Suitability Review Specialist

Manulife; Kentucky; Hybrid; USD 73,000 - 122,000; Full time

Benefits offered by this job

Health benefits

Dental benefits

Mental health support

401(k) plan

Paid time off

Job summary

Manulife is seeking a Suitability Review Specialist to review new business submissions and replacement transactions for annuity and life insurance products, ensuring compliance with regulatory requirements, suitability standards, and company policies.

This role provides guidance to registered representatives and partners, supports risk management, and collaborates across Compliance, Operations, Supervision, and Technology on process improvements and regulatory changes.

Qualifications

• Experience in suitability review, compliance, risk management, or related financial services.
• Strong knowledge of annuity and life insurance products, including features, risks and suitability considerations.
• Familiarity with financial planning concepts, retirement planning strategies, and client investment objectives.
• Understanding regulatory requirements and industry standards for suitability reviews and insurance products.

Responsibilities

• Review new business and replacement applications to ensure they meet suitability standards and regulatory requirements.
• Conduct reviews, monitoring, and audits to identify non-compliant activity and escalate as needed.
• Provide guidance to registered representatives and partners regarding suitability obligations and regulatory expectations.
• Collaborate with Compliance, Operations, Supervision, and Technology to implement process improvements and regulatory changes.
• Maintain accurate records of suitability reviews and communications in accordance with policies and regulations.

Skills

Suitability review

Compliance

Risk management

Annuity & life insurance

Regulatory requirements

Financial planning concepts

Education

Bachelor's degree in finance or related field

Job description

The Suitability Review Specialist is responsible for reviewing new business submissions and replacement transactions involving annuity and life insurance products to ensure compliance with regulatory requirements, suitability standards, and company policies. This role contributes to our mission by helping protect clients, supporting ethical business practices, and maintaining a strong culture of compliance and risk awareness. The Specialist serves as a trusted resource to registered representatives, field agents, and business partners, providing guidance on suitability-related matters and regulatory obligations. This opportunity offers exposure to cross-functional partnerships, regulatory initiatives, and process improvement efforts that support business effectiveness and client outcomes.

Position Responsibilities:

• Review new business and replacement applications to ensure transactions meet suitability standards, regulatory requirements, and company guidelines.
• Conduct reviews, monitoring activities, and audits to identify unusual, suspicious, or potentially non-compliant activity; investigate findings and elevate concerns as appropriate.
• Provide guidance and support to registered representatives, field supervision, and business partners regarding suitability requirements, regulatory expectations, and best practices.
• Partner with Compliance, Operations, Supervision, and Technology teams to develop and implement process improvements, surveillance enhancements, and regulatory change management initiatives.
• Maintain accurate documentation and records of suitability reviews, determinations, escalations, and related communications in accordance with company policies and regulatory requirements.

Required Qualifications:

• Experience in suitability review, compliance, risk management, or a related financial services function.
• Strong understanding of annuity and life insurance products, including their features, benefits, risks, and suitability considerations.
• Knowledge of financial planning concepts, retirement planning strategies, and client investment objectives.
• Familiarity with applicable regulatory requirements and industry standards related to suitability reviews and insurance products.

Preferred Qualifications:

• Experience partnering with Compliance, Operations, Supervision, and Technology teams on process improvement initiatives.
• Experience supporting regulatory change management, monitoring programs, or surveillance activities.
• Experience conducting audits, investigations, and escalation of compliance concerns.
• Strong documentation and record-keeping skills within a regulated environment.
• Ability to provide consultation and guidance to business partners on suitability and regulatory matters.

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.

The role being advertised is an existing vacancy.

Acerca de Manulife y John Hancock

Manulife Financial Corporation es un importante proveedor internacional de servicios financieros que ayuda a las personas a tomar decisiones de una manera más fácil y a vivir mejor. Para obtener más información acerca de nosotros, visite http://www.manulife.com .

Manulife es un empleador que ofrece igualdad de oportunidades

En Manulife/John Hancock, valoramos nuestra diversidad. Nos esforzamos por atraer, formar y retener una fuerza laboral tan diversa como los clientes a los que prestamos servicios, y para fomentar un entorno laboral inclusivo en el que se aprovechen las fortalezas de las culturas y las personas. Estamos comprometidos con la equidad en las contrataciones, la retención de talento, el ascenso y la remuneración, y administramos todas nuestras prácticas y programas sin discriminación por motivos de raza, ascendencia, lugar de origen, color, origen étnico, ciudadanía, religión o creencias religiosas, credo, sexo (incluyendo el embarazo y las afecciones relacionadas con este), orientación sexual, características genéticas, condición de veterano, identidad de género, expresión de género, edad, estado civil, estatus familiar, discapacidad, o cualquier otro aspecto protegido por la ley vigente.

Nuestra prioridad es eliminar las barreras para garantizar la igualdad de acceso al empleo. Un representante de Recursos Humanos trabajará con los solicitantes que requieran una adaptación razonable durante el proceso de solicitud. Toda la información que se haya compartido durante el proceso de solicitud de adaptación se almacenará y utilizará de manera congruente con las leyes y las políticas de Manulife/John Hancock correspondientes. Para solicitar una adaptación razonable en el proceso de solicitud, envíenos un mensaje a [e-mail] .

Ubicación principal

Estados Unidos,- Massachusetts Remoto a tiempo completo

Modalidades de Trabajo

Remoto

Se prevé que el rango salarial esté entre

$73,350.00 USD – $122,250.00 USD

Los empleados también tienen la oportunidad de participar en programas de incentivos y recibir una compensación vinculada al rendimiento empresarial e individual. El salario real variará según las condiciones del mercado local, la geografía y factores relacionados con el puesto como conocimientos, habilidades, requerimientos, experiencia y educación/formación. Si solicitas este puesto fuera de tu ubicación principal, por favor escríbenos a [e-mail] para conocer el rango salarial correspondiente a tu ubicación.

Manulife/John Hancock ofrece a los empleados aptos una amplia variedad de beneficios personalizables, entre ellos, beneficios de salud, odontológicos, de salud mental, oftalmológicos, por discapacidad a corto y a largo plazo, cobertura de seguro de vida y por muerte accidental y desmembramiento, adopción/subrogación y bienestar, y planes de asistencia al empleado/familiar. También ofrecemos a los empleados admisibles varios planes de ahorro para la jubilación (incluidos planes de ahorro 401(k) o de pensiones y un plan mundial de propiedad de acciones con contribuciones equivalentes del empleador) y recursos de asesoramiento y educación financiera. Nuestro generoso programa de días libres pagos en EE. UU. contempla hasta 11 días festivos, 3 días personales, 150 horas de vacaciones y 40 horas de licencia por enfermedad (o más cuando lo exija la ley) por año, y ofrecemos todos los tipos de licencias contempladas por la ley.

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 (https://careers.manulife.com/global/en/talentacquisitionprivacystatement) .

Conozca sus derechos (https://www.dol.gov/agencies/ofccp/posters)

Permiso Familiar y Médico

Ley de Protección del Examen Poligráfico (https://www.dol.gov/sites/dolgov/files/WHD/legacy/files/eppac.pdf)

Derecho al Trabajo

Verificación Electrónica (E-Verify)

Transparencia Salarial (https://www.dol.gov/sites/dolgov/files/ofccp/pdf/pay-transp_ English_formattedESQA508c.pdf)

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