Reinsurance & Program Risk Specialist - AI Treaty Design

Mercor; New York (NY); On-site; USD 90,000 - 130,000; Full time

Job summary

Mercor is partnering with a leading AI lab to train frontier models on high-quality insurance reasoning data. We are hiring Reinsurance and Program Business Specialists to design realistic risk-transfer scenarios, assess model outputs, and influence treaty structures, fronting, and delegated authority programs.

Ideal candidates have 2+ years in reinsurance or alternative risk transfer, strong written reasoning, and the ability to evaluate complex contractual arrangements.

Qualifications

• 2+ years of professional experience in reinsurance, program business, delegated authority, fronting, captive insurance, or alternative risk transfer.
• Understand treaty reinsurance, facultative reinsurance, MGA/MGU programs, Lloyd's arrangements, captives, or fronted programs.
• Can identify the economic and operational responsibilities of cedents, reinsurers, brokers, MGAs, fronting carriers, and insureds.
• Understand how contract structure changes risk transfer, earnings, collateral, claims handling, and reporting.
• Demonstrate excellent written reasoning, commercial judgment, and high attention to detail.
• Can distinguish reinsurance decisions from direct underwriting and ordinary claim adjudication.

Responsibilities

• Design realistic scenarios involving treaty and facultative reinsurance, attachment and exhaustion, cessions, recoverables, bordereaux, delegated authority, program governance, fronting, captives, and risk participation.
• Create work products such as structure comparisons, submission analyses, contract summaries, program reviews, counterparty assessments, and risk-transfer recommendations.
• Write
• golden
• reference responses at experienced reinsurance and program-business quality
• Grade AI-generated responses against structured rubrics for structural accuracy, contract logic, financial understanding, stakeholder roles, and market realism
• Identify misunderstandings of layers, limits, retentions, commissions, claims control, collateral, counterparty exposure, and carrier-MGA responsibilities
• Provide written feedback the research team uses to improve model behavior
• Participate in onboarding office hours and calibration sessions

Skills

Reinsurance knowledge

Analytical writing

Attention to detail

Commercial judgment

Education

CPCU / ARe / ARM / ACAS / FCAS or comparable designation

Job description

Mercor is partnering with a leading AI lab to train frontier models on high-quality insurance reasoning data. We are hiring Reinsurance and Program Business Specialists to design realistic risk-transfer scenarios, assess model outputs, and influence treaty structures, fronting, and delegated authority programs.

Ideal candidates have 2+ years in reinsurance or alternative risk transfer, strong written reasoning, and the ability to evaluate complex contractual arrangements.