Margaret Penado

Margaret Penado's picture

Bio

Margaret Penado

Title

Risk Manager, Coconino County (AZ)

Summary of Qualifications

Margaret holds a bachelor’s degree in accounting, and a master’s degree in administration with emphasis on public entities, and has over 25 years of insurance experience. She began her career with Travelers as a Commercial Lines Underwriter and contributed for many years to the award winning success of the Salt Lake City field office. Following this, Margaret worked for the Workers’ Compensation Fund of Utah as a large account underwriter, policy strategist, policy language developer, and IT liaison.  After moving to Arizona, Margaret joined the State Compensation Fund of Arizona where she worked in varying roles as an insurance premium auditor, loss control representative, and the Flagstaff field office manager before segueing to work directly for local government.  She served as the risk manager for City of Flagstaff in 2012-2013, and has served as risk manager for Coconino County from 2013 to present. 

Responsibilities

Margaret is the risk manager for Coconino County with oversight of insurance coverages, claims, risk management, safety, loss control workers' compensation, insurance and indemnification contract language, employee benefits, Americans with Disabilities Act, and Family Medical Leave Act. 

Business Experience

Margaret has over 25 years of insurance experience. She began her career with Travelers as a Commercial Lines Underwriter and contributed for many years to the award winning success of the Salt Lake City field office.  Following this, Margaret worked for the Workers’ Compensation Fund of Utah as a large account underwriter, policy strategist, policy language developer, and IT liaison.  After moving to Arizona, Margaret joined the State Compensation Fund of Arizona where she worked in varying roles as an insurance premium auditor, loss control representative, and the Flagstaff field office manager before segueing to work directly for local government.  She served as the risk manager for City of Flagstaff in 2012-2013, and has served as risk manager for Coconino County from 2013 to present. 

Professional Affiliations

Associate in Risk Management for Public Entities from Insurance Institute of America (IIA)
Associate in Premium Auditing from IIA
Certified Property Casualty Underwriter 
Member of American Society of Safety Professionals (ASSP)
Member of PRIMA

Education

Bachelor of Arts Degree in Accounting from University of Utah (Valedictorian)
Master of Administration with emphasis on Public Entities from Northern Arizona University (with distinction)

History

Member for
8 months 2 weeks