Sr. Underwriter, Cyber

Howden•New York, NY

2d•$125,000 - $175,000•Hybrid

About The Position

DUAL North America is seeking a Senior Underwriter for the Cyber division. At DUAL, Sr. Underwriters play a key role in shaping the underwriting framework, managing a portfolio of complex risks, and expanding broker relationships. In this role, you will provide technical expertise to evaluate insurance submissions, balancing risk exposure, coverage needs, and profitability. Leading and collaborating with a team of underwriters in the Cyber division, you will assess high-stakes cyber risks, lead account negotiations, and support cyber product evolution in response to emerging threats. Your insights will influence both underwriting decisions and division strategy.

Requirements

Bachelor’s degree in risk management, Finance, Business, or a related field preferred
5–8 years of relevant underwriting experience
Professional certifications such as CPCU, AU, or similar designations preferred
In-depth understanding of technical underwriting principles and risk assessment
Strong analytical, negotiation, and decision-making skills
Proven ability to manage and build broker and client relationships
Proficiency in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint)
Demonstrated ability to handle complex risks with sound judgment
Highly self-motivated with strong attention to detail
Ability to travel up to 25% as required for client meetings, conferences, or industry events
Must be able to remain in a stationary position approximately 50% of the time, with occasional movement throughout the office to access files and equipment

Responsibilities

Underwrite complex insurance risks within granted level of authorities by identifying and analyzing risk exposures, loss frequency and severity against desired coverage
Ensure submissions meet underwriting standards for the program and are profitable
Curate a portfolio of business in accordance with Underwriting Guidelines and prescribed pricing tools, but has more discretion in curating the portfolio than an underwriter
Identify changes in account/ market risk exposures and loss trends to maximize profitability
Work with Manager to define and execute team production goals
Review referrals from Underwriters and Associate Underwriters
Provides technical guidance, coaching, and mentoring to others on the team and within the company; may formally manage 1-2 direct reports but is not required
Execute on annual new and renewal business goals by achieving agreed premium income and hitting quote numbers with desired hit ratios and retentions
Foster relationships with key producers by traveling to connect and attend events/meetings as needed
Gather and compile information required to quote and/or bind an account
Demonstrate advanced understanding of technical underwriting principles and risk underwriting characteristics in their line of business which could include key components of risk factors and how these progress over time, understanding basic exclusions and understanding more nuanced risks as well; may begin expanding knowledge of other lines of business as well
Keep up to date on market dynamics, competitive landscape, and product differences - communicate market intelligence to the broader group
Negotiate with producers within the limits of delegated authority and in accordance with established underwriting standards to achieve profit objectives