Life Underwriting Automation Specialist

Responsible for strategically managing and optimizing the automated underwriting rules engine to ensure accurate, effective, and efficient risk assessment and decision-making processes. This role serves as the bridge between traditional underwriting expertise and automated solutions, continuously analyzing performance metrics to propose data-driven enhancements that streamline risk selection while maintaining sound underwriting principles and our risk appetite. 

Primary Responsibilities:

• Partnering with the underwriting team to ensure the rules engine is accurate, efficient, and effective in assessing risk that aligns with mortality and risk management expectations.
• Monitoring and analyzing the performance of the rules engine and making recommendations for improvements as needed.
• Participating in post-issue audit reviews.
• Reviewing and addressing applications that have been escalated for further review by internal marketing, agents, brokers, or uplines.
• Evaluating the underwriting process for potential gaps to strengthen fraud mitigation efforts
• Assisting the underwriting team with review of referred applications in production, as needed.
• Supporting our marketing partners, as needed, relating to questions, potential underwriting changes, or educational materials.
• Cross-functional collaboration, working with the life claims department and special investigations team members to incorporate claims experience and fraud mitigation strategies into rule refinements.

Knowledge and Requirements:

• Bachelor’s degree and 5+ years of life insurance underwriting experience are preferred.
• 2+ years of experience with automated underwriting rules is preferred.
• Experience with underwriting rules implementation and optimization.
• Demonstrated experience in analyzing underwriting data and metrics
• Proficient understanding of life insurance underwriting principles, medical impairments, and risk assessment.
• Working knowledge of automated underwriting platforms and rules-based systems
• Familiarity with fraud detection techniques in insurance underwriting
• Collaborative approach to working with cross-functional teams
• Demonstrated ability to interact with agents/producers to gather information, discuss cases, or other underwriting information professionally and effectively.