Senior Underwriting Consultant - Internal Auditor

Manulife • Usa, MA

4d • Remote

About The Position

As a Senior Underwriting Consultant - Internal Auditor, you will join the US Life Underwriting Risk Management and Audit team, providing independent and objective quality assurance of underwriting decisions and processes. The role helps ensure underwriting guidelines are applied consistently, risks are managed appropriately, and opportunities for continuous improvement and training are identified. The position is remote and can be based anywhere in the continental United States.

Requirements

• Minimum 5 years of life insurance underwriting experience.
• Expert knowledge of medical, financial, and non-medical underwriting principles and practices.
• Strong understanding of life insurance risk assessment and underwriting guidelines.
• Strong analytical, critical thinking, and problem-solving skills.
• Excellent written, verbal, presentation, and interpersonal communication skills.
• Ability to work independently while managing multiple priorities.
• Strong attention to detail and organizational skills.
• Ability to influence and collaborate effectively with stakeholders at all levels.

Nice To Haves

• Experience auditing, reviewing, or coaching underwriting decisions.
• Knowledge of reinsurance treaties, retention limits, and marketplace practices.
• Experience with compliance and quality assurance programs.
• Strong digital literacy and proficiency with Microsoft 365 applications, including Excel, Word, PowerPoint, and Teams.
• Comfort adopting new technology and leveraging digital tools to improve efficiency and reporting.

Responsibilities

• Conduct independent audits and quality reviews of life insurance underwriting decisions, documentation, and processes.
• Evaluate underwriting assessments against established guidelines, procedures, and best practices.
• Assess medical, non-medical, financial, compliance, retention, and reinsurance decisions for appropriateness and consistency.
• Identify trends, gaps, and opportunities for process improvement and underwriter development.
• Recommend training and educational initiatives based on audit findings.
• Participate in team discussions, providing objective feedback and professional opinions on audit results.
• Collaborate with Underwriting, Medical, and Risk Management teams.
• Contribute to innovation, continuous improvement, and the evolution of the underwriting audit program.
• Support targeted audits of specialized case types and emerging business initiatives.

Benefits

• Eligible employees may receive customizable health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage.
• Adoption/surrogacy and wellness benefits, and employee/family assistance plans.
• Retirement savings plans, including pension and 401(k) plans, and a global share ownership plan with employer matching contributions.
• Financial education and counseling resources.
• U.S. paid time off includes up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time (or more where required by law).
• Statutory leaves of absence.
• Incentive programs and incentive compensation tied to business and individual performance.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior
• Education Level: No Education Listed