Senior Annuity Suitability Analyst (Remote)

symetraexternal; United States; Hybrid; USD 93,985,000 - 157,046,000; Full time

Benefits offered by this job

Flexible hybrid/telecommuting

401(k) plan with company match up to 6

Paid time off, holidays & sick leave

Company matching donations

Job summary

Symetra Investment Management seeks a detail‑oriented reviewer to adjudicate annuity sales, transfers, replacements, or exchanges for suitability and best-interest compliance. You will assess customer profiles, risk tolerance, and product suitability, documenting decisions per policy and regulatory standards.

Collaborating with financial professionals, compliance, and operations, you will verify information, escalate complex cases, and contribute to process improvements while maintaining

Qualifications

• Bachelor’s degree required in related field.
• 5-8 years of experience in suitability review, insurance operations, annuity new business, compliance, risk management, or related functions.
• Working knowledge of suitability and best interest regulations, insurance industry standards, and retirement products.
• FINRA licenses and/or insurance-related certifications are preferred or willingness to obtain as required.
• Experience reviewing annuity transactions, replacements, exchanges, and transfer activity within a regulated financial services environment.

Responsibilities

• Review new annuity sales, transfers, replacements, and exchanges to determine whether transactions meet Symetra's suitability and best interest standards, ensuring recommendations align with customer needs, objectives, and financial circumstances.
• Analyze application and suitability documentation submitted by financial professionals and distribution partners, assessing customer profiles, investment objectives, risk tolerance, liquidity needs, and product appropriateness.
• Conduct thorough evaluations and make independent suitability determinations, documenting findings and decisions in accordance with company policies, regulatory requirements, and best interest guidelines.
• Collaborate directly with financial professionals to obtain additional information, clarify documentation, and resolve questions necessary to complete suitability and best interest reviews.
• Interview applicants when necessary to validate information, confirm understanding of product features, and assess whether recommendations are appropriate for the customer's financial situation.
• Identify transactions that require additional scrutiny and escalating complex, high-risk, or exception cases to senior reviewers or management for further evaluation.
• Partner with New Business, Sales, Compliance, and Operations teams to ensure timely and accurate processing of suitability reviews while maintaining a positive customer and advisor experience.
• Contribute to process improvement initiatives by identifying opportunities to enhance efficiency, strengthen controls, improve customer outcomes, and support ongoing regulatory compliance efforts.
• Maintain detailed and accurate records of reviews, decisions, and supporting documentation to ensure audit readiness and adherence to internal and external requirements.

Skills

Analytical thinking

Attention to detail

Communication skills

Regulatory compliance

Risk assessment

Education

Bachelor’s degree in Business/Finance/Insurance

Job description

Symetra Investment Management seeks a detail‑oriented reviewer to adjudicate annuity sales, transfers, replacements, or exchanges for suitability and best-interest compliance. You will assess customer profiles, risk tolerance, and product suitability, documenting decisions per policy and regulatory standards.

Collaborating with financial professionals, compliance, and operations, you will verify information, escalate complex cases, and contribute to process improvements while maintaining