Remote Life Underwriting Auditor: Risk & Quality

Manulife; South Carolina; Hybrid; USD 92,000 - 160,000; Full time

Job summary

Manulife/John Hancock seeks a Life Underwriting Auditor to conduct audits of underwriting initiatives, assess accuracy and adherence, and provide actionable insights to maintain pricing and regulatory alignment.

The role supports CAPs, risk governance, and training translation of findings into improvements, with a remote work option across the continental US and a focus on quality and continuous improvement.

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

Medical underwriting

Financial underwriting

Analytical skills

Risk assessment

Written communication

Verbal communication

Audit/reporting

Collaboration

Professionalism & discretion

Job description

Manulife/John Hancock seeks a Life Underwriting Auditor to conduct audits of underwriting initiatives, assess accuracy and adherence, and provide actionable insights to maintain pricing and regulatory alignment.

The role supports CAPs, risk governance, and training translation of findings into improvements, with a remote work option across the continental US and a focus on quality and continuous improvement.