Manager, Chief Claims Examiner
About The Position
AAA Life is a respected and trusted American brand that has been focusing on Life Insurance and Annuity Products since 1969. At AAA Life we have over 1.8 million policies where we take pride in earning the trust of our policyholders who understand our promise to be there for them – and their families – when we’re needed most. By joining the AAA Life team, you are joining a company that genuinely cares about helping each other, with a devotion to protect the lives of those around us. We embrace a diverse, equitable, inclusive culture where all associates can feel a sense of belonging and use their unique talents and perspective to influence, innovate, motivate, and thrive.
Requirements
- A bachelor's degree in business, insurance, finance, legal studies, risk management, or related field.
- 10+ years of progressive life insurance claims experience with substantial responsibility for complex claim adjudication.
- 5+ years of direct experience adjudicating or providing senior technical oversight of contestable life insurance claims.
- 5+ years of leadership experience, including people leadership, technical leadership, or significant claims operational leadership.
- Demonstrated experience with appeals, complex coverage matters, litigation-related claims, investigations, and regulatory requirements.
- Demonstrated experience educating, mentoring, or developing claims examiners and other claims professionals.
Nice To Haves
- An advanced degree, such as JD, MBA, or related graduate degree.
- FLMI, ALHC, ACS, ICA, or comparable insurance/claims designation.
- Experience leading claims transformation, technology modernization, automation, analytics, or AI-enabled claims initiatives.
- Experience with reinsurance claim management and complex vendor relationships.
- Experience developing technical claims curriculum, case-based learning, or examiner proficiency programs.
Responsibilities
- Provide strategic and technical leadership for complex, contestable, appealed, escalated, and litigation-related life insurance claims.
- Serve as the senior claims subject-matter expert, providing guidance on policy interpretation, investigations, beneficiary issues, underwriting and medical evidence, fraud indicators, and regulatory requirements.
- Exercise independent judgment within delegated authority and appropriately escalate matters involving significant legal, regulatory, financial, fraud, or reputational risk.
- Lead technical strategy for appeals, disputes, complaints, litigation, and other elevated claims in partnership with Legal, Compliance, and key enterprise stakeholders.
- Develop examiner technical capabilities through education, coaching, mentoring, case consultation, and consistent application of claims standards.
- Analyze claims trends, appeals, litigation, complaints, and quality results to identify emerging risks, development needs, and process improvement opportunities.
- Provide senior leadership with actionable insights and recommendations regarding claims trends, technical risk, emerging issues, and strategic opportunities.
- Lead claims transformation and modernization efforts, including workflow redesign, automation, AI-assisted capabilities, digital tools, and adoption of new ways of working.
- Partner across Underwriting, Actuarial, Legal, Compliance, Risk, Investigations, Technology, and Reinsurance to resolve complex matters and strengthen risk management.
- Oversee reinsurance reporting and technical claims resources while promoting fair, timely, accurate, compliant, and customer-focused claim outcomes.
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What This Job Offers
Job Type
Full-time
Career Level
Manager
