Raphael Cuadros

I’m a senior claims and governance leader who turns operational risk into strategic opportunity. Whether reducing litigation by 80%, increasing fraud detection by 50%, or building multijurisdictional claims frameworks from the ground up, I bring clarity, alignment, and engagement to some of the industry’s most complex challenges. Colleagues and executives describe me as transformative — I connect legal, compliance, and operations in a way that not only solves risk problems at scale but also builds trust across stakeholders.

My superpower is seeing the full chessboard and simplifying the complex. I’ve taken fragmented claims functions and turned them into unified, data-driven ecosystems that outperform the market.

Selected Achievements:

Allstate – Florida Claims Transformation Lead (Post-Acquisition)

• Boosted handling efficiency by 300% via a multijurisdictional governance model and AI-enhanced workflows.

• Reduced litigation rates by 80% and increased fraud referrals by 50% through targeted process improvements.

• Maintained a loss ratio under 0.80 (vs. 1.15 industry average).

• Detected and mitigated $10M–$30M exposures by:

  - Using Enlyte, Power BI, SQL, and AI to uncover discrepancies.

• Embedding automated fraud and compliance workflows.

• Elevating transparency and cross-functional collaboration.

Progressive – Legal SME (Depositions, Mediations, Trials)

• Led complex case strategies that improved outcomes and reduced liability.

• Streamlined legal operations and fortified risk management across teams.

• Negotiated several multimillion-dollar litigation projects down to under five figures.

• Founded a provider relations network that:

   - Saved $5M in medical costs in year one.

   - Reduced litigation rates to <1%.

   - Cut billing cycle times from 28 days to 10.

What sets me apart is not just delivering measurable results, but building systems that scale. I integrate strategy, data, and frontline engagement — ensuring teams have the tools, visibility, and trust to execute with confidence.

My passion for claims and risk management stems from early frontline litigation experience, where I saw the human and financial toll of avoidable risk. That fuels my mission: to design infrastructures that prevent problems and embed resilience at every level of the claims process.

I’m seeking executive leadership roles in claims strategy, risk governance, and operational transformation — especially where litigation, fraud, and regulatory complexity demand bold, scalable solutions. I’m also open to advisory work, consulting, and speaking engagements at the intersection of insurance, compliance, and innovation.

If your organization is facing rising litigation costs, fraud risk, or scaling pressure — let’s connect. I specialize in turning high-pressure claims environments into competitive advantage through playbooks, tools, and culture that make transformation sustainable.