Premium Auditor II

Overview

This role involves conducting comprehensive Workers Compensation premium audits across diverse industries. Audits are performed using mail, phone, and virtual platforms. The auditor reviews payroll records, tax returns, 1099s, and other financial documentation to ensure accurate policy coverage and compliance with applicable regulatory guidelines. Classification codes are applied using NCCI, PAAS, and state-specific requirements, with thorough documentation and preparation of detailed audit worksheets.

Responsibilities

Core Audit Execution

• Conduct comprehensive premium audits via mail, phone, and virtual platforms across various industries and business types.
• Review and verify payroll records, tax returns, 1099s, and supporting financial documentation with strong attention to detail.
• 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.
• Thoroughly document audit findings and prepare detailed audit worksheets.
• Ensure all audit work complies with established business rules and regulatory guidelines.

Insured Relationship Management & Communication

• Communicate professionally with policyholders to gather required documentation (including phone, email, and virtual meetings).
• Conduct thorough interviews to understand business operations, employee roles, and exposure classifications.
• Explain audit processes clearly and address questions about documentation requirements.
• Maintain professional boundaries while building positive relationships throughout the audit process.
• Handle initial concerns and questions about audit procedures (not billing-related issues).
• 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 tools.
• Use emerging 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 complex 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 accurate premium calculations through proper documentation of exposures.

Quality Assurance & Compliance

• Ensure audit documentation meets regulatory standards and internal 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.
• Participate in process development meetings and contribute improvement recommendations.
• Document best practices and lessons learned for future training materials.
• Support implementation of new audit technologies and methodologies.

Requirements

• Minimum 3-4 years conducting Workers Compensation premium audits.
• Knowledge of NCCI classification systems and state bureau requirements.
• Experience working directly with business owners and financial personnel.

Preferred Qualifications

• Multi-state audit experience.

Technical Competencies

• Strong understanding of payroll systems, tax documentation, and business financial records.
• Proficiency with classification systems (NCCI, PAAS) and state-specific regulatory requirements.
• Experience with virtual meeting platforms and screen-sharing technologies.
• Advanced skills with audit software, Google Workspace applications, and emerging technologies.
• Ability to analyze complex 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.
• Strong written communication skills for follow-up correspondence and documentation.
• Ability to explain complex audit concepts clearly to business owners.
• Experience building rapport with diverse business contacts across various industries.
• Cultural sensitivity and professional demeanor in varied business environments.
• Ability to manage potentially sensitive conversations about business operations.

Core Competencies

• Analytical thinking to understand complex business operations and identify relevant exposures.
• Attention to detail for accurate review of financial records and identification of discrepancies.
• Customer focus while maintaining audit integrity.
• Adaptability to evolving technologies and audit methodologies.
• Sense of urgency to manage multiple audits efficiently while maintaining quality.
• Professional curiosity and ability to ask relevant questions.

Compensation & Benefits

• Base compensation range: $75,000—$90,000 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 performance review.

Location

Unless otherwise specified, this role is remote.

• Remote team members must live and work in the United States (territories excluded) and have access to reliable, high-speed internet.

Additional Information

• Equal opportunity employer.
• Participates in the E-Verify program.
• AI in application review: AI-powered tools may be used to assist with initial screening of applications and may include AI assistant video tools during interviews to support note-taking and candidate evaluation. All AI-powered outputs are subject to human oversight and decision-making at multiple stages of the process.
• Safety: Recruiting staff will not ask for credit card information or request purchase of equipment during interviews or onboarding.