Sr. Billing & Collections Rep Loss Sensitive

CopperPoint Insurance Companies•Phoenix, AZ

2d•Hybrid

About The Position

CopperPoint is hiring a Senior Billing & Collections Representative to manage billing, reconciliation, and collection activities for complex large-account insurance programs, including large deductible, retrospective rating, collateralized, and other loss-sensitive programs. The role serves as a subject matter expert, helping ensure billing accuracy, contractual compliance, and effective financial management while providing customer service and supporting administration of large-account portfolios. The position works across teams including Underwriting, Claims, Premium Audit, Actuarial, Finance, Treasury, and Legal. It handles inquiries from policyholders, brokers, agents, third-party administrators, and internal partners; monitors receivables and collections; supports reporting and financial close activities; and contributes to process improvements, system initiatives, audit requests, and team training.

Requirements

At least 5 years of experience in insurance billing, receivables, accounting, finance, underwriting support, or related insurance operations.
Experience in workers’ compensation insurance is strongly required.
Advanced knowledge of workers’ compensation and other commercial insurance products, loss-sensitive products, large deductible programs, and retrospective rating plans.
Strong understanding of collateral instruments, including letters of credit, surety bonds, and cash collateral arrangements.
Advanced mathematical and analytical skills, including the ability to perform complex financial calculations and reconciliations.
Ability to analyze and interpret insurance contracts, policy language, and financial agreements.
Strong problem-solving, investigative, and critical-thinking skills.
Excellent organizational skills and ability to manage multiple priorities and deadlines.
Exceptional written and verbal communication skills.
Strong customer service and relationship-management abilities.
Advanced proficiency in Microsoft Excel, including formulas, pivot tables, and data analysis.
Ability to work independently while collaborating effectively across departments.

Nice To Haves

At least 3 years of experience administering large deductible, retrospective rating, collateral, or other loss-sensitive insurance programs.
Experience in commercial product lines.
Bachelor’s degree in Accounting, Finance, Business Administration, Risk Management, or a related field.
Experience supporting underwriting or related insurance operations.

Responsibilities

Serve as the subject matter expert for large deductible, retrospective rating, collateral, and other loss-sensitive billing programs.
Analyze loss activity, claim reimbursement transactions, and policy provisions to support accurate customer invoicing and account reconciliation.
Review and interpret policy forms, deductible structures, endorsements, service agreements, and collateral agreements to ensure billing accuracy.
Conduct detailed account reconciliations and transaction analysis to identify discrepancies and resolve complex billing issues.
Partner with Underwriting, Claims, Premium Audit, Actuarial, Finance, Treasury, and Legal teams on large-account servicing and billing administration.
Investigate and respond to inquiries about billing calculations, collateral requirements, and account balances.
Monitor accounts receivable and collection activity for assigned large accounts and proactively address delinquent balances.
Maintain accurate documentation related to loss-sensitive programs as necessary.
Identify trends and process-improvement opportunities that enhance billing accuracy, operational efficiency, and customer experience.
Participate in system enhancement initiatives, user acceptance testing, and implementation of new billing and financial processes.
Create and present account summaries, reporting, and performance metrics for leadership and business partners.
Ensure compliance with company policies, contractual obligations, accounting standards, and regulatory requirements.
Support month-end, quarter-end, and year-end billing, collections, and reporting activities for large-account billing functions.
Maintain service-level expectations for quality, productivity, and customer responsiveness.
Assist with special projects and strategic initiatives related to loss-sensitive programs.
Provide training and guidance to team members on large-account billing concepts and processes.
Support internal and external audit requests.

Benefits

Medical insurance
Dental insurance
Vision insurance
Short-term disability coverage
Long-term disability coverage
Life insurance, including basic life insurance and AD&D at two times an employee’s annual salary at no cost to the employee
Health savings account
Flexible spending account
401(k) plan with matching contributions
Paid time off accruing at 0.0769 hours per paid hour, potentially totaling 20 days per year
10 paid holidays annually
Employee Assistance Plan at no cost to the employee
12 hours of paid volunteer time annually
Matching of personal charitable contributions up to $500 per year
Tuition reimbursement and other education benefits
Business casual dress