Senior Financial Benefit Consultant - Strategic Accounts - Remote (USA)

OneDigital•Remote-California, CA

1d•Remote

About The Position

The Senior Financial Benefit Consultant is a senior-level individual contributor responsible for leading financial strategy, underwriting analysis, and data-driven consulting within this segment. This role operates as a core member of a high-performing, cross-functional client team, partnering closely with Producers, Managing Consultants, Senior Benefit Consultants, and Account Management to deliver a seamless and strategic client experience. While this is a senior consulting role, it remains highly hands-on. The Senior Financial Benefit Consultant is expected to directly own and produce complex financial analysis, underwriting, and reporting deliverables—not solely delegate or review the work of others. You will join a team of high-performing peers who operate with urgency, alignment, and accountability—running fast and tight together to deliver consistent, high-impact outcomes. This role requires a proven track record supporting large, complex clients and is not designed as a developmental opportunity. Success in this position requires the ability to operate independently, think strategically, and execute with precision from day one.

Requirements

Demonstrated expertise in underwriting, financial modeling, and healthcare cost analysis
Deep knowledge of self-funded and alternative funding strategies
Proven experience supporting large, complex clients (3,000+ lives)
Demonstrated ability to independently build and own complex financial models and underwriting analysis (not solely review or oversee)
Strong ability to translate complex data into strategic, executive-level insights
Executive presence with the ability to engage and influence senior client stakeholders
Ability to operate effectively within a high-performing, matrixed team environment
Strong business acumen and consultative mindset
Ability to manage multiple complex priorities with speed, accuracy, and accountability
Advanced proficiency in Excel and financial modeling tools
7+ years of experience in employee benefits financial consulting, underwriting, or actuarial-related roles
Proven track record supporting enterprise or jumbo group clients
Bachelor’s degree required (Finance, Mathematics, Economics, Actuarial Science, or related field preferred)
Advanced Excel skills required; experience with analytics platforms preferred
Life & Health License required

Nice To Haves

Actuarial coursework or designations preferred (not required)

Responsibilities

Personally develop and produce financial models, underwriting analysis, and reporting for complex clients
Lead financial strategy while owning the underlying analysis, assumptions, and outputs
Build and maintain detailed financial models, including: Renewal projections and rate development, Claims trend analysis and forecasting, IBNR and reserve evaluation, Stop-loss strategy and optimization
Analyze claims, utilization, and cost drivers to identify risks, inefficiencies, and cost containment opportunities
Evaluate and model alternative funding arrangements (self-funded, level-funded, captives, and other risk-sharing strategies)
Develop and deliver client-ready financial exhibits and reporting for renewals, stewardship meetings, and long-term planning
Ensure accuracy, integrity, and consistency of all financial data and reporting
Serve as the financial subject matter expert for assigned clients, advising on funding strategy, plan design, and cost management
Translate complex financial and underwriting concepts into clear, actionable insights for executive-level audiences
Participate in and present during client meetings, including renewals, quarterly reviews, and strategic planning sessions
Align financial insights with broader consulting strategy to support client business objectives
Lead financial components of the renewal process, including modeling, analysis, and rate validation
Partner with carriers and vendors to validate data, challenge assumptions, and improve financial outcomes
Support negotiation strategy through data-driven insights and financial positioning
Model plan design and contribution strategies to support client decision-making
Partner with Producers and Consultants to support new business and organic growth opportunities
Participate in prospect meetings where financial expertise is required
Develop financial models and projections to support sales strategy and solution design
Help articulate the financial value of proposed strategies in a compelling and client-relevant way
Operate as a core leader within the client team, influencing strategy and execution without direct authority
Partner closely with Senior Account Managers and Consultants to ensure alignment between financial strategy and service delivery
Contribute to a high-performance team environment, operating with speed, accountability, and precision
Mentor and support Financial Analysts and junior team members as appropriate
Contribute to best practices, tools, and standardization across the financial consulting function
Maintain direct ownership of core analytical work, including modeling, reporting, and underwriting
Operate effectively without reliance on a large support structure; able to independently build, analyze, and deliver financial outputs
Balance strategic consulting responsibilities with consistent execution of detailed, high-quality work
Step in as needed to ensure delivery, regardless of level or task
Exercise strong judgment in ambiguous, high-stakes financial and client scenarios
Identify risks proactively and recommend strategic mitigation approaches
Lead resolution of financial discrepancies, reporting challenges, and data issues