Financial Services Representative: Trainee

Unum Group•Portland, ME

About The Position

The Financial Services Representative Trainee is an entry-level role in Unum’s Financial Recovery Unit. Trainees spend a minimum of 12–18 months learning the skills, knowledge, and behaviors needed to calculate, communicate, and recover basic benefit overpayments on long- and short-term disability claims using multiple systems. Working closely with an experienced resource, the trainee manages a limited-complexity caseload and progressively develops the ability to handle greater claim volumes and more complex claims with increasing independence. The role is goal-oriented and contributes to the department’s overall results. As proficiency grows, the trainee administers and recovers overpayments across multiple products and systems with an expanding scope. The role includes analyzing claim information, communicating with claimants and employers, making decisions within the role’s authority, documenting actions, and providing professional, empathetic customer service. Participation in personal development, team activities, special projects, and administrative assignments may also be required.

Requirements

College degree preferred or equivalent work experience.
Computer literacy and/or working knowledge of claim systems such as BAS and NaviLink.
Strong mathematical ability.
Commitment to customer service, empathy, and high-quality work.
Efficient time management and ability to prioritize in changing environments.
Ability to work with positive intent in a collaborative team environment.
Self-motivation in a goal-oriented environment.
Adaptability to change.
Strong negotiation skills.
Strong analytical skills and attention to detail.
Highly developed written and verbal communication skills, including the ability to manage conflict effectively and professionally.
Meet the position’s standards as defined in the Talent Management framework.

Nice To Haves

College degree.

Responsibilities

Analyze claim files and obtain financial and benefit information from colleagues, customers, and external resources to determine an appropriate course of action.
Communicate with customers, calculate overpayments, and manage a caseload of limited-complexity claims across multiple products and system applications within established turnaround times.
Make decisions within the FSR-T role’s scope of authority regarding whether to pursue overpayments, including negotiating and binding the Company.
Accurately document and code Financial Recovery Unit actions in claim and legacy systems, including supporting rationale and next steps.
Build professional relationships with claimants and employers, provide empathetic customer service, and respond promptly, accurately, and courteously.
Participate in personal development activities and activities that support Unum Values.
Participate in special projects and other assignments as needed, including administrative duties in support of the team.