Director, Underwriting Audit

Reinsurance Group Of America, Incorporated; Chesterfield (MO); Hybrid; USD 107,000 - 159,000; Full time

Job summary

Reinsurance Group of America, Incorporated is seeking a senior professional to lead underwriting audit, quality assurance, and risk assessment for life insurance. You will apply advanced underwriting expertise and work with clients and internal teams to improve audit practices and profitability.

The role emphasizes analytics, guideline interpretation, and collaboration across underwriting, medical directors, and other teams. Travel up to 20% and remote/hybrid work are possible.

Qualifications

• Bachelor’s Degree or equivalent related work experience (minimum 8 years).
• 7-8 years of reinsurance underwriting experience or 9+ years direct underwriting experience.
• Proficiency in Word, Excel, and data/query tools (e.g., SQL) to support analysis and reporting.
• Strong ability to interpret insurance contracts and apply underwriting guidelines across diverse client environments.

Responsibilities

• Leads and performs internal and client underwriting audits, ensuring high-quality evaluation of underwriting practices.
• Coordinates and executes audit activities, including case selection, scheduling, and reporting to stakeholders.
• Delivers clear audit insights to internal stakeholders and clients; facilitates discussions to drive alignment and continuous improvement.

Skills

Underwriting expertise

Analytical reasoning

Stakeholder management

Communication skills

Travel willingness

Education

Bachelor’s Degree

BS/BA Science or Business

Professional accreditation

Tools

Word

Excel

SQL

Job description

You desire impactful work.

You’re RGA ready

RGA is a purpose-driven organization working to solve today’s challenges through innovation and collaboration. A Fortune 200 Company and listed among its World’s Most Admired Companies, we’re the only global reinsurance company to focus primarily on life- and health-related solutions. Join our multinational team of intelligent, motivated, and collaborative people, and help us make financial protection accessible to all.

Position Overview

Leads underwriting audit, quality assurance, and risk assessment activities for the life insurance business while serving as a recognized subject matter expert. Applies advanced underwriting expertise and analytical judgment to evaluate complex medical, financial, and non-medical risks, ensuring quality, consistency, and sound risk management practices. Partners with clients and internal stakeholders to strengthen underwriting performance, support profitable business outcomes, and drive continuous improvement through audit leadership, trend analysis, and process enhancement initiatives.

Responsibilities

• Leads and performs both internal and client underwriting audits, ensuring consistent, high-quality evaluation of underwriting practices within assigned areas of expertise.
• Duties within functional area of expertise may include but are not limited to:
  • Coordinates and executes audit activities, including case selection (random and targeted), audit scheduling (onsite and remote), Auto/Fac comparisons, and timely, professional reporting to stakeholders and senior management.
  • Delivers clear, actionable audit insights to internal stakeholders and clients; facilitates discussions to drive alignment, resolution, and continuous improvement while keeping leadership appropriately informed.
  • Partners with underwriting, Medical Directors, and other internal teams to review findings, inform guideline interpretation, and contribute to potential enhancements to underwriting philosophy, manuals, and audit practices.
• Build and maintain strong client relationships by providing underwriting insight and solutions, effectively communicating perspectives, and supporting positive business outcomes aligned with RGA Re’s philosophy.
• Evaluates and, where applicable, underwrites and/or cosigns large, complex life insurance risks within authority limits, ensuring decisions are sound, competitive, and aligned with profitability and risk objectives; exercises judgment within established philosophy.
• Identify trends and opportunities to enhance audit processes and consistency; contributes to guideline development, participates in projects and committees, and supports associate development. Adapts to and takes on expanded responsibilities as the audit function evolves, supporting broader coverage, capability building, and organizational needs.
• Performs other duties as assigned.

Requirements

• Bachelor’s Degree or equivalent related work experience (minimum 8 years)
• 7-8 years of reinsurance underwriting experience or 9+ years direct underwriting experience
• Proficiency in Word, Excel, and data/query tools (e.g., SQL) to support analysis and reporting
• Strong ability to interpret insurance contracts and apply underwriting guidelines across diverse client environments
• Excellent verbal and written communication skills, with the ability to convey complex concepts clearly to diverse audiences
• Broad understanding of medical, financial, legal, and accounting concepts as applied to risk evaluation
• Strong influencing, negotiation, and stakeholder management skills
• Highly advanced analytical, investigative, and problem-solving skills, incorporating experience, research, and data
• Proven ability to manage multiple priorities, adapt to changing demands, and deliver high-quality outcomes
• Ability to quickly learn and apply multiple client systems and underwriting environments
• Strong critical thinking skills with the ability to apply guidelines with judgment and context while making sound financial underwriting and risk assessments
• Advanced knowledge of life insurance underwriting principles, risk assessment, and reinsurance practices
• Knowledge of industry trends and practices, with ability to translate insights into client and business value
• Ability to build trust and foster collaborative, client-focused relationships across internal and external teams
• Ability to work effectively in remote or hybrid environments maintaining an on-camera presence to support effective team interaction, communication, and client engagement
• Willingness to travel as needed (up to 20%)

Preferred

• BS/BA Science or Business
• ACS, ALU, FLMI, FALU, or CLU accreditation or progress towards accreditation

#LI-SP2 #LI-REMOTE

What you can expect from RGA:

• Gain valuable knowledge from and experience with diverse, caring colleagues around the world.

• Enjoy a respectful, welcoming environment that fosters individuality and encourages pioneering thought.

• Join the bright and creative minds of RGA, and experience vast, endless career potential.

We’re excited to get to know you and connect your unique skills with our global opportunities. To create a modern and seamless experience, we use artificial intelligence (AI) in parts of our preliminary screening process. This technology helps us personalize job recommendations, automate interview scheduling, evaluate candidates based solely on experience—without considering name, gender, or other personal details and provide real-time answers through our chatbot. AI is used only during early screening and never makes hiring decisions. Your RGA recruiter will work closely with you every step of the way to ensure the process feels personal, thoughtful, and focused on you.

Compensation Range:

$107,060.00 - $159,390.00 Annual

Base pay varies depending on job-related knowledge, skills, experience and market location. In addition, RGA provides an annual bonus plan that includes all roles and some positions are eligible for participation in our long-term equity incentive plan. RGA also maintains a full range of health, retirement, and other employee benefits.

RGA is an equal opportunity employer. Qualified applicants will be considered without regard to race, color, age, gender identity or expression, sex, disability, veteran status, religion, national origin, or any other characteristic protected by applicable equal employment opportunity laws.