Premium Auditor I

Overview

This role is responsible for conducting standard Workers Compensation premium audits for routine business structures for single and multiple entities. Audits are completed using mail, phone, and virtual platforms. The auditor reviews payroll records, tax returns, 1099s, and supporting financial documents to ensure accurate policy coverage and compliance with regulatory guidelines. Classification codes are applied using NCCI, PAAS, and state-specific requirements, and findings are documented in detailed audit worksheets.

Responsibilities

• Conduct standard premium audits via mail, phone, and virtual platforms across routine industries and business types
• Review and verify payroll records, tax returns, 1099s, and supporting financial documentation
• Analyze business operations to identify relevant exposures and ensure proper policy coverage
• Identify and apply appropriate classification codes using NCCI guidelines, PAAS, and state-specific bureau requirements
• Document audit findings thoroughly and prepare detailed audit worksheets
• Ensure audit work complies with established business rules and regulatory guidelines

Insured Relationship Management & Communication

• Communicate professionally with policyholders via phone, email, and virtual meetings to gather required documentation
• Conduct thorough interviews to understand business operations, employee roles, and exposure classifications
• Explain audit processes clearly to insureds and address questions about documentation requirements (not billing-related issues)
• Build positive relationships while maintaining professional boundaries
• Handle initial concerns and questions about audit procedures
• Coordinate schedules and follow up to support timely audit completion

Virtual & Technology-Enhanced Audit Capabilities

• Conduct virtual audits using screen-sharing and remote access technologies
• Guide insureds through document sharing and virtual collaboration platforms
• Utilize audit technologies and software to improve efficiency and accuracy
• Adapt audit methodologies based on insured capabilities and preferences
• Maintain security protocols for remote document review and virtual meetings

Data Analysis & Classification Expertise

• Analyze standard payroll structures, contractor relationships, and employee classifications
• Research and apply appropriate workers' compensation classification codes across multiple states
• Identify potential misclassifications and exposure gaps that could impact coverage
• Review business operations for changes since policy inception that may affect classifications
• Ensure proper documentation of exposures for accurate premium calculations

Quality Assurance & Compliance

• Ensure audit documentation meets regulatory standards and company policies
• Complete audits within established timeframes while maintaining thoroughness
• Maintain strict confidentiality of insured information and business data

Process Development & Continuous Improvement

• Provide regular feedback on audit procedures and technology effectiveness
• Support implementation of new audit technologies and methodologies

Requirements

• Minimum 1–2 years conducting Workers Compensation premium audits
• Working knowledge of NCCI classification systems and state bureau requirements
• Experience working directly with business owners and financial personnel
• Multi-state audit experience preferred

Technical Competencies

• Strong understanding of payroll systems, tax documentation, and business financial records
• Working proficiency with classification systems (NCCI, PAAS) and state-specific regulatory requirements
• Experience with virtual meeting platforms and screen-sharing technologies
• Foundational skills with audit software, Google Workspace applications, and emerging technologies
• Ability to analyze standard business operations and identify relevant exposures
• Understanding of contractor vs. employee relationships and classification implications

Communication & Relationship Skills

• Excellent verbal communication skills for professional phone and virtual interactions
• Solid written communication abilities for follow-up correspondence and documentation
• Proven ability to explain standard audit concepts and routine requirements clearly to business owners
• Experience building positive relationships with cooperative personalities and handling standard situations
• Cultural sensitivity and professional demeanor in varied business environments
• Ability to manage potentially sensitive conversations about business operations

Core Competencies

• Analytical Thinking: understand standard business operations and identify relevant exposures
• Attention to Detail: review financial records and identify discrepancies accurately
• Customer Focus: maintain audit integrity while building positive relationships
• Adaptability: work effectively with evolving technologies and audit methodologies
• Sense of Urgency: manage multiple audits efficiently while maintaining quality standards
• Professional Curiosity: ask relevant questions and thoroughly understand business operations

Preferred Qualifications

• Multi-state audit experience

Compensation & Benefits

• Base compensation range: $55,000—$70,000 USD
• Competitive cash compensation
• Comprehensive health plans
• Generous PTO
• Future focused 401k match
• Generous parental and caregiver leave
• Discretionary bonuses may be granted to eligible team members based on annual company performance

Location

Unless otherwise specified, this role is remote.

• Remote team members must live and work in the United States (territories excluded)
• Reliable, high-speed internet access is required

Additional Information

• Equal opportunity employer; does not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, marital status, age, disability, national or ethnic origin, military service status, citizenship, or other protected characteristic.
• The employer participates in the E-Verify program.
• AI in application review: AI-powered tools may be used to assist with initial screening and candidate evaluation. AI outputs are subject to human oversight and decision-making at multiple stages.
• Recruitment process safety: no credit card information will be requested, and candidates will not be asked to purchase any equipment during interview or onboarding.
• Additional remote role tags: #LI-REMOTE, #BI-REMOTE