Suitability Analyst - Remote

Symetra Financial Corporation; Northern (KY); Remote; USD 93,985,000 - 156,566,000; Full time

Benefits offered by this job

Flexible full-time or hybrid telecomm.

401(k) plan with company match

Paid time away (vacation, sick)

Company matching charity programs

Job summary

Symetra Financial Corporation seeks a detail-oriented reviewer to adjudicate annuity-related transactions for suitability and best interest, ensuring alignment with customer needs and regulatory standards.

You will evaluate client profiles, investment objectives, risk tolerance, and product appropriateness while collaborating with advisors and internal teams to resolve complex cases and maintain audit readiness.

Qualifications

• Analytical thinkers who can evaluate complex financial situations and document decisions clearly.
• Detail-oriented professionals who manage large amounts of information accurately.
• Strong understanding of insurance, retirement products, and suitability regulations.

Responsibilities

• Review annuity sales, transfers, replacements, and exchanges for suitability and best-interest alignment.
• Analyze documentation to assess customer profiles, objectives, risk tolerance, liquidity needs, and product fit.
• Conduct independent suitability determinations and document findings per policy and regulatory requirements.
• Collaborate with financial professionals to obtain information and resolve questions during reviews.
• Interview applicants as needed to validate information and understand product features.

Skills

Analytical thinking

Attention to detail

Regulatory compliance

Communication skills

Risk assessment

Education

Bachelor's degree in Business, Finance, Insurance, Risk Management, or related field

Job description

Company Overview

Symetra Investment Management ("SIM") is a SEC-registered investment advisory firm with approximately $78 billion in assets under management as of March 31, 2025. Symetra Financial Corporation ("SFC"), a diversified financial services company with $68.4 billion in assets as of December 31, 2024, headquartered in Bellevue, Washington is the sole shareholder of SIM. SFC is also the holding company of Symetra Life Insurance Company ("Symetra Life"), which was founded in 1957, and has insurer financial strength ratings of 'A' by A.M. Best and Standard & Poor's and 'A1' by Moody's. Symetra Life is among the top 40 largest life insurance companies in the United States (based on statutory admitted assets as of December 31, 2024) and has approximately 2.3 million customers and over 2,600 employees nationwide. SFC is a wholly owned subsidiary of Sumitomo Life Insurance Company, a mutual life insurance company with head offices in Osaka and Tokyo, Japan. Founded in 1907, Sumitomo is one of the largest life insurance companies in Japan with $327 billion of assets as of March 31, 2025. SIM currently has recently begun marketing its investment management services to third-party institutional investors.

About the role

Adjudicate and completely document the suitability and best interest of annuity sales, transfers, replacements, or exchanges according to Symetra's suitability guidelines. As needed, communicate and collaborate with financial professionals, their customers, distribution partners, and internal key stakeholders such as Law, Compliance, Sales, and New Business.

What you will do

• 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.

Who You Are

• You are an analytical thinker with the ability to evaluate complex financial situations, identify potential risks, and make sound, well-documented decisions.
• You have a strong understanding of insurance and retirement products, suitability requirements, and best interest standards, with a commitment to protecting customers and maintaining regulatory compliance.
• You are highly detail-oriented and able to review large amounts of information accurately while managing multiple priorities and deadlines.
• You are a skilled communicator who can effectively engage with financial professionals, customers, and internal partners to gather information, explain decisions, and resolve issues professionally.
• You demonstrate integrity, sound judgment, and ethical decision-making, consistently balancing customer interests, regulatory requirements, and business objectives.

Nice to Haves

• Bachelor's degree in business, Finance, Insurance, Risk Management, or a related field, or equivalent combination of education and experience.
• 5-8 years of experience in suitability review, insurance operations, annuity new business, compliance, risk management, financial services, 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.
• Demonstrated ability to independently assess risk, make complex decisions, and exercise sound judgment while operating with a high degree of accuracy and accountability.

Why Work at Symetra

"Symetra is a great place if you are looking for the opportunity to contribute, to grow, to be seen and valued." Vernell K. - Auditor

"We're big enough to make an impact on the country, but small enough to care and know who you are and what you're contributing to the organization. All new ideas are welcome!" Stephanie F. - VP Customer Service & Operations

Benefits and Perks

We don't take a "one-size-fits-all" approach when it comes to our employees. Our programs are designed to make your life better both at work and at home.

• Flexible full-time or hybrid telecommuting arrangements
• Plan for your future with our 401(k) plan and take advantage of immediate vesting and company matching up to 6%
• Paid time away including vacation and sick time, flex days and ten paid holidays
• Give back to your community and double your impact through our company matching
• Want more details? Check out our Symetra Benefits Overview

Compensation

• Salary Range: $32.80 - $54.64/hourly plus eligibility for annual bonus program

Please review Symetra's Remote Network Minimum Requirements:

• Minimum Internet Speed: 100 Mbps download and 20 Mbps upload, in alignment with the FCC's definition of "broadband."
• Internet Type: Fiber, Cable (e.g., Comcast, Spectrum), or DSL.
• Not Permissible: Satellite (e.g., Starlink), cellular broadband (hotspot or otherwise), any other wireless technology, or wired dial-up.

Identity Verification

Symetra is committed to fair and secure hiring practices. For all roles, candidates will be required (after the initial phone screen) to be on video for all interviews. Symetra will take affirmative steps at key points in the process to verify that a candidate is not seeking employment fraudulently, e.g. through use of a false identity.

• Disqualification from the recruitment process
• Withdrawal of a job offer
• Termination of employment and other criminal and/or civil remedies, if fraud is discovered

We empower inclusion

At Symetra, we aspire to the most inclusive insurance company in the country. We're building a place where every employee feels valued, respected, and has opportunities to contribute.

Inclusion is about recognizing our assumptions, considering multiple perspective, and removing barriers. We accept and celebrate diverse experiences, identities, and perspectives, because lifting each other up fuels thought and builds a stronger, more innovative company. We invite you to learn more about our efforts here.

Creating a world where more people have access to financial freedom

Symetra is a national financial services company dedicated to helping people achieve their financial goals and feel confident about the future. In our daily work, we're guided by the principles of Value, Transparency and Sustainability. This means we provide products and services people need at a competitive price, we communicate clearly and openly so people understand what they're buying, and we design products--and operate our company--to stand the test of time. We're committed to showing up for our communities, lifting up our employees, and standing up for diversity, equity and inclusion (DEI). Join our team and help us create a world where more people have access to financial freedom.

Work Authorization

Employer work visa sponsorship and support are not provided for this role. Applicants must be currently authorized to work in the United States at hire and must maintain authorization to work in the United States throughout their employment with our company.

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