Senior Complex Claims & Coverage Director

Obsidian; Greater London; On-site; GBP 90,000 - 130,000; Full time

Job summary

Mercor in London collaborates with a leading AI lab to design high-severity and coverage-sensitive claim scenarios, evaluating model outputs against senior claims standards and shaping how AI reasons about disputed coverage, litigation strategy, allocation, and major-loss resolution.

This senior role welcomes experienced carrier claims professionals, coverage specialists, and technical claim directors to craft scenarios, write reference responses, and provide feedback to refine model behavior.

Qualifications

• Minimum 2+ years of professional experience handling complex, litigated, high-severity, or coverage-sensitive insurance claims.
• Experience evaluating coverage issues and developing claim strategies involving multiple parties, layers, policies, or jurisdictions.
• Understand insurer duties, reservation-of-rights practices, litigation management, settlement authority, and escalation to internal or external counsel.
• Can distinguish an operational coverage position from formal legal advice and recognize when specialized legal review is required.

Responsibilities

• Design realistic scenarios involving disputed coverage, reservations of rights, excess exposure, multiple insureds, multiple carriers, allocation, litigation, mediation, bad-faith risk, and high-severity settlement strategy
• Create work products such as complex claim strategies, coverage-position analyses, authority requests, litigation-management plans, reserve rationales, and escalation recommendations
• Write "golden" reference responses at senior technical claims quality
• Grade AI-generated responses against structured rubrics for policy analysis, strategic judgment, factual support, stakeholder awareness, and escalation discipline
• Identify claim-handling positions that are internally inconsistent, unsupported by the record, operationally unrealistic, or outside the authority of a non-lawyer claims professional
• Provide written feedback the research team uses to improve model behavior
• Participate in onboarding office hours and calibration sessions

Skills

Complex claims leadership

Policy analysis

Written reasoning

Attention to detail

Stakeholder communication

Education

Insurance designations (CPCU/AIC/SCLA/ARM)

Job description

Mercor in London collaborates with a leading AI lab to design high-severity and coverage-sensitive claim scenarios, evaluating model outputs against senior claims standards and shaping how AI reasons about disputed coverage, litigation strategy, allocation, and major-loss resolution.

This senior role welcomes experienced carrier claims professionals, coverage specialists, and technical claim directors to craft scenarios, write reference responses, and provide feedback to refine model behavior.