Disbursement & Billing Operations Specialist

Tower Hill Insurance Group; Town of Florida (NY); On-site; USD 55,000 - 70,000; Full time

Benefits offered by this job

Medical

Dental

Vision

Life & Disability Insurance

401(k)

Health Savings Account

Pet insurance

Paid time off & Holiday pay

Job summary

Tower Hill Insurance Group is hiring a Disbursement & Billing Operations Specialist in Florida to execute and support insurance billing, disbursement, and refund operations across claims, commissions, policy billing, and accounts payable.

The role focuses on accurate, timely, and compliant processing while sustaining strong internal controls and cross-functional collaboration with internal and external partners to support financial integrity and customer experience.

Qualifications

• Experience in cash application, billing, and accounts payable within financial services is preferred.
• Familiarity with refunds, credits, and disbursement controls is a plus.
• Basic understanding of premium refunds, taxes, and installment amounts is helpful.

Responsibilities

• Execute scheduled payments (checks, ACH, vCard) for claims, refunds, commissions, and payables.
• Review and release vCards; verify payment processing with banking partners.
• Process claims disbursements and track payments for Claims teams.

Skills

Cash application

Billing operations

Accounts payable

Regulatory compliance

Education

High School Diploma or GED

Accounting/Finance coursework

Tools

vCard payments

ACH processing

Banking partner coordination

Job description

Job Type

Full-time

Description

Tower Hill Insurance Group has an exciting opportunity for a talented Disbursement & Billing Operations Specialist who enjoys intellectual challenges and is seeking a rewarding career with a company that is experiencing growth. Not only is Tower Hill Insurance one of Florida's most trusted names in homeowners insurance, but it offers great opportunities for career advancement and personal growth, along with very competitive benefits and rewards. We are growing at a consistent pace and seek professional individuals with drive, team mentality, who want to make an impact, and are committed to a long-term career in the insurance industry.

The Disbursements & Billing Operations Specialist is responsible for executing and supporting insurance billing, disbursement, and refund operations across claims, commissions, policy billing, and accounts payable. This role ensures accurate, timely, and compliant execution of billing and disbursement activities, while supporting strong internal controls, responsive customer service, and effective cross-functional coordination with internal and external partners. This position plays a critical role in supporting the company’s financial integrity, regulatory compliance, and cash flow, while contributing to a positive customer and agent experience.

Essential Duties And Responsibilities

• Execute scheduled check, ACH, and virtual card (vCard) payment runs for claims, refunds, commissions, and accounts payable in accordance with established procedures.
• Review and release vCards; confirm payment processing with banking partners (file-level coordination only).
• Process claims disbursements, including routine runs, expedited payments, and payment tracking support for Claims teams.
• Review credit balances and process policyholder and agent refunds, including voids, reissues, stop-pays, and reconciliation to billing systems.
• Process agent and broker commission payments via ACH; handle returns, failures, exceptions, and commission payment inquiries.
• Execute accounts payable disbursement runs, support vCard programs, and resolve returned payments, reissues, and vendor inquiries.
• Research and resolve disbursement exceptions, including rejected, missing, or disputed payments, and coordinate corrections with Accounting.
• Identify unclaimed payments and support escheatment processing, including submissions, check voids, balance transfers, and documentation.
• Coordinate with Compliance to perform OFAC screening during payment execution as required; maintain complete records and audit trails.
• Maintain policy billing schedules and verify system calculations for premium refunds, fees, taxes, and installment amounts.
• Respond to billing inquiries from Customer Service and Underwriting and manage billing-related correspondence.
• Support billing holds, cancellations, and reinstatements.
• Process and monitor billing adjustments and corrections, including small-balance write-offs and refund triggers following cancellations or credits.

Additional Duties

This job description reflects the general duties considered necessary to describe the essential functions of the job and should not be considered a complete description of all the work requirements and expectations of the position. Tower Hill reserves the right to assign duties not listed herein as necessary to accomplish the goals of the organization.

Requirements

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

EDUCATION

High School Diploma or GED required.

College coursework in Accounting, Finance or Business preferred.

Experience

Minimum of one (1) to three (3) years of relevant professional experience in cash application, billing, collections, accounting operations, or financial services required.

CERTIFICATIONS

N/A

LICENSES

N/A

Benefits

• Medical
• Dental
• Vision
• Life & Disability Insurance
• 401(k)
• Health Savings Account
• Accident, Critical Illness and Hospital Indemnity
• Pet insurance
• Paid time off & Holiday pay

We offer competitive pay and benefits, and well-being programs to support you and your family. For more information about our company, careers and Total Compensation visit: Total Compensation - Tower Hill Insurance (thig.com).

Tower Hill Insurance is an equal opportunity employer, and all qualified applicants will receive consideration for employment without regard to race, color, religion, age, sex, national origin, disability status, genetics, protected veteran status, sexual orientation, gender identity or expression, or any other characteristic protected by federal, state or local laws.

Tower Hill Insurance is committed to working with and providing reasonable accommodation for individuals with disabilities. If you need reasonable accommodation because of a disability for any part of the employment process, please send an e-mail to [e-mail] and let us know the nature of your request and your contact information.

All applicants will receive an acknowledgement that their application has been received. Candidates will not receive status updates regarding their application; however, those candidates selected for further consideration will be contacted by Human Resources.