Chief Underwriter and Operations Director

CareScout; United States; Remote; USD 120,000 - 180,000; Full time

Job summary

CareScout is seeking a Chief Underwriter and Operations Director to lead underwriting practices and manage a team. This remote role requires extensive experience in long-term care underwriting and a strong understanding of risk assessment. The successful candidate will drive strategic initiatives and ensure compliance with industry standards while fostering a collaborative environment.

Benefits

Competitive compensation and incentives

Comprehensive healthcare

401(k) options

Paid time off and family leave

Tuition reimbursement

Wellness programs

Qualifications

• 10+ years of long-term care underwriting experience.
• Expertise in mortality and morbidity risk factors.
• Understanding of HIPAA and state regulations.

Responsibilities

• Lead strategic initiatives for underwriting practices.
• Manage underwriting staff and oversee workflow.
• Ensure compliance with underwriting guidelines.

Skills

Leadership

Negotiation

Risk Assessment

Data-Driven Decision Making

Education

Bachelor's Degree

FALU

FLMI

CLU

Job description

About CareScout

Join us on a mission to simplify and dignify the aging experience. We are the children, siblings, neighbors, and friends of those navigating the fragmented and confusing system of long-term care. Our team is ferociously curious and relentless in our pursuit of a better system—enabling individuals to move gracefully along the aging continuum on their own terms. We're creating a new experience for consumers, offering long-term care insurance options and other funding mechanisms to help them as they age, along with education, resources, and comprehensive support services as they seek care. We work hard; we have fun; we care about each other; and we share a common mission—we care about care. If this sounds like a place where you can thrive, join us!

CareScout Insurance is a division of Genworth Financial, Inc, a Fortune 500 provider of products, services, and solutions that help families address the financial challenges of aging.

Position Title

CareScout Insurance, Chief Underwriter and Operations Director

Position Location

Remote (Based in Richmond, Virginia)

Your Role

Reporting to the CEO of CareScout Insurance, the Chief Underwriter and Operations Director will be responsible for ensuring that underwriting practices are efficient, responsible, and align with company risk tolerances, pricing assumptions, and applicable reinsurance treaties. The role involves managing underwriting guidelines, processing, and decisioning for insurance products, leading staff in a matrix environment, and providing strategic direction on underwriting matters and operational concerns.

What you will be doing

1. Lead and collaborate on strategic initiatives, including setting the underwriting strategy, philosophy, guidelines, and procedures.
2. Provide thought leadership and technical oversight on underwriting by partnering with Medical, actuarial, and operational teams.
3. Manage underwriting risk assessment processes, balancing business considerations with distributor and customer interests.
4. Manage and direct underwriting staff, overseeing workflow, resourcing, and training.
5. Drive data-driven decision-making in underwriting guidelines and procedures.
6. Lead research on underwriting advancements to improve risk assessment and process efficiency.
7. Drive improvements and automation in underwriting, including AI capabilities.
8. Ensure compliance with underwriting guidelines and manage risk exposure.
9. Work with compliance and actuarial teams on legal and industry standards.
10. Participate in product development and train distribution partners on underwriting processes.
11. Manage outsourced relationships and represent CareScout in industry organizations.

What you bring

• 10+ years of long-term care underwriting experience, including handling complex LTC risks or other morbidity products.
• Industry designations such as FALU, FLMI, or CLU, and a bachelor's degree.
• Expertise in mortality and morbidity risk factors.
• Experience leading underwriting policies and programs.
• Understanding of HIPAA, reinsurer relationships, and state regulations.
• Strong business judgment, results-oriented, with excellent negotiation and relationship skills.
• Ability to inspire change and lead in a collaborative, matrixed organization.
• Industry reputation for integrity and credibility.

Employee Benefits & Well-Being

Genworth employees make a difference daily. Benefits include:

• Competitive compensation and incentives
• Comprehensive healthcare
• Multiple 401(k) options
• Employer-funded retirement contributions
• Paid time off, holidays, volunteer leave, and family leave
• Disability, life, and long-term care insurance
• Tuition reimbursement and training support
• Wellness programs, including gym reimbursement and Employee Assistance Program
• Caregiver and mental health services