Senior Underwriting Consultant - Internal Auditor

Overview

This role is part of the US Life Underwriting Risk Management and Audit team and provides independent, objective quality assurance of life insurance underwriting decisions and processes. The position supports consistent application of underwriting guidelines, appropriate risk management, and identification of opportunities for continuous improvement and training.

This is a remote role and can be based anywhere in the continental US.

Responsibilities

• Conduct independent audits and quality reviews of life insurance underwriting decisions, documentation, and processes.
• Evaluate underwriting assessments against established guidelines, procedures, and best practices.
• Assess medical, non-medical, financial, compliance, retention, and reinsurance decisions for appropriateness and consistency.
• Identify trends, gaps, and opportunities for process improvement and underwriter development.
• Recommend training and educational initiatives based on audit findings.
• Participate actively in team discussions, providing objective feedback and professional opinions on audit results.
• Collaborate with Underwriting, Medical, and Risk Management teams.
• Contribute to innovation, continuous improvement, and the evolution of the underwriting audit program.
• Support targeted audits of specialized case types and emerging business initiatives.

Requirements

• Minimum 5 years of life insurance underwriting experience.
• Expert knowledge of medical, financial, and non-medical underwriting principles and practices.
• Strong understanding of life insurance risk assessment and underwriting guidelines.
• Strong analytical, critical thinking, and problem-solving skills.
• Excellent written, verbal, presentation, and interpersonal communication skills.
• Ability to work independently while managing multiple priorities.
• Strong attention to detail and organizational skills.
• Ability to influence and collaborate effectively with stakeholders at all levels.

Preferred Qualifications

• Experience auditing, reviewing, or coaching underwriting decisions.
• Knowledge of reinsurance treaties, retention limits, and marketplace practices.
• Experience with compliance and quality assurance programs.
• Strong digital literacy and proficiency with Microsoft 365 applications, including Excel, Word, PowerPoint, and Teams; comfortable adopting new technology and leveraging digital tools to improve efficiency and reporting.

Compensation & Benefits

• Salary range: $92,475.00 USD - $160,290.00 USD
• Incentive programs: opportunity to participate and earn incentive compensation tied to business and individual performance (actual salary varies based on local market conditions, geography, and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training).
• Benefits (eligible employees may access customizable benefits including):
  • Health, dental, mental health, and vision
  • Short- and long-term disability
  • Life and AD&D insurance coverage
  • Adoption/surrogacy and wellness benefits
  • Employee/family assistance plans
• Retirement savings plans (including pension/401(k) savings plans and a global share ownership plan with employer matching contributions) and financial education/counseling resources.
• Paid time off in the U.S.: up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time (or more where required by law) each year, plus the full range of statutory leaves of absence.

Location

• USA, Massachusetts - Full Time Remote
• Working arrangement: Remote

Equal Opportunity

The employer is an equal opportunity employer and is committed to fair recruitment, retention, advancement, and compensation, with employment practices administered without discrimination on any protected ground under applicable law.