Remote Life Underwriting Auditor: Quality & Risk

Manulife; Kentucky; Hybrid; USD 92,000 - 160,000; Full time

Job summary

Manulife seeks a Life Underwriting Auditor to conduct detailed audits of underwriting initiatives and assess the quality and consistency of decisions, ensuring alignment with pricing, mortality assumptions, and regulatory requirements.

The role requires 5+ years in life underwriting, strong analytical and communication skills, and the ability to translate findings into remediation plans, training, and governance improvements across Underwriting, Risk, and Innovation teams.

Qualifications

• 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.

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

Analytical skills

Communication

Risk assessment

Collaboration

Attention to detail

Tools

Excel

BI tools

Job description

Manulife seeks a Life Underwriting Auditor to conduct detailed audits of underwriting initiatives and assess the quality and consistency of decisions, ensuring alignment with pricing, mortality assumptions, and regulatory requirements.

The role requires 5+ years in life underwriting, strong analytical and communication skills, and the ability to translate findings into remediation plans, training, and governance improvements across Underwriting, Risk, and Innovation teams.