Senior Associate, Morbidity Underwriting Risk & Quality Solutions

New York Life Insurance Co•Remote, any

6d•$100,000 - $143,000•Remote

About The Position

The Senior Associate, Morbidity Underwriting Risk & Quality Solutions is an advanced individual contributor responsible for ensuring the quality, consistency, and effectiveness of morbidity underwriting decisions across Long Term Care and Individual Disability Insurance. This role owns morbidity underwriting quality insights, monitoring, and reporting, and plays a critical role in identifying trends, assessing adherence to guidelines, and driving improvements to underwriting practices, tools, and processes. The individual operates with a high degree of independence, applying deep underwriting expertise and analytical judgment to evaluate outcomes, influence decision-making, and support continuous improvement across underwriting and modernization efforts.

Requirements

5–10+ years of experience in life/health, LTC, or IDI underwriting with strong morbidity expertise
Deep understanding of underwriting guidelines, risk assessment, and decision frameworks
Experience reviewing complex underwriting decisions and identifying inconsistencies or risk patterns
Strong analytical skills with ability to synthesize data and generate actionable insights
Experience with reporting and data visualization tools (e.g., Excel, Qlik, Tableau, Power BI, SQL)
Proven ability to influence cross-functional stakeholders without direct authority
Strong written and verbal communication skills
FINRA licensed and/or FINRA Associated Person pre-hire fingerprinting

Nice To Haves

Experience in underwriting quality control, audit, or second-line review functions
Experience supporting underwriting automation, models, or rules engines
Experience using AI tools or willingness to research and build AI tools for efficiency of reviews.
Industry designations (FLMI, FALU, DIA, DIF LTCP.)
Experience working in Agile or product-based environments

Responsibilities

Perform post-decision reviews of LTC and IDI underwriting cases to assess accuracy, consistency, and alignment with morbidity underwriting guidelines
Apply expert judgment to evaluate whether underwriting decisions are equitable, balanced, and aligned with intended risk outcomes
Identify decision inconsistencies, guideline deviations, training opportunities and areas of elevated risk
Own monitoring and analysis of morbidity underwriting quality trends across products, cohorts, and distribution channels
Identify patterns in decisioning, including inconsistencies, leakage, or emerging risks
Develop and maintain dashboards and reporting to track quality metrics and performance over time
Drive recommendations to improve underwriting quality and consistency, including: Training needs, Updates to underwriting guidelines and procedures, Enhancements to rules, tools, and systems
Partner with underwriting leadership to prioritize and implement improvements
Collaborate with Morbidity Underwriting Managers, Product, and Underwriting Modernization teams to translate insights into actionable improvements
Provide input into model evaluation, rule changes, and system enhancements impacting morbidity underwriting
Facilitate working sessions to align stakeholders on findings, root causes, and solutions
Serve as a subject matter expert in morbidity underwriting quality and best practices
Ensure adherence to underwriting guidelines, regulatory requirements, and internal standards
Support governance routines by providing clear, data-driven insights into underwriting performance and quality