Client Service Specialist

3416US00 Howden US Services LLC; Charlotte (NC); Hybrid; USD 45,000 - 65,000; Full time

Benefits offered by this job

Medical, dental, and vision insurance

401(k) retirement plan

Flexible Paid Time Off

Life and Disability insurance

Job summary

Howden US Retail seeks a Client Service Specialist to support day-to-day client service and account administration for commercial insurance clients. You will help ensure accuracy and compliance while delivering high‑quality service in a fast‑paced environment.

Responsibilities include onboarding, policy servicing, renewals, endorsements, certificates of insurance, audits, billing inquiries, and data management in Applied Epic, with opportunities to contribute to automation and process

Qualifications

• 4+ years of experience in insurance client service, account support, policy administration, operations, or related role.
• Working knowledge of commercial insurance servicing processes and client account maintenance.
• Strong attention to detail with the ability to manage multiple priorities.

Responsibilities

• Support clients throughout the policy lifecycle, including onboarding, policy changes, endorsements, renewals, audits, and account servicing activities.
• Prepare, review, and process evidence of coverage requests, binders, endorsements, and other insurance documents.
• Maintain accurate client and policy information within agency management systems.
• Respond to client, carrier, and internal inquiries in a timely, professional manner.
• Coordinate with carriers and internal teams to ensure servicing requests are completed accurately and on time.
• Review documentation for completeness and accuracy, ensuring compliance with standards.
• Escalate complex issues to appropriate internal resources.
• Support billing inquiries and assist with carrier and client communications.

Skills

Client service

Insurance

Applied Epic

Fast-paced environment

Tools

Applied Epic

Job description

Who are we?

Howden is a global insurance group with employee ownership at its heart. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 24,000 employees spanning over 56 countries. People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities – work / life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden.

Who are we? Howden is a global insurance group with employee ownership at its heart. Together, we have pushed the boundaries of insurance. We are united by a shared passion and no-limits mindset, and our strength lies in our ability to collaborate as a powerful international team comprised of 24,000 employees spanning over 56 countries. People join Howden for many different reasons, but they stay for the same one: our culture. It’s what sets us apart, and the reason our employees have been turning down headhunters for years. Whatever your priorities – work / life balance, career progression, sustainability, volunteering – you’ll find like-minded people driving change at Howden.

Why Join Howden US?

At Howden, we’re not just building a business- We’re rewriting the rules of what a global insurance broker can be. And now, it’s your turn to be part of something extraordinary. From three people and a dog to over 22,000 employees across 56 countries, we’ve grown into a $4bn revenue powerhouse with bold ambition: to become a $13bn business with 40,000 people by 2030. We’re launching our US retail platform with the same entrepreneurial spirit that’s driven our success worldwide- and we’re looking for trailblazers to help shape the future.

Why Howden?

You’ll Own It With 6,000 employee shareholders owning 34% of the company, our unique ownership model means you’re not just joining a team—you’re building a business you truly own. You’ll Be Empowered We’re a destination for talent where people are trusted to look after their clients and grow together. You’ll have the freedom to lead, backed by global scale and local expertise. You’ll Be Part of Something Bigger Our integrated platform spans broking, reinsurance, and MGA capabilities—giving you access to everything you need to deliver for clients and build something remarkable We have always been employee-owned and driven by entrepreneurial spirit. Right from the beginning, we've focused on employing talented individuals and empowering them to make a real difference to the company, whilst building successful and fulfilling careers at the same time. Simply put, we hire talented specialists and give them what they need to make a difference for clients. Always have, always will.

What is the role?

The Client Service Specialist provides day-to-day client service and account support for Howden US Retail clients. This role supports the end-to-end insurance lifecycle, including onboarding, policy servicing, renewals, endorsements, certificates of insurance, audits, billing support, and account administration activities. This role serves as a key operational contributor within the client service team, helping deliver an exceptional client experience through attention to detail, responsiveness, and strong execution.

The Client Service Specialist also brings a forward-thinking mindset to the role, contributing ideas and hands‑on support to automation tool development, requirements gathering, and UAT testing that help elevate service delivery and transform the way the team works.

Operational Responsibilities

• Support clients throughout the policy lifecycle, including onboarding, policy changes, endorsements, renewals, audits, and account servicing activities.
• Prepare, review, and process, evidence of coverage requests, binders, endorsements, and other insurance documentation.
• Maintain accurate client and policy information within Applied Epic and other agency management systems.
• Respond to client, carrier, and internal stakeholder inquiries in a timely, professional, and customer‑focused manner.
• Coordinate with carriers and internal teams to ensure servicing requests are completed accurately and within expected timelines.
• Review documentation for completeness and accuracy, ensuring compliance with internal quality and documentation standards.
• Escalate complex servicing issues, coverage concerns, or process exceptions to the appropriate internal resources.
• Support billing inquiries and assist with carrier and client communications related to policy servicing needs.
• Respond to business and customer requirements with agility, professionalism, and sound judgment while upholding the highest ethical standards in all interactions.

Reporting & Projects

• Maintain complete, accurate, and up-to-date records within agency management systems.
• Support reporting, audit preparation, data validation, and account administration activities as required.
• Manage assigned workload and servicing priorities to ensure timely completion of tasks.
• Support assigned initiatives and contribute to process improvement efforts focused on service quality, efficiency, and client experience.
• Participate in testing, training, and adoption of new technologies, workflows, and operational enhancements.
• Bring a forward-thinking mindset to daily work, proactively identifying opportunities where automation and technology can elevate service delivery.
• Contribute to automation tool development by helping define business requirements and participating in User Acceptance Testing (UAT), supporting the transformation of how the team works.
• Respond to client service inquiries promptly and in accordance with established service‑level expectations.

Compliance, Governance & Market Awareness

• Ensure compliance with company policies, procedures, and all applicable legal and regulatory requirements.
• Maintain the confidentiality and integrity of client information and records.
• Stay informed of relevant insurance market developments, carrier requirements, and operational best practices affecting the role and business.
• Consistently follow established documentation, quality‑control, and compliance standards.

What are we looking for?

• Working knowledge of commercial insurance servicing processes, including policy administration, endorsements, renewals, certificates of insurance, and client account maintenance.
• 4+ years of experience in insurance client service, account support, policy administration, operations, or a related insurance role.
• Experience using Applied Epic or another agency management system is highly desirable.
• Strong attention to detail with the ability to manage multiple priorities while maintaining quality and accuracy.
• Client‑focused professional with a commitment to delivering exceptional service and support.
• Strong organizational and time‑management skills with the ability to meet deadlines in a fast‑paced environment.
• Analytical and problem‑solving skills with the ability to identify issues, recommend solutions, and elevate appropriately.
• Clear and professional verbal and written communication skills.
• Collaborative team player who works effectively across departments and supports shared business objectives.
• Self‑motivated with a proactive approach to learning, development, and continuous improvement.
• Curious and forward‑thinking, with an interest in automation and technology, and a willingness to contribute to tool development, requirements, and UAT testing.
• Proficient in Microsoft Office applications, particularly Excel, Word, Outlook, and PowerPoint.
• Property & Casualty license preferred, or willingness to obtain one within a defined timeframe.

What do we offer in return?

A career that you define. Our business succeeds by allowing our people to make a mark in the areas they care about most: personal development, volunteering, and fundraising for charity, or creating new insurance products that address society’s greatest challenges. And we know that separate home and work lives don't really exist. If you're happy and healthy at home, you're more likely to be happy and fulfilled at work – and vice versa. That's why we do our best to support our people in every aspect of their lives.

Compensation and Benefits

This role is classified as non- exempt under the Fair Labor Standards Act (FLSA). In addition to a competitive base salary, employees are eligible to receive a discretionary bonus. Howden also offers a variety of benefits and programs, subject to eligibility, including:

• Medical, dental, and vision insurance, including health‑care savings and reimbursement accounts
• 401(k) retirement plan
• Flexible Paid Time Off and paid parental leave
• Life and Disability insurance

Our Sustainability Promise

We’re on a life‑long journey to become an ever‑more sustainable group. It's a commitment to taking care of our people and the world we live in, to doing good business, and to making a positive impact wherever we can. Our governance processes, company policies, and review systems are all geared towards our goal of making a positive impact in the world. You can read more about our sustainability work here.

Reasonable adjustments

We’re committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs. Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours* or hybrid working*.

Permanent

Howden began in 1994, as just three people and a dog. Now there are 23,000 of us, and we’re a leading global insurance group, managing $37bn of premiums for our clients. Our largest shareholder group is us – the people who work in the business – supported by three long‑term, minority growth‑equity partners who share our vision to build a business to last, one that will never be sold. The owner's mindset is something that's embedded in our culture; our people readily take ownership of their decisions, their actions, and their outputs. They’re invested in every sense. And we all know that by working together to drive the business forward, everyone will benefit from the extraordinary results we can achieve.