Rates & Forms Specialist

Dream Finders Homes•Longmont, CO

About The Position

The Rates & Forms Specialist is responsible for managing all title insurance rate filings, policy forms, endorsements, and related regulatory approvals across multiple states for Alliant National Title and Golden Dog Title & Trust. This role ensures that all products, rates, and forms offered by the Company are fully compliant with state insurance laws and approved by the applicable Departments of Insurance (DOIs). In addition to regulatory filing responsibilities, this position serves as the content owner and compliance authority for the distribution of approved rates, rules, and forms to third-party closing production software platforms The role partners closely with Technology to support accurate and timely implementation, while retaining accountability for regulatory accuracy and release approval. The position acts as a key liaison among Regulatory Compliance, Actuarial, Product, Technology, and State Regulators, supporting both ongoing operations and new product or market expansion initiatives.

Requirements

3–7 years of experience in title insurance rates & forms, regulatory filings, or insurance compliance
Direct experience filing rates and forms with state Departments of Insurance
Strong understanding of title insurance policy forms, endorsements, and rate structures
Demonstrated ability to manage complex, multi-state regulatory requirements
Exceptional attention to detail and documentation discipline

Nice To Haves

Experience working at a title insurance underwriter (strongly preferred)
Familiarity with actuarial support for rate filings
Experience coordinating rate and form implementation in closing or underwriting software systems
Paralegal, compliance, or insurance designation a plus

Responsibilities

Prepare, file, and maintain title insurance rate filings with state Departments of Insurance
Draft, update, and manage policy forms, endorsements, riders, rules, and manuals
Track state approvals, objections, and implementation timelines
Maintain strict version control and historical records of all approved rates and forms
Serve as a primary point of contact with state insurance regulators regarding rates and forms
Respond to DOI inquiries, objections, and market conduct questions related to filings
Monitor changes in state statutes, regulations, and DOI guidance affecting rates, forms, or endorsements
Act as the single source of truth for approved rates, rules, and forms distributed to: Closing production software platforms Internal underwriting and operations systems
Coordinate the transmission of approved content to Technology and third-party vendors
Validate regulatory accuracy, state specificity, effective dates, and versioning prior to release
Serve as the compliance sign-off authority for production system updates related to rates and forms
Partner with Technology on: Technical implementation and testing Vendor integration and deployment timelines Issue resolution related to rate or form discrepancies
Ensure that rates and forms available to end users exactly match DOI-approved filings
Partner with Actuarial on rate calculations, actuarial memoranda, and regulatory support
Coordinate with Product and Underwriting on new product development and revisions
Work closely with Licensing & Compliance to ensure regulatory authority aligns with filings and system availability
Collaborate with Technology to support controlled, compliant releases into production environments
Support regulatory due diligence for entry into new states
Assist in developing filing strategies, timelines, and implementation plans for new products and endorsements
Ensure operational and system readiness following DOI approval
Maintain regulatory filing calendars, release logs, and implementation tracking tools
Ensure internal teams and external partners use current, approved rates and forms
Support DOI examinations, audits, and market conduct reviews related to rates, forms, and system usage
Assist in developing and maintaining written procedures governing rate and form releases