bonds, recording acquisitions, disposals, interest income and equity placed with wealth manager Morgan Stanley.
  • Managed the apportionment of expenses and tenant billing for 8 companies smoothly.
  • Oversaw a tax audit for 18 regional territories, including Trinidad and Barbados, ensuring compliance with tax regulations.
  • Authorized payment vouchers for transactions up to $100K, ensuring proper documentation and financial control.
  • Maintained strong internal controls in terms of segregation of duties in the preparing, checking and authorization of documents, timely reconciling of accounts, proper matching of P.O. to invoice and sign off by authorized personnel, etc.
  • Oversaw USD funds for buy/sell transactions, wire transfers, and payments to local and foreign reinsurers, ensuring smooth financial operations.
  • Prepared post-acquisition journals for the consolidation of Trinidad H.O and Barbados agency of TATIL
  • Calculated and analysed profit commissions, portfolio transfers for reinsurance.
  • Ensured accurate and efficient accounting while managing all financial aspects of daily operations.
  • Prepared audit schedules and assisted in the planning and management of 4 year end audits
  • Developed and implemented systems and procedures within Finance department, enhancing productivity, accuracy, and efficiency of accounting practices.
  • Addressed problems as they arose and developed strategic solutions.
  • Analyzed and interpreted complex data and provided detailed financial reporting for the executive team.

Accounting Assistant II

Trinidad and Tobago Insurance Ltd (TATIL)
Port-of-Spain
2011.01 - 2015.01
  • Ensured accurate and efficient accounting while managing all financial aspects of daily operations.
  • Prepared meticulously detailed reports and financial statements for a company (TATIL Re) with a TT$25 million dollar balance sheet.
  • Prepared monthly reinsurance reconciliations
  • Supervised and trained two (2) assistant accountant to prepare audit files, bank , trade payable & receivable reconciliations and month end journals.
  • Managed accounts payable and receivable cycles for vendors and agents, overseeing a portfolio worth $300K.
  • Prepared audit schedules and assisted in the planning and management of 4 year end audits
  • Conducted monthly reviews of reinsurance ceding percentages for accuracy.
  • Prepared consolidated accounts, semi-annual returns, bank and trade payable reconciliations, along with month-end journals.
  • Prepared budget Vs actual expense reports for Trinidad and Barbados Divisions.
  • Prepared month end expense and revenue journals for 18 regional territories.
  • Handled queries from Aon Benfield in relation to catastrophe claims and discrepancies in premiums reported
  • Managed the apportionment of expenses and tenant billing for 8 companies smoothly.
  • Maintained strong internal controls in terms of segregation of duties in the preparing, checking and authorization of documents, timely reconciling of accounts, proper matching of P.O. to invoice and sign off by authorized personnel, etc.
  • Managed USD funds to facilitate buy/sell transactions, wire transfers and payments to local and foreign reinsurers.
  • Implemented systems and procedures within the Finance department, enhancing accuracy and efficiency of accounting practices.
  • Addressed problems as they arose and developed strategic solutions.
  • Calculated and analysed profit commissions, portfolio transfers for reinsurance.
  • Expertly handled journalizing of minimum deposit premiums and reinsurance transactions for premium and claims monthly.
  • Prepartion of quarterly treaty accounts to reinsurance brokers (Aon Benfield)
  • Preparation of monthly and Annual CBTT returns
  • Reviewed Agents payroll and V.A.T calculation
  • Prepared accrual and prepayment schedules covering 3 years, ensuring accurate financial reporting.
  • Prepared claims triangulation
  • Accounted for over 15 bonds, recording acquisitions, disposals, interest income and equity placed with wealth manager Morgan Stanley.
  • Authorized payment vouchers up to a limit of $100K
  • Overseen 1 tax audit for 18 regional territories including (Trinidad and Barbados)
  • Prepared post-acquisition journals for the consolidation of Trinidad H.O and Barbados agency of TATIL
  • Analyzed and interpreted complex data and provided detailed financial reporting for the executive team.
  • Analyzed and interpreted complex data and provided detailed financial reporting for the executive team.

Accounting Assistant I

Trinidad and Tobago Insurance Ltd (TATIL)
Port-of-Spain
2008.01 - 2011.01
  • Ensured accurate and efficient accounting while managing all financial aspects of daily operations.
  • Managed accounts payable and receivable cycles for vendors and agents, overseeing a portfolio of $300K to maintain cash flow efficiency.
  • Expertly handled journalizing of minimum deposit premiums and reinsurance transactions for premium and claims monthly.
  • Prepared monthly reinsurance reconciliations
  • Prepared quarterly treaty accounts for reinsurance brokers (Aon Benfield), ensuring timely and accurate reporting.
  • Resolved queries from Aon Benfield related to claims and premium inconsistencies.
  • Maintained strong internal controls in terms of segregation of duties in the preparing, checking and authorization of documents, timely reconciling of accounts, proper matching of P.O. to invoice and sign off by authorized personnel, etc.
  • Authorized payment vouchers up to a limit of $100K
  • Managed tax audit process for 18 territories, including Trinidad and Barbados, to ensure regulatory compliance.
  • Prepared meticulously detailed reports and financial statements for a company (TATIL Re) with a TT$25 million dollar balance sheet.
  • Prepared management accounts and provided investment committee inputs.
  • Prepared month end expense and revenue journals for 18 regional territories.
  • Supervised and trained two (2) assistant accountant to prepare audit files, bank , trade payable & receivable reconciliations and month end journals.
  • Prepared claims triangulation
  • Preparation of monthly and Annual CBTT returns
  • Skillfully prepared accrual and prepayment schedules for 3 years.
  • Prepared budget Vs actual expense reports for Trinidad and Barbados Divisions.
  • Prepared consolidated accounts, semi-annual returns, bank and trade payable reconciliations, along with month-end journals.
  • Accounted for over 15 bonds, recording acquisitions, disposals, interest income and equity placed with wealth manager Morgan Stanley.
  • Managed the apportionment of expenses and tenant billing for 8 companies smoothly.
  • Managed USD funds to facilitate buy/sell transactions, wire transfers and payments to local and foreign reinsurers.
  • Prepared post-acquisition journals for the consolidation of Trinidad H.O and Barbados agency of TATIL
  • Calculated and analysed profit commissions, portfolio transfers for reinsurance.
  • Prepared audit schedules and assisted in the planning and management of 4 year end audits
  • Developed and implemented systems and procedures within Finance department, enhancing accuracy and efficiency of accounting practices.
  • Addressed problems as they arose and developed strategic solutions.
  • Analyzed and interpreted complex data and provided detailed financial reporting for the executive team.
  • Addressed problems as they arose and developed strategic solutions.
  • Analyzed and interpreted complex data and provided detailed financial reporting for the executive team.

Education

ACCA (Candidate) - Management & Financial Accounting

Students Accountancy Centre
St. James, Trinidad

Skills

  • Microsoft Office (Word, Excel, PowerPoint, Outlook), Microsoft AX dynamics, Sage Peachtree Accounting, I plus, Mapics and Webstar

  • Process Improvement

  • Result-Oriented approach

  • Creative innovation

Affiliations

  • CAPE
  • TTII: Understanding General Insurance Accounting
  • ACCA, Level 3
  • TATIL

Interests

Interior decor and design, metal fabrication

Honors & Awards

Employee of the Month – TATIL

Selected Highlights

  • Proven leader, expertly managed a tightknit team of assistant accountants, safeguarding accuracy.
  • Promoted multiple times due to outstanding analytical skills, leadership, financial acumen, and strong work ethic.
  • Capable of spotting omissions and errors in journals, reconciliations, trial balances and financial statements
  • Assisted in the planning and management of four(4) year end audits.

Core Competencies

  • Monitoring Reinsurance Risk Exposure
  • Compiling of Reinsurance Information-packs
  • Reinsurance System Set up
  • Claims Monitoring and Reporting
  • Reinsurance /Treaty Accounting
  • P&L Analysis
  • Computing Quarterly and Annual Tax Returns
  • Investment Committee Inputs
  • USD Treasury management
  • Audit Planning
  • Drafting Financial Statements
  • Accounts Payable and Receivables Management
  • Process Improvement

Professional Development

Detailed Professional References Available upon Request

Timeline

Senior Reinsurance Analyst

Guardian General Insurance Ltd
2025.06 - Current

Reinsurance Analyst

Guardian General Insurance Ltd
2018.01 - 2025.06

Reinsurance & Regulatory Accountant

Massy United Insurance Ltd
2017.01 - 2025.06

Assistant Accountant

Trinidad and Tobago Insurance Ltd (TATIL)
2014.01 - 2016.01

Accounting Assistant II

Trinidad and Tobago Insurance Ltd (TATIL)
2011.01 - 2015.01

Accountant

Trinidad and Tobago Insurance Ltd (TATIL)
2008.01 - 2017.01

Accounting Assistant I

Trinidad and Tobago Insurance Ltd (TATIL)
2008.01 - 2011.01

ACCA (Candidate) - Management & Financial Accounting

Students Accountancy Centre
Annette Sue