Commissions Analyst

AmeriLife•Clearwater, FL

About The Position

AmeriLife is undergoing a significant transformation of its operational infrastructure and is seeking a Commissions Analyst to support this initiative. This role is crucial for ensuring the accuracy, timeliness, and control of AmeriLife's commission operations. The Commissions Analyst will manage the end-to-end commission process, which includes receiving carrier statements, maintaining commission files, validating calculations, researching exceptions, supporting payments, handling adjustments and chargebacks, performing reconciliations, generating reports, and resolving inquiries. The ideal candidate will possess strong analytical skills, meticulous attention to detail, a sense of ownership, and the ability to understand complex commission structures, hierarchy relationships, carrier requirements, affiliate agreements, and payment rules. The Commissions team is responsible for ensuring that commissions payable to affiliates, marketers, and agents are processed accurately, on time, consistently, and in compliance with all contractual agreements, internal controls, and operational standards.

Requirements

Bachelor’s Degree in Business, Finance, Accounting, Data Analytics, Operations, or related field preferred; equivalent related experience accepted.
2+ years of experience in commissions, financial operations, insurance operations, carrier statement processing, reconciliation, contracting support, or other analytical operations environment preferred.
Advanced Excel knowledge required, including the ability to validate large data sets, perform reconciliations, identify variances, and build reports to support payment accuracy and operational decision-making.
Experience working with commission systems, carrier portals, workflow tools, CRM platforms, or financial operations systems preferred.
Strong analytical, reconciliation, and problem-solving skills with the ability to research complex payment questions and determine appropriate resolution steps.
Keen attention to detail and commitment to payment accuracy, documentation quality, and timely execution.
Ability to interpret commission structures, rate schedules, payment levels, hierarchy relationships, carrier files, affiliate arrangements, and supporting contractual or operational documentation.
Ability to work independently and collaboratively with Finance, Contracting, affiliates, marketers, agents, carriers, Technology, and operations partners.
Insurance industry, agency operations, commissions, contracting, or financial services distribution experience preferred.
Strong organizational, prioritization, multi-tasking, and time management skills in a high-volume, deadline-driven environment.
Excellent verbal and written communication skills, including the ability to explain commission issues, findings, and resolution steps clearly.
Desire to continuously learn, identify recurring issues, recommend process improvements, and support modernization of commission operations.

Responsibilities

Support the end-to-end commission processing lifecycle, including carrier statement receipt, data validation, commission file preparation, calculation review, payment support, correction processing, and post-payment reconciliation.
Calculate, validate, and forecast agent, affiliate, and marketer commission expense for weekly and recurring payment cycles across multiple insurance carrier partners.
Review commission data inputs, hierarchy relationships, payment levels, rate tables, carrier files, and calculation outputs to ensure accuracy and identify discrepancies requiring correction or escalation.
Research, analyze, and resolve agent, affiliate, marketer, and carrier commission inquiries, disputes, reconciliation concerns, and exception items within service level expectations.
Coordinate with Contracting, Finance, carriers, affiliates, marketers, and internal operations partners to resolve commission nonpayment, payment variance, hierarchy alignment, contract alignment, and compensation-related issues.
Process and validate commission adjustments, chargebacks, corrections, balance reporting, and other payment-related updates in accordance with established procedures and approval controls.
Ensure agent, agency, affiliate, marketer, and carrier payment levels are accurate in commission systems by cross-referencing control sheets, contracts, hierarchy documentation, carrier materials, and supporting operational records.
Download, maintain, reformat, and load third-party and carrier commission files; identify missing, incomplete, or inconsistent file data and take appropriate follow-up action.
Build, maintain, and analyze Excel-based reports using commission processing system data to support payment validation, exception management, productivity tracking, reconciliation, and operational reporting.
Identify recurring commission issues, root causes, process gaps, and data quality concerns; document findings and recommend improvements to reduce future exceptions and inquiry volume.
Support commission system updates, rate load testing, new carrier setup, file activation, and process changes related to commission modernization, workflow improvements, and system transitions.
Maintain accurate documentation, audit support materials, and evidence of review in accordance with SOPs, compliance expectations, confidentiality requirements, and internal control standards.
Assist with internal, external, carrier, finance, compliance, and audit requests as needed.
Perform other duties as assigned.