Insurance Underwriters

At CVS Health, we’re building a world of health around every consumer and surrounding ourselves with dedicated colleagues who are passionate about transforming health care.

As the nation’s leading health solutions company, we reach millions of Americans through our local presence, digital channels and more than 300,000 purpose-driven colleagues – caring for people where, when and how they choose in a way that is uniquely more connected, more convenient and more compassionate. And we do it all with heart, each and every day.

CVS health is seeking a highly motivated self-starter to join the Control Assurance and Testing team, who with an entrepreneur spirit will help drive Control strengthening and risk mitigation to designated Business partners and SMEs.

You will collaborate with Control Assurance Testing teammates and key stakeholders to identify opportunities in strengthening Business controls to achieve Process objectives and to help in designing controls that help mitigate risk to an acceptable level.

Responsibilities include, but not limited to:

+ Conduct testing activities to evaluate effectiveness of controls.

+ Assist in the building of an effective Testing environment.

+ Support the questions from Business partners or Key Stakeholders in strengthening control environments.

+ Stay up to date in industry best practice proven through certification and further education.

+ Participate and engage in crucial conversations that seek opportunities for innovation and enhance operations through constructive feedback.

+ Participate and engage teammates in opportunities to enhance performance and build camaraderie.

+ Utilize your strong knowledge of Regulatory Compliance.

We are seeking someone who is interested in working full time from home Monday - Friday 8am - 5pm Eastern.

Required Qualifications

+ 2+ years of experience Risk Management, Control execution & management, or Banking professional.

+ 1+ years of experience utilizing Governance Risk Management System / tool.

+ Experience in utilizing program management tools such as Asana, Jira, or MS Teams.

Preferred Qualifications

+ Certified in Risk and Information Systems Control (CRISC)

+ Organized and skilled in prioritizing workloads based on deliverable needs.

+ Excellent written and verbal communication skills.

+ Proficient in Microsoft Office applications.

+ Ability to work independently with strong time management skills.

+ Pro-active nature for identifying opportunities in growth and professional development.

+ Experience in online work utilizing camera features to enhance visibility and engagement during virtual interactions.

Education

+ Bachelor’s degree or equivalent experience.

**Anticipated Weekly Hours**

40

**Time Type**

Full time

**Pay Range**

The typical pay range for this role is:

$64,890.00 - $144,200.00

This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above.

Our people fuel our future. Our teams reflect the customers, patients, members and communities we serve and we are committed to fostering a workplace where every colleague feels valued and that they belong.

**Great benefits for great people**

We take pride in our comprehensive and competitive mix of pay and benefits – investing in the physical, emotional and financial wellness of our colleagues and their families to help them be the healthiest they can be. In addition to our competitive wages, our great benefits include:

+ **Affordable medical plan options,** a **401(k) plan** (including matching company contributions), and an **employee stock purchase plan** .

+ **No-cost programs for all colleagues** including wellness screenings, tobacco cessation and weight management programs, confidential counseling and financial coaching.

+ **Benefit solutions that address the different needs and preferences of our colleagues** including paid time off, flexible work schedules, family leave, dependent care resources, colleague assistance programs, tuition assistance, retiree medical access and many other benefits depending on eligibility.

For more information, visit https://jobs.cvshealth.com/us/en/benefits

We anticipate the application window for this opening will close on: 05/31/2025

Qualified applicants with arrest or conviction records will be considered for employment in accordance with all federal, state and local laws.

We are an equal opportunity and affirmative action employer. We do not discriminate in recruiting, hiring, promotion, or any other personnel action based on race, ethnicity, color, national origin, sex/gender, sexual orientation, gender identity or expression, religion, age, disability, protected veteran status, or any other characteristic protected by applicable federal, state, or local law.

*BUSINESS CONTINUITY RISK MANAGEMENT SR. LEAD*

WHAT IS THE OPPORTUNITY?

Business Continuity Risk Management (BCRM) program is in the second line of defense and is accountable for CNB's BCRM strategy and framework, enabling CNB to identify, measure, monitor, and mitigate the risks associated with business continuity, crisis management and disaster recovery arising from CNB's business processes, people, systems or external events. BCRM works across CNB's businesses and functions, providing independent oversight and challenge to ensure effective implementation of BCM practices in compliance with regulatory and policy requirements. BCRM is also accountable to provide insight on CNB's overall Business Continuity Risk Profile.The Business Continuity Risk Management Sr. Lead is responsible for identifying and leading business continuity risk assessments, providing advice and independent challenge, monitoring metrics/key risk indicators, conducting business continuity risk reviews and analysis, and reporting thematic risks to ensure the Business Continuity Risk Profile is fairly presented.

What you will do

* Lead the development and execution of the BCRM risk program, framework, policies and procedures consistent with City National Bank’s and RBC’s Risk Framework to ensure a sound control environment from a BC/Operational Resilience perspective.

* Engage with internal stakeholder groups and external resources to maintain awareness of current and emerging risks and regulatory expectations.

* Lead independent business continuity risk reviews on the BCM program, including crisis management and disaster recovery, risks and control assessments, and root cause analysis.

* Streamline processes for risk identification and assessment, control assessment, testing and issue management.

* Lead continuous improvement activities and initiatives for BCRM, working with stakeholders, subject matter experts, and analysis of exception reports to define issues, determine root cause, and determine appropriate changes.

* Lead audit and regulatory BCRM remediation activities and ensure that all requests are completed timely, and materials provided as appropriate.

* Provide advice and oversight on business continuity program risk issues, monitoring and measuring business continuity risk performance, policy adherence, and reviewing and challenging of strategy (initiative, products), control design, implementation, testing, and remediation across CNB.

* Develop risk analysis and reporting, including risk metrics and thematic reviews, for dissemination to both first line of defense BCM leadership, risk management committees, CNB’s parent holding company, and CNB’s regulators.

* Liaise with key stakeholder groups including Enterprise Risk Management, Operational Risk Management, First Line Business Continuity Management, Crisis Management Group, and Third-Party Risk Management.

* Ensure appropriate escalation of issues to first line and senior management as required.

* Lead independent business continuity risk reviews on new products, new processes, risks and control assessments, and root cause analysis.

* Appropriately assess risk when business decisions are made, demonstrating particular consideration for the firm's reputation and safeguarding CNB, its clients and assets, by driving compliance with applicable laws, rules and regulations, adhering to Policy, applying sound ethical judgment regarding personal behavior, conduct and business practices, and escalating, managing and reporting control issues with transparency.

*Must-Have**

* Bachelor's Degree or equivalent

* Minimum 12 years of Business Continuity Risk Management and Operational Resilience

* Minimum 8 years of experience in risk and controls, appropriately scoping assessments, providing credible challenges, and performing assurance testing.

*Skills and Knowledge*

* Comprehensive knowledge and experience in business Continuity risk management including disaster recovery, crisis management and operational resiliency processes and frameworks.

* Strong understanding of the business continuity risk encompassing business continuity planning, disaster recovery and crisis management framework and practices; strong knowledge of the FFIEC IT BCM Handbook and NIST.

* Currently hold or quickly obtain industry recognized certification within the business continuity industry.

* Excellent oral and written communications skills; experience performing both detailed and executive-level documentation.

* Experience using business continuity or Governance, Risk and Compliance (GRC) systems.

* Ability to drive change to business practices by working effectively. Self-starting with the ability to multitask and prioritize in a dynamic, fast paced environment.

* Strong project management skills.

* Client-focused and open to different ideas/viewpoints.

* Advanced knowledge of Microsoft Office tools; specifically, Excel, PowerPoint and SharePoint.

* Demonstrated analytical skills with follow-up and problem solving capability to improve quality, controls, and efficiency.

*Compensation*

Starting base salary: $0 - $0 per hour. Exact compensation may vary based on skills, experience, and location.

**To be considered for this position you must meet at least these basic qualifications*

The preceding job description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities, and qualifications required of employees assigned to this job.

*Benefits and Perks*

At City National, we strive to be the best at whatever we do, including the benefits and perks we offer our colleagues. Get an inside look at our (https://image.emails.cnb.com/lib/fe5e15707c640c78771c/m/10/cbedd856-c2fc-491b-a625-3ab7a0fd9a65.pdf).

ABOUT CITY NATIONAL

City National Bank, a subsidiary of Royal Bank of Canada, is the largest bank headquartered in Los Angeles with $92.03 billion in assets as of April 30, 2024. Founded in 1954, City National provides personalized banking, investment and trust services in select markets including Los Angeles, Orange County, San Diego, the San Francisco Bay Area, New York City, Nashville, Atlanta, Delaware, Las Vegas, Washington D.C. and Miami.* In addition, the company and its investment affiliates manage or administer $96.83 billion in client investment assets. City National is dedicated to strengthening communities, and in 2023 alone, the company made more than $11 million in charitable contributions to nonprofits that support the communities it serves.

*City National Bank does business in Miami and the state of Florida as CN Bank.

For more information about City National, visit (https://www.cnb.com/).

*EQUAL OPPORTUNITY EMPLOYER & REASONABLE ACCOMMODATION*

City National Bank is an equal opportunity employer committed to promoting and maintaining a diverse, equitable and inclusive working environment where differences are valued and encouraged. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, veteran status or any other basis protected by the laws or regulations in the locations where we operate or in our Code of Conduct. (https://image.emails.cnb.com/lib/fe5e15707c640c78771c/m/1/159726e0-aeb1-4058-9052-d7a2d69626b8.pdf)

If you are a qualified individual with a disability or a disabled veteran, you have the right to request a reasonable accommodation for any part of the employment process. Please contact us via (mailto:TalentAcquisition@cnb.com) or leave a message at (213) 673-9139. These contact methods are dedicated to applicants whose disability prevents them from successfully applying online. Only messages left for this purpose will be returned. Responses may take up to two business days.

**Who We Are:**

At Avnet, relationships matter. We are a global, FORTUNE ® 500 technology distributor and solutions company that delivers design, supply chain and logistics expertise to customers at every stage of a product’s lifecycle. Our employees have a front row seat to the latest innovations shaping the world we live in and the future we share. We’re driven to help our customers around the world succeed and we do so by earning the trust of some of the biggest names in technology.

Working at Avnet means being a part of a global team. We work collaboratively and with integrity, doing business the right way. For more than a century, we have partnered together to help our customers, suppliers and teammates realize the transformative possibilities of technology. Experience what’s next at Avnet!

**Job Summary:**

Responds to customer inquiries, expedites critical orders, communicates dispositions, researches and resolves issues, and researches orders.

**Principal Responsibilities:**

+ May provide quote preparation, order tracking, backlog processing, invoicing, returns, discrepancy resolution, customer credit problems and/or other such support to sales team members and/or external customers (including order expediting, stock queries, reporting and stock rotation).

+ May Identify, investigate, and participate in opportunities to improve processes and procedures, to include various key performance metrics.

+ Ensures that good customer relations are maintained and customer claims and complaints are resolved fairly, effectively and in accordance with consumer laws.

+ Maintains and updates electronic and/or hard copy records as required.

+ Other duties as assigned.

**Job Level Specifications:**

+ Extensive knowledge of the organization, job, practices and procedures, enabling a high level of contribution.

+ Completes complex assignments requiring significant judgment, initiative and problem solving skills.

+ Work is performed under minimal guidance and assigned in the form of desired expectations. Independent judgment is used to determine best approach and creativity is expected to achieve maximum results and handle new situations.

+ Collaboration with internal or external contacts. May participate on teams for special assignments. Responds to requests from senior management, internal and/or external contacts.

+ Actions may have significant impact to department as well as others. Errors may be difficult to detect and remedy and potentially result in loss of customer business, materials, money and/or time.

**Work Experience:**

+ Typically requires a minimum of five years of related experience.

**Education and Certification(s):**

+ High School Diploma or equivalent

**Distinguishing Characteristics:**

+ Must have computer, email, phone, communication and problem solving skills.

+ Must be able to multi-task and work in a fast paced environment.

+ May require fluency in more than one language.

\#LI-Hyrbid

**What We Offer:**

Our employees work hard to live our values and help us grow. Our total rewards strategy supports Avnet’s ability to attract, engage, develop, and reward our employees, while promoting a diverse and inclusive environment. We offer competitive compensation and benefit programs — from time away and flexible working arrangements to programs supporting employee well-being and opportunities to give back to your community.

+ Generous Paid Time Off

+ 401K and Pension Plan

+ Paid Holidays

+ Family Support (Paid Leave, Surrogacy, Adoption)

+ Medical, Dental, Vision, and Life Insurance

+ Long-term and Short-term Disability Insurance

+ Health Savings Account / Flexible Spending Account

+ Education Assistance

+ Employee Development Resources

+ Employee Wellness, Leadership Development and Mentorship Programs

Benefits listed above may vary depending on the nature of your employment with Avnet.

The above statements are intended to describe the general nature and level of work being performed. They are not intended to be construed as an exhaustive list of all responsibilities, duties, and skills.

Avnet is an Equal Opportunity Employer committed to providing equal opportunities to all employees and applicants for employment without regard to race, color, religion, ancestry, national origin, sex (including pregnancy), age, marital status, sexual orientation, gender identity or expression, disability, veteran status, genetic information or any other characteristic protected by law. This policy of non-discrimination also applies to religious dress and grooming practices. Avnet will accommodate employee religious dress standards and grooming practices that do not result in undue hardship for the Company. If you are interested in applying for employment with Avnet and need special assistance or an accommodation to apply for a posted position contact our Human Resources Service Center at (888) 994-7669.

**Description**

**You Lead the Way. We’ve Got Your Back.**

With the right backing, people and businesses have the power to progress in incredible ways. When you join Team Amex, you become part of a global and diverse community of colleagues with an unwavering commitment to back our customers, communities and each other. Here, you’ll learn and grow as we help you create a career journey that’s unique and meaningful to you with benefits, programs, and flexibility that support you personally and professionally.

At American Express, you’ll be recognized for your contributions, leadership, and impact—every colleague has the opportunity to share in the company’s success. Together, we’ll win as a team, striving to uphold our company values and powerful backing promise to provide the world’s best customer experience every day. And we’ll do it with the utmost integrity, and in an environment where everyone is seen, heard and feels like they belong.

Join Team Amex and let’s lead the way together.

How we serve our customers is constantly evolving and is a challenge we gladly accept. Whether you’re finding new ways to prevent identity fraud or enabling customers to start a new business, you can work with one of the most valuable data sets in the world to identify insights and actions that can have a meaningful impact on our customers and our business. And, with opportunities to learn from leaders who have defined the course of our industry, you can grow your career and define your own path. Find your place in risk and analytics on #TeamAmex.

The Global Risk & Compliance Organization is an independent risk management function, led by the Chief Risk Officer, with the objective of ensuring that American Express operates in a safe, sound, and fully compliant manner with all applicable regulatory expectations. Global Risk & Compliance creates and maintains the overall risk management framework, performs independent risk management assessments, and monitors applicable risks.

Colleagues at Global Risk & Compliance are passionate about our commitment to drive the Company’s goals of growth and progress by creating a culture of risk awareness and proactivity around regulatory matters.

The Operational Risk Management (ORM) team facilitates and monitors the implementation of effective operational risk management programs throughout the company, and oversees risk ownership throughout business units, products, and processes.

The objective of the ORM Governance team is to develop, oversee and strengthen the organization’s ORM framework to ensure that governance structures, policies, and procedures are robust, effective, and align with regulatory requirements and best practices.

The ORM Governance Organization is looking for an Analyst, U.S. Consumer Services Team Operational Risk to join a diverse team of high-performing individuals focused on the effective oversight of risk identification, assessment, and mitigation across the Business Unit, while maintaining alignment with the organization’s enterprise risk management framework.

The U.S. Consumer Services Team is responsible for our suite of consumer products, services, and experiences in the U.S., including our premium, cobrand, cash back, and lending portfolios, Membership Rewards, Global Travel & Lifestyle Services, the Centurion Lounge network, our Global Dining and Resy businesses, and best-in-class marketing programs across customer, prospect, and partner channels. The USCS team is focused on making membership an indisputable competitive advantage and helping each other become better leaders every day.

Reporting directly to the Director, U.S. Consumer Services Operational Risk, this role plays a critical part in assessing, monitoring, and challenging the first line’s risk management practices. The ideal candidate will partner closely with first-line stakeholders and enterprise risk functions to provide independent oversight and challenge, ensuring that risks are managed effectively and in compliance with regulatory expectations.

**The Analyst, U.S. Consumer Services Team Operational Risk will:**

+ Support the independent oversight and challenge of first-line risk identification, assessment, and mitigation efforts (i.e., Risk & Control Self-Assessment) within U.S. Consumer Services to ensure alignment with enterprise risk standards

+ Analyze business processes and activities to identify potential risks, control gaps, and emerging risks

+ Support the development and refinement of risk policies, standards, and procedures

+ Assist in applying the enterprise risk management framework across U.S. Consumer Services

+ Support U.S. Consumer Services in embedding risk management practices into daily operations and decision-making

+ Support the tracking and analysis of key risk indicators (KRIs), providing insights into risk trends and areas requiring attention

+ Contribute to risk reporting efforts, preparing materials for senior management, risk committees, and regulatory engagements

+ Maintain an understanding of relevant regulations and industry expectations to help the business navigate compliance requirements

+ Conduct risk assessments, scenario analyses, and deep dives to evaluate the effectiveness of existing controls

+ Monitor risk-related issues, ensuring they are appropriately addressed

+ Escalate significant risk concerns and control deficiencies to senior risk colleagues and relevant stakeholders

**Qualifications:**

+ Experience in risk management, preferably within a second-line function in financial services, and understands critical risk management lifecycle activities

+ Knowledge of risk management frameworks, regulatory environments, and industry best practices

+ Proven ability to assess and challenge first-line risk practices independently

+ Excellent communication, with the ability to translate complex risk concepts into actionable insights

+ Ability to build productive partnerships across the organization

+ Strong understanding of operational and regulatory risks

+ Proficiency in risk management tools, data analysis, and reporting systems

+ Advanced analytical and problem-solving capabilities, with a focus on actionable insights

+ Detail-oriented and proactive, with strong prioritization skills in a dynamic environment

+ High ethical standards and a commitment to integrity and accountability

**Qualifications**

Salary Range: $55,000.00 to $105,000.00 annually bonus benefits

The above represents the expected salary range for this job requisition. Ultimately, in determining your pay, we’ll consider your location, experience, and other job-related factors.

We back our colleagues and their loved ones with benefits and programs that support their holistic well-being. That means we prioritize their physical, financial, and mental health through each stage of life. Benefits include:

+ Competitive base salaries

+ Bonus incentives

+ 6% Company Match on retirement savings plan

+ Free financial coaching and financial well-being support

+ Comprehensive medical, dental, vision, life insurance, and disability benefits

+ Flexible working model with hybrid, onsite or virtual arrangements depending on role and business need

+ 20 weeks paid parental leave for all parents, regardless of gender, offered for pregnancy, adoption or surrogacy

+ Free access to global on-site wellness centers staffed with nurses and doctors (depending on location)

+ Free and confidential counseling support through our Healthy Minds program

+ Career development and training opportunities

For a full list of Team Amex benefits, visit our Colleague Benefits Site .

American Express is an equal opportunity employer and makes employment decisions without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, veteran status, disability status, age, or any other status protected by law. American Express will consider for employment all qualified applicants, including those with arrest or conviction records, in accordance with the requirements of applicable state and local laws, including, but not limited to, the California Fair Chance Act, the Los Angeles County Fair Chance Ordinance for Employers, and the City of Los Angeles’ Fair Chance Initiative for Hiring Ordinance. For positions covered by federal and/or state banking regulations, American Express will comply with such regulations as it relates to the consideration of applicants with criminal convictions.

We back our colleagues with the support they need to thrive, professionally and personally. That's why we have Amex Flex, our enterprise working model that provides greater flexibility to colleagues while ensuring we preserve the important aspects of our unique in-person culture. Depending on role and business needs, colleagues will either work onsite, in a hybrid model (combination of in-office and virtual days) or fully virtually.

US Job Seekers/Employees - Click here to view the “Know Your Rights” poster and the Pay Transparency Policy Statement.

If the links do not work, please copy and paste the following URLs in a new browser window: https://www.dol.gov/agencies/ofccp/posters to access the three posters.

* Employment eligibility to work with American Express in the U.S. is required as the company will not pursue visa sponsorship for these positions.

**Job:** Risk

**Primary Location:** US-Florida-Sunrise

**Other Locations:** US-North Carolina-Charlotte, US-Arizona-Phoenix, US-Georgia-Atlanta, US-Ohio-Columbus, US-Utah-Sandy

**Schedule** Full-time

**Req ID:** 25004827

Vensure Employer Solutions is the largest privately held organization in the HR technology and service sector, providing a comprehensive portfolio of solutions, including HR/HCM technology, managed services, and global business process outsourcing (BPO). The company and its service providers collectively serve over 95,000 businesses and process over $135B in annual payroll. As a "One Employer Solution” headquartered in Chandler, Arizona, Vensure helps thousands of businesses streamline and grow their operations with custom strategies that benefit both employers and employees. Find out more by visiting www.vensure.com .

Position Summary
The AVP of Health Underwriting is responsible for assessing medical risk for a PEO sponsored medical plan. Works within specific limits of authority on assignments requiring significant technical complexity and coordination. Utilizes underwriting policies and guidelines, rating rules and carrier regulations to appropriately price medical risk. Co-manages multiple books of business to ensure competitive landscape for new business sales as well as risk mitigation on existing clients.

Essential Duties and Responsibilities
Works with Sales and support teams to ensure all collateral required for quoting is received. Must be able to quickly and clearly explain/request missing items or discrepancies with submission.
Develop judgment to assess new business for master medical plans as needed while working with senior underwriters or management, to ensure a profitable book of business.
Updates all underwriting systems as appropriate.
Provides underwriting knowledge sharing and education to peers and/or members of the sales team.
Review and become familiar with plan offerings, internal relationships, underwriting and team guidelines, processes, and procedures, company business strategy and organization.
Must be detail-oriented, but also able to switch quickly from task to task as needed. Must be proficient in using several systems/programs at once.
Works closely with outside vendors to ensure our technology and quoting engines are updated annually with the appropriate information for new business quoting.
Assists SVP with all projects including technology development, marketing initiatives, and Open Enrollment projects.
Assists SVP with any Division Partner transition, works with the medical/ancillary carrier to establish guidelines, and evaluates product portfolios to ensure competitive landscape for new business sales.
Provides support and supervision of the Health Underwriters and Sr. Health Underwriters.
Makes complex decisions and handles escalations for both the Health Underwriters and Sr. Health Underwriters.
Spearheads multiple projects assigned by the SVP of the Health Underwriting Department.
Steps in as a backup to the SVP during their PTO or extended leave.
Knowledge, Skills, and Abilities
Ability to use a computer, keyboard and screens to access information necessary to perform the essential duties and responsibilities.
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.
Ability to write routine reports and correspondence, speak effectively with employees of the company, managers, internal and external customers and vendors.
Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals, compute rate, ratio, and percent.
Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving variables in standardized situations.
Ability to work under direction and work well with all areas of the Company including management and peers.
Excellent time management, resource management and planning skills.
Impeccable attention-to-detail.
Must be a team player who is conscientious, reliable, discrete, confidential and honest. Possess a take charge professional approach with a high standard of quality, strong work ethic and be assertive in a positive way.
Education & Experience
High School Diploma required, Bachelors degree preferred or comparable experience.
Insurance carrier underwriting experience preferred 6+ years.
PEO underwriting experience preferred 6+ years.
Familiarity with office environment​.
Proficiency in Microsoft Word, PowerPoint and Excel.

We are a proud work-from-office company. If you're ready to work on-site in a dynamic, global company, we’d love to hear from you.

About Us

Vensure Employer Solutions is the largest privately held organization in the HR technology and service sector, providing a comprehensive portfolio of solutions, including HR/HCM technology, managed services, and global business process outsourcing (BPO). The company and its service providers collectively serve over 95,000 businesses and process over $135B in annual payroll. As a "One Employer Solution” headquartered in Chandler, Arizona, Vensure helps thousands of businesses streamline and grow their operations with custom strategies that benefit both employers and employees. Find out more by visiting www.vensure.com .

Position Summary

The Health Underwriter is responsible for assessing medical risk for a PEO sponsored medical plan. Works within specific limits of authority on assignments requiring significant technical complexity and coordination. Utilizes underwriting policies and guidelines, rating rules and carrier regulations to appropriately price medical risk.

Essential Duties and Responsibilities

Collects and reviews customer-specific information such as existing group medical plans and rates, employee census, carrier history and previous claim experience to ensure submission completion and accuracy.

Works with Sales and support teams to ensure all collateral required for quoting is received. Must be able to quickly and clearly explain/request missing items or discrepancies with submission.

Calculates rates for complex group cases based on thorough analysis of the group's experience, industry, location, size, and demographic nature using underwriting methodologies.

Develop judgment to assess new business for master medical plans as needed while working with senior underwriters or management, to ensure a profitable book of business.

Reviews and completes all sales requests and inquiries within company established standards and policy guidelines.

Updates all underwriting systems as appropriate.

Provides underwriting knowledge sharing and education to peers and/or members of the sales team.

Review and become familiar with plan offerings, internal relationships, underwriting and team guidelines, processes, and procedures, company business strategy and organization.

Must be detail-oriented, but also able to switch quickly from task to task as needed. Must be proficient in using several systems/programs at once.

Multi-tasking skills are a necessity, with the ability to manage and prioritize several incoming requests at once in a fast-paced environment

Knowledge, Skills, and Abilities

Ability to use a computer, keyboard and screens to access information necessary to perform the essential duties and responsibilities.

Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals.

Ability to write routine reports and correspondence, speak effectively with employees of the company, managers, internal and external customers and vendors.

Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals, compute rate, ratio, and percent.

Ability to apply common sense understanding to carry out instructions furnished in written, oral, or diagram form. Ability to deal with problems involving variables in standardized situations.

Ability to work under direction and work well with all areas of the Company including management and peers.

Excellent time management, resource management and planning skills.

Impeccable attention-to-detail.

Must be a team player who is conscientious, reliable, discrete, confidential and honest. Possess a take charge professional approach with a high standard of quality, strong work ethic and be assertive in a positive way.

Education & Experience

High School Diploma required, Associates degree preferred or comparable experience.

Insurance carrier underwriting experience preferred 2+ years.
PEO underwriting experience preferred 2+ years.

Proficiency in Microsoft Word, PowerPoint and Excel .

Familiarity with office environment​.

E&S Primary Casualty Underwriter (Senior or AVP)

120063

Zurich is currently looking to hire an experienced E&S Primary Casualty Underwriter (Senior or AVP) to join the new E&S Casualty team in support of our West region in Phoenix, AZ. We may also consider candidates in Schaumburg, IL or Seattle, WA.You will have the flexibility to work on a hybrid basis and partner with your manager to set a flexible work schedule that supports you, our customers, and our brokers and agents. This role will require you to be visible in the marketplace to meet with our agents and brokers. In this role you will be working with national wholesalers to drive growth with a focus on profitability.

Zurich E&S is dedicated 100% to a wholesale distribution model and a product and technology strategy designed to make Zurich a market leader in E&S as measured by gross written premium, profitability, and employee satisfaction!

This role will be filled at either a Senior or AVP Underwriter level. The hiring manager will determine the appropriate level based upon the selected applicant’s experience and skillset relative to the qualifications listed for this position. As a Senior or AVP Underwriter you will serve as a leader and mentor to the team offering technical guidance on key coverage issues and forms.

What you can expect in an E&S Primary Casualty Underwriting position at Zurich:

+ You will develop and maintain relationships with broker partners and customers across all industries in support of business objectives

+ You will leverage your casualty underwriting acumen across risk assessment, exposure evaluation and pricing to generate and maintain a profitable book of new and renewal business

+ You will work collaboratively across business units including but not limited to; claims, finance, risk engineering, actuary, and technical underwriting while gaining extensive knowledge in a growing and innovative industry

+ You will be empowered to use your market facing, negotiation and interpersonal skills to grow and develop relationships with preferred distribution partners in an assigned territory

Our E&S Casualty Underwriter is responsible for:

+ Serving as a customer industry advocate with a focus on improving the customer experience by understanding their risk and offering the best end to end solution for their insurance needs

+ Using a disciplined approach to exposure evaluation, risk assessment and pricing

+ Using risk insights, data and models to drive informed decisions at point of sale

+ Market facing and production within the growing Zurich E&S Casualty division

+ Administering and monitoring underwriting rules and guidelines, insurance laws and regulations and rating manual rules

+ Working within broad limits and authorities on highly complex assignments

+ Coaching, developing and empowering junior team members.

Senior E&S Casualty Underwriter Basic Qualifications:

+ High School Diploma or Equivalent and 5 or more years of experience in the Underwriting or Market Facing areaOR

+ High School Diploma or Equivalent and 10 or more years of experience in the Claims or Underwriting Support areaOR

+ Zurich Certified Insurance Apprentice including an Associate Degree and 3 or more years of experience in the Underwriting or Market Facing areaOR

+ Zurich Certified Insurance Apprentice including an Associate Degree and 8 or more years of experience in the Claims or Underwriting Support area

OR

AVP, E&S Primary Casualty Underwriter Basic Qualifications:

+ High School Diploma or Equivalent and 7 or more years of experience in the Underwriting or Market Facing areaOR

+ High School Diploma or Equivalent and 14 or more years of experience in the Claims or Underwriting Support areaOR

+ Zurich Certified Insurance Apprentice including an Associate Degree and 5 or more years of experience in the Underwriting or Market Facing areaOR

+ Zurich Certified Insurance Apprentice including an Associate Degree and 12 or more years of experience in the Claims or Underwriting Support area

Preferred Qualifications:

+ Bachelor’s Degree or equivalent years of E&S Commercial insurance industry experience

+ Technical knowledge of Primary Casualty Underwriting with E&S

+ Established wholesale broker relationships

+ Creative problem-solving skills

+ Strong verbal and written communication skills

At Zurich, compensation for roles is influenced by a variety of factors, including but not limited to the specific office location, role, skill set, and level of experience. In compliance with local laws, Zurich commits to providing a fair and reasonable compensation range for each role. For more information about our Total Rewards, please clickhere (https://www.zurichna.com/careers/benefits) . Additional rewards may encompass short-term incentive bonuses and merit increases. We encourage candidates with salary expectations beyond the provided range to apply, as they will be considered based on their experience, skills, and education. The salary indicated represents a nationwide market range and has not been adjusted for geographic differentials pertaining to the location where the position may be filled. The combined salary range for this position is $120,000.00 - $222,000.00. Theproposedsalary range for theSenior E&S Casualty Underwriter is $120,000.00 - $170,000.00,with short-term incentive bonus eligibility set at 15% FortheAVP, E&S Primary Casualty Underwriteris $172,000.00 - $222,000.00,with short-term incentive bonus eligibility set at 20%.

As an insurance company, Zurich is subject to 18 U.S. Code § 1033.

As a condition of employment at Zurich, employees must adhere to any COVID-related health and safety protocols in place at that time ( https://www.zurichna.com/careers/faq ).

A future with Zurich. What can go right when you apply at Zurich?

Now is the time to move forward and make a difference. At Zurich, we want you to share your unique perspectives, experiences and ideas so we can grow and drive sustainable change together. As part of a leading global organization, Zurich North America has over 150 years of experience managing risk and supporting resilience. Today, Zurich North America is a leading provider of commercial property-casualty insurance solutions and a wide range of risk management products and services for businesses and individuals. We serve more than 25 industries, from agriculture to technology, and we insure 90% of the Fortune 500®. Our growth strategy is not limited to our business. As an employer, we strive to provide ongoing career development opportunities, and we foster an environment where voices are diverse, behaviors are inclusive, actions drive equity, and our people feel a sense of belonging. Be a part of the next evolution of the insurance industry. Join us in building a brighter future for our colleagues, our customers and the communities we serve. Zurich maintains a comprehensive employee benefits package for employees as well as eligible dependents and competitive compensation. Please clickhere (https://www.zurichna.com/careers) to learn more.

As a global company, Zurich recognizes the diversity of our workforce as an asset. We recruit talented people from a variety of backgrounds with unique perspectives that are truly welcome here. Taken together, diversity and inclusion bring us closer to our common goal: exceeding our customers’ expectations. Zurich does not discriminate on the basis of age, race, ethnicity, color, religion, sex, sexual orientation, gender expression, national origin, disability, protected veteran status or any other legally protected status. EOE disability/vet

Zurich does not accept unsolicited resumes from search firms or employment agencies. Any unsolicited resume will become the property of Zurich American Insurance. If you are a preferred vendor, please use our Recruiting Agency Portal for resume submission.

Location(s): AM - Arizona Virtual Office, AM - Schaumburg, AM - Seattle, AM - Phoenix, AM - Scottsdale

Remote Working: Hybrid

Schedule: Full Time

Employment Sponsorship Offered: No

Linkedin Recruiter Tag: #LI-WL1 #LI-ASSOCIATE #LI-HYBRID

**About this role:**

Wells Fargo is seeking a Lead Credit Portfolio Consultant as a part of Merchant Underwriting. Learn more about our career areas and lines of business at wellsfargojobs.com.

**In this role, you will:**

+ Lead or participate in moderately complex credit and portfolio consulting services

+ Mentor and guide large scale planning related to credit performance, potential or emerging risks, and credit and portfolio strategies

+ Review and analyze potential or emerging credit risks that require an in-depth evaluation of variable factors to ensure conformity with risk appetite and culture, as well as appropriate credit policies

+ Resolve moderately complex credit issues

+ Lead a team to meet deliverables while leveraging solid understanding of credit products, programs, or related policies

+ Collaborate and consult with peers, colleagues, and mid level managers to resolve credit portfolio issues and achieve goals

+ Lead projects, teams, or serve as a mentor for less experienced staff

**Required Qualifications:**

+ 5+ years of Credit Consulting Portfolio experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education

**Desired Qualifications:**

+ Credit risk, merchant services underwriting, commercial underwriting, commercial loan review, portfolio management or equivalent experience in financial services

+ Ability to make timely decisions in highly complex and multifaceted underwriting situations requiring solid understanding of line of business guidance and credit policy.

+ Ability to engage, influence, and collaborate with a wide range of stakeholders to deliver results

+ Ability to draft and present to senior management in a clear and concise manner in written and oral form

+ Ability to exercise sound judgment, demonstrate professionalism, and proactively escalate issues along with recommendations for successful resolution

+ Ability to take initiative and work independently with minimal supervision in a structured environment

+ Ability to multi-task and work in a highly matrixed and fast paced business environment

+ Effective organizational skills with the ability to manage multiple and sometimes competing priorities

+ Effective communication skills across all audiences

+ Ability to execute controls in support of effective FLOD underwriting risk management

+ Experience in influencing, guiding and leading less experienced Underwriting staff within the group

+ Experience in participating in cross functional teams to strategize, plan, and execute a variety of underwriting programs, services and initiatives

**Job Expectations:**

+ This position is not eligible for a visa sponsorship.

+ This position offers a hybrid work schedule.

+ Relocation assistance is not available for this position.

**Posting Locations:**

+ 1525 W W T Harris Blvd, CHARLOTTE, NC

+ 1150 W Washington St, TEMPE, AZ

+ 800 S Jordan Creek Pkwy, WEST DES MOINES

**Posting End Date:**

28 Mar 2025

**_*Job posting may come down early due to volume of applicants._**

**We Value Diversity**

At Wells Fargo, we believe in diversity, equity and inclusion in the workplace; accordingly, we welcome applications for employment from all qualified candidates, regardless of race, color, gender, national origin, religion, age, sexual orientation, gender identity, gender expression, genetic information, individuals with disabilities, pregnancy, marital status, status as a protected veteran or any other status protected by applicable law.

Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit’s risk appetite and all risk and compliance program requirements.

Candidates applying to job openings posted in US: All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.

Candidates applying to job openings posted in Canada: Applications for employment are encouraged from all qualified candidates, including women, persons with disabilities, aboriginal peoples and visible minorities. Accommodation for applicants with disabilities is available upon request in connection with the recruitment process.

**Applicants with Disabilities**

To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo (https://www.wellsfargojobs.com/en/diversity/disability-inclusion/) .

**Drug and Alcohol Policy**

Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy (https://www.wellsfargojobs.com/en/wells-fargo-drug-and-alcohol-policy) to learn more.

**Wells Fargo Recruitment and Hiring Requirements:**

a. Third-Party recordings are prohibited unless authorized by Wells Fargo.

b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.

**Req Number:** R-445734

**You could say we're at the center of the center.**

Here at Edward Jones the client is our single focus and our relationships with them are the measure of everything we do. And Service and Operations divisions are at the center of it all. We support our clients, branch teams and headquarter associates in providing the best possible experience. Advocate for our more than 7 million clients through regulation communication, fraud protection and managing their investment distributions. Protect their investments by mitigating risk. And innovate new ways of working. Using insights to create solutions for the future - in the here and now.

**Job Overview**

**Position Schedule:** Full-Time

**What You'll Do:**

The Digital, Data, & Operations (DDO) organization at Edward Jones is known as the execution arm of the Firm, bringing the strategy of the enterprise to life. As a Sr. Risk & Control Associate (also known as Sr. Risk Manager) within the DDO First Line Risk capability, you will work in partnership with key stakeholders from across the firm to facilitate risk assessments coverage. Through this work you'll ensure the risks associated with key operational processes are appropriately controlled for via execution of the firm's Enterprise Risk Management framework for identifying, assessing, mitigating, monitoring, reporting and escalating risks.

**Here are a few of the Key Responsibilities:**

+ Act as an independent advisor for leaders and associates by facilitating risk assessment over critical processes to ensure significant risks within the process are addressed, with regards to financial, reputational, legal, regulatory, and operational impacts.

+ Consolidate, develop, and report process diagrams and risk assessment information across areas to allow business owners and senior leadership to effectively manage the division's risk profile.

+ Execute risk management procedures through quantitative and qualitative analysis utilizing established Risk and Control matrixes and GRC applications.

+ Advise and assist process owners on performing control effectiveness analysis to identify gaps in control design.

+ Responsible for supporting risk and control activities in alignment with ERM policies and standards.

+ Assist DDO Risk Leadership in developing risk strategy and framework for the division.

+ Review and report key emerging risk themes to divisional leadership.

+ Assist in development of risk training and education material for business partners.

+ Serve as a coach and risk liaison for divisional stakeholders.

+ Stay informed on risk industry and educational/development opportunities.

+ This is an individual contributor role. Internally, the position title will be Senior Risk & Control Associate.

Edward Jones' compensation and benefits package includes medical and prescription drug, dental, vision, voluntary benefits (such as accident, hospital indemnity, and critical illness), short- and long-term disability, basic life, and basic AD&D coverage. Short- and long-term disability, basic life, and basic AD&D coverage are provided at no cost to associates. Edward Jones offers a 401k retirement plan, and tax-advantaged accounts: health savings account, and flexible spending account. Edward Jones observes ten paid holidays and provides 15 days of vacation for new associates beginning on January 1 of each year, as well as sick time, personal days, and a paid day for volunteerism. Associates may be eligible for bonuses and profit sharing. All associates are eligible for the firm's Employee Assistance Program. For more information on the Benefits available to Edward Jones associates, please visit our benefits page (https://secure.edwardjonesbenefits.com/fleet/public/index/f914262d-0362-4682-bd1e-0ccd25f1dfb1) .

**Hiring Minimum:** $99200

**Hiring Maximum:** $168900

Read More About Job Overview

**Skills/Requirements**

**Qualifications Required in the Job:**

+ 3 + years of risk management experience required

+ College degree

+ Proficiency in Microsoft product suite as well as other software programs and databases

+ Ability to effectively execute risk engagements utilizing established risk frameworks

**What Could Set You Apart:**

+ CPA, CIA, FRM, or other risk certification

+ Experience developing risk frameworks

****Candidates that live within in a commutable distance from our Tempe, AZ and St. Louis, MO home office locations are expected to work in the office three days per week, with preference for Tuesday through Thursday.****

Read More About Skills/Requirements

**Awards & Accolades**

At Edward Jones, we are building a place where everyone feels like they belong. We're proud of our associates' contributions to the firm and the recognitions we have received.

Check out our U.S. awards and accolades: Insights & Information Blog Postings about Edward Jones (https://careers.edwardjones.com/blog/?\_sft\_category=awards-accolades)

Check out our Canadian awards and accolades: Insights & Information Blog Postings about Edward Jones (https://careers.edwardjones.com/en-CA/blogs/?\_sft\_category=awards-accolades-en-ca)

Read More About Awards & Accolades

**About Us**

Join a financial services firm where your contributions are valued. Edward Jones is a Fortune 500¹ company where people come first. With over 9 million clients and 20,000 financial advisors across the U.S. and Canada, we're proud to be privately-owned, placing the focus on our clients rather than shareholder returns.

Behind everything we do is our purpose: We partner for positive impact to improve the lives of our clients and colleagues, and together, better our communities and society. We are an innovative, flexible, and inclusive organization that attracts, develops, and inspires performance excellence and a sense of belonging.

People are at the center of our partnership. Edward Jones associates are seen, heard, respected, and supported. This is what we believe makes us the best place to start or build your career.

View our Purpose, Inclusion and Citizenship Report (https://www.edwardjones.com/us-en/why-edward-jones/about-us/corporate-citizenship/purpose-in-action) .

¹Fortune 500, published June 2024, data as of December 2023. Compensation provided for using, not obtaining, the rating.

Edward Jones does not discriminate on the basis of race, color, gender, religion, national origin, age, disability, sexual orientation, pregnancy, veteran status, genetic information or any other basis prohibited by applicable law.

\#LI-HO

**Come join our amazing team and work remote from home!**

The Loss Mitigation Underwriter II will be responsible for underwriting loss mitigation applications in accordance with Treasury, Company and Investor guidelines while following company’s policies and procedures under general supervision. Makes sound underwriting decisions and ensures that all decisions meet legal and policy requirements. Perform all duties in accordance with the company’s policies and procedures, all US state and federal laws and regulations, wherein the company operates. The Loss Mitigation Underwriter II level is the Intermediate level role in the job family and generally handles the moderately complex underwriting files while gaining additional knowledge and experience on the more complex files. The target pay range for this position is $25.00-$27.00 per hour.

.

**What you'll do:**

+ Perform a thorough analysis to ensure the quality of each loan and to determine compliance with Treasury, Company and Investor guidelines.

+ Conduct Verification of Income (VOI).

+ Calculate customer’s front and back-end debt to income ratio.

+ Verify occupancy, hardship and income.

+ Apply payment waterfall to determine workout eligibility (repurchase plans, forbearances, modifications or liquidation options).

+ If applicable, identify the type(s) and amounts of liquid assets the borrower holds.

+ Determine and communicate needed conditions to properly document the file (reason for default letter, updated pay stubs, bankruptcy papers, etc.).

+ Complete system tasks as required to maintain compliance with Treasury, Company and Investor guidelines.

+ Document final decision and update system of record.

+ Perform other duties as assigned.

**What you'll need:**

+ High school diploma or equivalent required.

+ Two (2) to three (3) years of underwriting background or servicing/loss mitigation experience

**Our Company:**

Carrington Mortgage Services is part of The Carrington Companies, which provide integrated, full-lifecycle mortgage loan servicing assistance to borrowers and investors, delivering exceptional customer care and programs that support borrowers and their homeownership experience. We hope you’ll consider joining our growing team of uniquely talented professionals as we transform residential real estate. To read more visit: www.carringtonmortgage.com .

**What We Offer:**

+ Comprehensive healthcare plans for you and your family. Plus, a discretionary 401(k) match of 50% of the first 4% of pay contributed.

+ Access to several fitness, restaurant, retail (and more!) discounts through our employee portal.

+ Customized training programs to help you advance your career.

+ Employee referral bonuses so you’ll get paid to help Carrington and Vylla grow.

+ Educational Reimbursement.

+ Carrington Charitable Foundation contributes to the community through causes that reflect the interests of Carrington Associates. For more information about Carrington Charitable Foundation, and the organizations and programs, it supports through specific fundraising efforts, please visit: carringtoncf.org.

**\#LI-GV1**

Carrington is an equal opportunity employer. It is the policy of the company that applicants be considered for positions for which they qualify without regard to race, color, religion, sex, gender identity, national origin, ancestry, age, marital status, sexual orientation, protected veterans status, physical or mental disability or any other legally protected category. Carrington will make reasonable accommodations for known physical or mental limitations of a qualified applicant or employee with a disability unless the accommodation will impose an undue hardship on the company.