Sr. Billing & Collections Rep Loss Sensitive

CopperPoint Insurance Companies•Phoenix, AZ

3d•Hybrid

About The Position

CopperPoint is hiring a Sr. Billing & Collections Rep Loss Sensitive 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 and supports billing accuracy, contractual compliance, effective financial management, customer service, and successful administration of large-account portfolios. The position works with policyholders, brokers, agents, third-party administrators, and internal business partners, as well as teams across Underwriting, Claims, Premium Audit, Actuarial, Finance, Treasury, and Legal. It also contributes to reporting, process improvements, system enhancements, audit support, and training. The posting identifies the role as hybrid through the #LI-Hybrid tag.

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 preferred.
Experience in commercial product lines preferred in addition to workers’ compensation insurance.
Bachelor’s degree in Accounting, Finance, Business Administration, Risk Management, or a related field preferred.

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 to support large-account servicing and billing administration.
Investigate and respond to inquiries from policyholders, brokers, agents, third-party administrators, and internal business partners regarding 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.
Identify trends and opportunities for process improvements 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 related to 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 audit requests from internal and external auditors.

Benefits

Medical, dental, and vision insurance.
Short-term and long-term disability coverage.
Life insurance, including basic life insurance and AD&D coverage at two times an employee’s annual salary at no cost to the employee.
Health savings account and flexible spending account.
401(k) plan with matching contributions.
Paid time off accrual that may total 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.