Life Underwriting Auditor

Manulife; North Dakota; Remote; USD 92,000 - 160,000; Full time

Benefits offered by this job

Remote work across US

Competitive benefits

Career growth opportunities

Job summary

Manulife/John Hancock is seeking a Life Underwriting Auditor for a remote role open to any location in the continental US. The role audits underwriting initiatives, evaluates decision quality, and provides actionable insights to maintain pricing alignment and regulatory compliance.

Responsibilities include conducting post issue audits, reviewing medical and financial underwriting decisions, and collaborating with Risk and Training teams to implement corrective actions.

Qualifications

• 5+ years of experience in life insurance underwriting.
• Strong understanding of underwriting guidelines and risk selection principles.
• Ability to interpret complex medical/financial information and assess risk.

Responsibilities

• Conduct post issue audits and monitoring of new underwriting initiatives to assess technical accuracy, guideline adherence, quality of underwriter decisioning.
• Review underwriting decisions for medical, financial, and operational soundness, ensuring alignment with guidelines and mortality assumptions.
• Identify material errors, trends, and themes in audit results and prepare clear, structured reports for management.
• Collaborate with Underwriting Management and Risk Management to develop and monitor CAPs and track remediation progress.
• Support enhancement of the Underwriting Risk Control Framework, including KRIs and governance standards.
• Translate audit findings into targeted training and guidance for underwriting teams.

Skills

Life underwriting

Analytical skills

Risk assessment

Communication

Education

ALU/FALU/FLMI designation

Tools

Excel

BI tools

Risk software

Job description

This is a remote role open to any location in continental US.

Manulife is a leading international financial services provider, helping people make decisions easier and lives better. Help shape the future you want to see — and discover that better can take you anywhere you want to go.

The Life Underwriting Auditor will conduct detailed audits of underwriting initiatives and processes, evaluate the quality and consistency of decisions, and provide actionable insights that help maintain alignment with pricing, mortality assumptions, and regulatory requirements.

Key Responsibilities

• Conduct post issue audits and monitoring of new underwriting initiatives to assess technical accuracy, guideline adherence, quality of underwriter decisioning.
• Review underwriting decisions for medical, financial, and operational soundness, ensuring they align with company guidelines, risk appetite, and mortality assumptions.
• Identify material errors, trends, and themes in audit results and prepare clear, structured reports and recommendations for management.
• Collaborate with Underwriting Management and Risk Management to develop and monitor Corrective Action Plans (CAPs) and track remediation progress.
• Support the ongoing enhancement of the Underwriting Risk Control Framework, including control design, key risk indicators (KRIs), and governance standards.
• Partner with the Training & Development team to translate audit findings into targeted training, coaching, and guideline clarifications.
• Provide input into innovation initiatives (e.g., new tools, rules engines, GenAI solutions) by testing and evaluating their impact on underwriting quality and risk.
• Assist with the design and execution of Targeted audits for Underwriting Innovation initiatives.
• Ensure audit documentation is complete, accurate, and suitable for internal audit, governance committees, and regulatory review.
• Contribute to ongoing continuous improvement, helping to refine audit frameworks, metrics, and reporting.

Qualifications

Required :

• Several years (typically 5+ years) of experience in life insurance underwriting, with proven expertise in medical and financial underwriting.
• Strong understanding of life insurance products, underwriting guidelines, and risk selection principles.
• Demonstrated ability to interpret complex medical and financial information and assess risk appropriately.
• Excellent analytical skills, attention to detail, and ability to identify patterns and root causes in audit findings.
• Strong written and verbal communication skills, with the ability to present findings clearly and constructively to underwriters and leadership.
• High level of professionalism, integrity, and discretion, particularly in handling sensitive information.

Preferred :

• Experience in an audit, quality assurance, or risk management capacity within life underwriting.
• Familiarity with governance frameworks, risk controls, and regulatory expectations related to underwriting.
• Comfort working with data (e.g., Excel, BI tools) to analyze audit results and trends.
• Professional designations such as ALU, FALU, FLMI or equivalent.

Skills & Competencies:

• Technical underwriting expertise (medical and financial)
• Critical thinking and problem‑solving
• Objectivity and fairness in assessment and feedback
• Collaboration with cross‑functional teams (Underwriting, Risk, Training, Innovation, Pricing)
• Organizational skills and ability to manage multiple audits and deadlines
• Commitment to continuous improvement, learning, and knowledge sharing

What We Offer

• Opportunity to play a key role in shaping underwriting governance and risk controls within John Hancock/Manulife.
• Exposure to a wide range of cases, products, and initiatives, including innovation projects.
• A collaborative environment that values professional development, learning, and high standards of underwriting practice.
• Competitive compensation, benefits, and opportunities for career growth.

When You Join Our Team

• You’ll be empowered to learn, grow, and build the career you want.
• You’ll work within a flexible, inclusive environment where well‑being is a priority.
• As part of a global organization, you’ll have the opportunity to help shape the future of our business and the customers we serve.

#LI-JH

#remote

The role being advertised is an existing vacancy.

About Manulife and John Hancock

Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit .

Manulife is an Equal Opportunity Employer

At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy‑related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.

It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact .

Referenced Salary Location

USA, Massachusetts - Full Time Remote

Working Arrangement

Remote

Salary range is expected to be between

$92,475.00 USD - $160,290.00 USD

Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance. The actual salary will vary depending on local market conditions, geography and relevant job‑related factors such as knowledge, skills, qualifications, experience, and education/training. If you are applying for this role outside of the primary location, please contact for the salary range for your location.

Manulife/John Hancock offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short‑and‑long‑term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension/401(k) savings plans and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in the U.S. includes up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time (or more where required by law) each year, and we offer the full range of statutory leaves of absence.

We use data and analytics technologies, such as artificial intelligence (AI), and automated processing tools, to analyze and process the information you provide to us or third parties in the application process. For more information, please refer to our personal information collection statement .

Know Your Rights I Family & Medical Leave I Employee Polygraph Protection I Right to Work I E-Verify

Company: John Hancock Life Insurance Company (U.S.A.)