Senior Underwriting Consultant - Internal Auditor

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

Benefits offered by this job

Remote work flexibility

Comprehensive benefits

Job summary

Manulife’s US Life Underwriting Risk Management and Audit team seeks a Senior Underwriting Consultant - Internal Auditor to provide independent QA of underwriting decisions and processes. The role emphasizes consistency in applying guidelines and continuous improvement across the unit.

The ideal candidate has deep life underwriting expertise and strong analytical skills, capable of collaborating with business partners and stakeholders to enhance risk management and training.

Qualifications

• Minimum 5 years of life insurance underwriting experience.
• Expert knowledge of medical, financial, and non-medical underwriting principles.
• Strong analytical and problem-solving skills.
• Excellent written and verbal communication.

Responsibilities

• Conduct independent audits and quality reviews of underwriting decisions and processes.
• Evaluate underwriting assessments against guidelines, procedures, and best practices.
• Assess medical, financial, non-medical, compliance, retention, and reinsurance decisions for appropriateness.
• Identify trends and gaps for process improvement and underwriter development.
• Recommend training initiatives based on audit findings.
• Collaborate with Underwriting, Medical and Risk Management teams.
• Contribute to evolution of the underwriting audit program.
• Support targeted audits of specialized case types.

Skills

Life insurance underwriting

Auditing and quality assurance

Critical thinking

Stakeholder collaboration

Communication skills

Independent work

Detail-oriented

Job description

As a Senior Underwriting Consultant - Internal Auditor, you will be part of the US Life Underwriting Risk Management and Audit team, providing independent and objective quality assurance of underwriting decisions and processes. This role helps ensure underwriting guidelines are applied consistently, risk is managed appropriately, and opportunities for continuous improvement and training are identified.

The ideal candidate brings deep life insurance underwriting expertise, strong critical thinking skills, and the ability to evaluate complex underwriting decisions while collaborating effectively with business partners and stakeholders.

The role is remote and can be based anywhere in the continental US.

Position Responsibilities

• Conduct independent audits and quality reviews of life insurance underwriting decisions, documentation, and processes.
• Evaluate underwriting assessments against established guidelines, procedures, and best practices.
• Assess medical, non-medical, financial, compliance, retention, and reinsurance decisions for appropriateness and consistency.
• Identify trends, gaps, and opportunities for process improvement and underwriter development.
• Recommend training and educational initiatives based on audit findings.
• Participate actively in team discussions, providing objective feedback and professional opinions on audit results.
• Collaborate with Underwriting, Medical and Risk Management teams.
• Contribute to innovation, continuous improvement, and the evolution of the underwriting audit program.
• Support targeted audits of specialized case types and emerging business initiatives.

Required Qualifications

• Minimum 5 years of life insurance underwriting experience.
• Expert knowledge of medical, financial, and non-medical underwriting principles and practices.
• Strong understanding of life insurance risk assessment and underwriting guidelines.
• Strong analytical, critical thinking, and problem-solving skills.
• Excellent written, verbal, presentation, and interpersonal communication skills.
• Ability to work independently while managing multiple priorities.
• Strong attention to detail and organizational skills.
• Ability to influence and collaborate effectively with stakeholders at all levels.

Preferred Qualifications

• Experience auditing, reviewing, or coaching underwriting decisions.
• Knowledge of reinsurance treaties, retention limits, and marketplace practices.
• Experience with compliance and quality assurance programs.
• Strong digital literacy and proficiency with Microsoft 365 applications, including Excel, Word, PowerPoint, and Teams; comfortable adopting new technology and leveraging digital tools to improve efficiency and reporting.

When you join our team

• We’ll empower you to learn and grow the career you want.
• We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words.
• As part of our global team, we’ll support you in shaping the future you want to see.

#LI-JH

#Remote

The role being advertised is an existing vacancy.

About Manulife and John Hancock

Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better. To learn more about us, visit https://www.manulife.com/en/about/our-story.html.

Manulife is an Equal Opportunity Employer

At Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.

It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact [e-mail].

Referenced Salary Location

USA, Massachusetts - Full Time Remote

Working Arrangement

Remote

Salary range is expected to be between

$92,475.00 USD - $160,290.00 USD

Manulife/John Hancock offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension/401(k) savings plans and a global share ownership plan with employer matching contributions) and financial education and counseling resources.

Our generous paid time off program in the U.S. includes up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time (or more where required by law) each year, and we offer the full range of statutory leaves of absence.

We use data and analytics technologies, such as artificial intelligence (AI), and automated processing tools, to analyze and process the information you provide to us or third parties in the application process. For more information, please refer to our personal information collection statement.

Know Your Rights I Family & Medical Leave I Employee Polygraph Protection I Right to Work I E-Verify

Company: John Hancock Life Insurance Company (U.S.A.)