bestow - Underwriter
Requirements
• Experience: 2+ years in underwriting (Insurance/Financial Services) with a focus on claims or technical underwriting. • Technical Knowledge: Deep understanding of FCRA, OFAC, MIB coding, and medical impairment risk evaluation. • Software Proficiency: Advanced Microsoft Excel skills; experience with underwriting workbooks, Admin Portals, and Milliman reports. • Analytical Skills: Strong ability to investigate disputed data, audit complex files, and interpret evolving carrier guidelines. • Communication: Proven ability to draft legally compliant correspondence and manage high-level relationships with external carriers and reinsurers.
Responsibilities
• The Underwriter I serves as a technical anchor for Third-Party Administrator (TPA) operations. You will balance high-volume transactional underwriting with specialized risk analysis, ensuring that policy issuance aligns with carrier guidelines and regulatory standards. This role is a mix of active risk assessment, compliance auditing, and strategic partnership management. • Underwriting & Appeals: Execute transactional tasks, manage complex appeals, draft decline letters, and resolve application discrepancies or medical impairment inquiries. • Compliance & Audit: Lead Post Issue Audits (PIA), manage MIB (Medical Information Bureau) reporting, and conduct partner reviews to ensure adherence to carrier and regulatory guidelines. • Claims & Data Integrity: Review applications for accuracy prior to FNOL (First Notice of Loss) submission, manage claim status changes in the Admin Portal, and maintain consolidated claims reporting. • Carrier & Partner Relations: Act as the primary technical point of contact for carrier inquiries, facilitate reinsurance meetings, and manage data vendor audits (e.g., Milliman). • Process Improvement: Manage the general underwriting mailbox to improve response times and collaborate with the CX team on "Future Feature" requests and Gen-AI tool testing. • Operational Support: Maintain travel advisories, monitor OFAC watchlists, and provide backup for general operations and reporting.
Benefits
• $72K – $85K • Offers Equity • Upload your resume here to autofill key application fields. • Drop your resume here! • Parsing your resume. Autofilling key fields... • or drag and drop here • Note: we ask for address as we might need it for documents such as offer letters. This information, along with other contact information is kept private. • Including portfolio links and relevant passwords if applicable • No, I will not need immigration support now or in the future (U.S. citizen, Green Card holder, or other permanent resident status). • Yes, I will need a transfer of my current visa (such as an H-1B). • Yes, I will need a different type of sponsorship in the future (for example, OPT to H-1B). • Yes, I will need a TN visa. • Decline to self-identify • Hispanic or Latino - A person of Cuban, Mexican, Puerto Rican, South or Central American, or other Spanish culture or origin regardless of race. • Hispanic or Latino • White (Not Hispanic or Latino) - A person having origins in any of the original peoples of Europe, the Middle East, or North Africa. • White • Black or African American (Not Hispanic or Latino) - A person having origins in any of the black racial groups of Africa. • Black or African American • Native Hawaiian or Other Pacific Islander (Not Hispanic or Latino) - A person having origins in any of the peoples of Hawaii, Guam, Samoa, or other Pacific Islands. • Native Hawaiian or Other Pacific Islander • Asian (Not Hispanic or Latino) - A person having origins in any of the original peoples of the Far East, Southeast Asia, or the Indian Subcontinent, including, for example, Cambodia, China, India, Japan, Korea, Malaysia, Pakistan, the Philippine Islands, Thailand, and Vietnam. • Asian • American Indian or Alaska Native (Not Hispanic or Latino) - A person having origins in any of the original peoples of North and South America (including Central America), and who maintain tribal affiliation or community attachment. • American Indian or Alaska Native • Two or More Races (Not Hispanic or Latino) - All persons who identify with more than one of the above five races. • Two or More Races • Hispanic or Latino • White (Not Hispanic or Latino) • Black or African American (Not Hispanic or Latino) • Native Hawaiian or Other Pacific Islander (Not Hispanic or Latino) • Asian (Not Hispanic or Latino) • American Indian or Alaska Native (Not Hispanic or Latino) • Two or More Races (Not Hispanic or Latino) • I identify as one or more of the classifications of protected veteran listed above • I am not a protected veteran
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