Remote Life Underwriting Audit & Risk Specialist

Manulife; Central City (NE); Remote; USD 92,000 - 160,000; Full time

Job summary

Manulife is seeking a Life Underwriting Auditor for a remote role open to any location in the continental United States. The role focuses on detailed audits of underwriting initiatives, ensuring decisions align with guidelines, pricing, and regulatory expectations.

Key responsibilities include leading post-issue audits, identifying trends, producing management reports, and collaborating with risk, training, and innovation teams.

Qualifications

• 5+ years of life insurance underwriting experience, with medical and financial underwriting expertise.
• Strong understanding of life insurance products, underwriting guidelines, and risk selection.
• Ability to interpret complex medical and financial information and assess risk.
• Excellent analytical skills, attention to detail, and ability to identify patterns and root causes in audit findings.
• Strong written and verbal communication, with ability to present findings to underwriters and leadership.
• Professionalism, integrity, and discretion in handling sensitive information.

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.

Skills

Life underwriting

Medical underwriting

Financial underwriting

Analytical thinking

Communication

Tools

Excel

BI tools

Job description

Manulife is seeking a Life Underwriting Auditor for a remote role open to any location in the continental United States. The role focuses on detailed audits of underwriting initiatives, ensuring decisions align with guidelines, pricing, and regulatory expectations.

Key responsibilities include leading post-issue audits, identifying trends, producing management reports, and collaborating with risk, training, and innovation teams.