Life Underwriting Auditor

Manulife group; Northern (KY); Hybrid; USD 90,000 - 130,000; Full time

Benefits offered by this job

Competitive compensation

Benefits

Career growth

Collaborative environment

Professional development

Job summary

Manulife is seeking a Life Underwriting Auditor to perform detailed audits of underwriting initiatives, assess decision quality, and provide actionable insights to ensure alignment with pricing, mortality assumptions, and regulatory requirements.

The role collaborates with Underwriting Management, Risk Management, and Training to improve controls, develop CAPs, and test new tools and GenAI solutions, contributing to continuous improvement within a global organization.

Qualifications

• 5+ years of life insurance underwriting experience.
• 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 monitor underwriting initiatives for technical accuracy and guideline adherence.
• Review underwriting decisions for medical, financial, and operational soundness.
• Identify errors, trends and prepare reports with recommendations for management.

Skills

Life underwriting

Analytical skills

Risk assessment

Communication

Discretion

Audit processes

Education

ALU, FALU, FLMI designation

Bachelor's degree in a related field

Tools

Excel

BI tools

Job description

Category: Business & Customer Operations

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.
• 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.

Manulife is an Equal