Senior Cyber Underwriter - Growth & Portfolio Lead (Hybrid)

Aviva; New York (NY); Hybrid; USD 165,000 - 200,000; Full time

Benefits offered by this job

Base salary

Annual bonus

Retirement match

Health benefits

Volunteer opportunities

Flexible hybrid work

Professional development

Vacation package

Job summary

Aviva Specialty is seeking a Senior Underwriter to build and grow its Cyber portfolio in the United States. You will underwrite complex new and renewal business, evaluate exposures, structure coverage and pricing, and manage a portfolio within delegated authority.

You will work closely with brokers, as well as Claims, Actuarial, Product, and Compliance teams to drive disciplined, profitable growth and market presence.

Qualifications

• 5–8+ years of commercial or specialty insurance underwriting experience, including meaningful experience underwriting Cyber risks.
• Demonstrated ability to underwrite complex middle-market and/or large commercial Cyber accounts.
• Strong knowledge of Cyber insurance coverage, cybersecurity exposures, risk assessment, pricing, and portfolio management principles.
• Proven ability to independently make underwriting decisions and manage business within delegated authority.
• Strong broker relationship management, negotiation, communication, and presentation skills.
• Strong analytical judgment and ability to balance growth opportunities with underwriting discipline.
• Bachelor’s degree in Business, Finance, Risk Management, Insurance, Economics, or related discipline

Responsibilities

• Independently underwrite complex Cyber new and renewal business within delegated authority, balancing profitable growth with disciplined risk selection.
• Evaluate account-specific Cyber exposures, cybersecurity controls, operational dependencies, claims history, financial performance, industry characteristics, and other relevant risk factors.
• Determine appropriate pricing, limits, retentions, coverage terms, conditions, and policy structure.
• Manage an assigned portfolio against premium, profitability, retention, rate adequacy, exposure management, and underwriting quality objectives.
• Monitor aggregation risk, systemic cyber exposures, ransomware trends, regulatory developments, emerging technologies, and market conditions relevant to underwriting decisions.
• Escalate risks outside delegated authority or risk appetite and support effective underwriting referrals.
• Build and maintain productive relationships with wholesale, retail, national, regional, and specialty broker partners aligned to Aviva’s distribution strategy.
• Develop a quality submission pipeline and identify new business opportunities that support profitable portfolio growth and diversification.
• Clearly communicate Aviva’s Specialty’s Cyber appetite, product capabilities, underwriting decisions, and value proposition to trading partners.
• Participate in broker meetings, stewardship discussions, client presentations, and relevant industry events.
• Partner with Distribution colleagues on targeted broker strategies and market engagement.
• Maintain current knowledge of the evolving Cyber threat environment, insurance market, claims trends, regulatory developments, and emerging technologies.
• Ensure underwriting files and decisions are complete, accurate, timely, and consistent with underwriting guidelines, authority frameworks, governance standards, and risk appetite.
• Contribute technical insight to portfolio reviews, underwriting guidance, appetite discussions, product enhancements, and process improvements.
• Partner with Claims, Actuarial, Product, Distribution, Risk Engineering, Operations, Finance, Legal, and Compliance to support underwriting and portfolio objectives.
• Serve as a technical resource and share market knowledge with colleagues without formal people-management accountability.

Skills

Cyber underwriting

Portfolio management

Broker relationship management

Analytical judgment

Underwriting decisions

Education

Bachelor’s degree in Business, Finance, Risk Management, Insurance, Economics, or related discipline

Job description

Aviva Specialty is seeking a Senior Underwriter to build and grow its Cyber portfolio in the United States. You will underwrite complex new and renewal business, evaluate exposures, structure coverage and pricing, and manage a portfolio within delegated authority.

You will work closely with brokers, as well as Claims, Actuarial, Product, and Compliance teams to drive disciplined, profitable growth and market presence.