Senior Underwriter, Cyber

Aviva•New York, NY

3d•$165,000 - $200,000•Hybrid

About The Position

As a Senior Underwriter, you will help build and grow Aviva Specialty’s Cyber portfolio. You will underwrite complex new and renewal business, manage broker relationships, and deliver disciplined, profitable growth. You will independently evaluate cyber exposures, structure coverage and pricing, manage an assigned portfolio within delegated authority, and contribute market and technical insight as the business develops. The role calls for strong Cyber underwriting expertise, sound commercial judgment, analytical rigor, and a relationship-oriented approach to the broker marketplace. Aviva Specialty is establishing its presence in the United States and building a Commercial Insurance organization designed for the long term. This role offers the opportunity to help develop the Cyber portfolio and market presence from the ground up, working across business functions in a flexible hybrid work model. Travel may be up to 40% for broker and client engagements, business development activities, team meetings, and industry conferences. The position is primarily performed in an office or remote work environment. It involves prolonged computer use, analysis of underwriting and business information, communication with internal and external stakeholders, and participation in virtual and in-person meetings.

Requirements

5–8+ years of commercial or specialty insurance underwriting experience, including meaningful experience underwriting Cyber risks.
Demonstrated ability to underwrite complex middle-market and/or large commercial Cyber accounts.
Strong knowledge of Cyber insurance coverage, cybersecurity exposures, risk assessment, pricing, and portfolio management principles.
Proven ability to independently make underwriting decisions and manage business within delegated authority.
Strong broker relationship management, negotiation, communication, and presentation skills.
Strong analytical judgment and ability to balance growth opportunities with underwriting discipline.
Bachelor's degree in Business, Finance, Risk Management, Insurance, Economics, or a related discipline.

Nice To Haves

CPCU, ARM, RPLU, AU, AINS, or another relevant professional insurance designation.
Established relationships within the U.S. Cyber insurance broker marketplace.
Experience with specialty and/or wholesale distribution.
Experience with portfolio analytics, aggregation management, and profitability analysis.
Experience operating in a growth-stage or build environment.

Responsibilities

Independently underwrite complex Cyber new and renewal business within delegated authority, balancing profitable growth with disciplined risk selection.
Evaluate account-specific Cyber exposures, cybersecurity controls, operational dependencies, claims history, financial performance, industry characteristics, and other relevant risk factors.
Determine appropriate pricing, limits, retentions, coverage terms, conditions, and policy structure.
Manage an assigned portfolio against premium, profitability, retention, rate adequacy, exposure management, and underwriting quality objectives.
Monitor aggregation risk, systemic cyber exposures, ransomware trends, regulatory developments, emerging technologies, and relevant market conditions.
Escalate risks outside delegated authority or risk appetite and support effective underwriting referrals.
Build and maintain productive relationships with wholesale, retail, national, regional, and specialty broker partners aligned to Aviva’s distribution strategy.
Develop a quality submission pipeline and identify new business opportunities that support profitable portfolio growth and diversification.
Communicate Aviva Specialty’s Cyber appetite, product capabilities, underwriting decisions, and value proposition to trading partners.
Participate in broker meetings, stewardship discussions, client presentations, and relevant industry events.
Partner with Distribution colleagues on targeted broker strategies and market engagement.
Maintain current knowledge of the evolving Cyber threat environment, insurance market, claims trends, regulatory developments, and emerging technologies.
Ensure underwriting files and decisions are complete, accurate, timely, and consistent with underwriting guidelines, authority frameworks, governance standards, and risk appetite.
Contribute technical insight to portfolio reviews, underwriting guidance, appetite discussions, product enhancements, and process improvements.
Partner with Claims, Actuarial, Product, Distribution, Risk Engineering, Operations, Finance, Legal, and Compliance to support underwriting and portfolio objectives.
Serve as a technical resource and share market knowledge with colleagues without formal people-management accountability.