[Hiring] Risk Team Underwriter @Careers Mutual Of Omaha

Role Description

We are seeking an experienced Underwriter to join our Risk Team. In this role, you’ll serve as a liaison between Individual Life Underwriting and Corporate partners, providing specialized underwriting expertise to evaluate potential risk, investigate concerns, and support fraud-risk mitigation.

Responsibilities

• Evaluate underwriting referrals involving MIB and medical data, provide recommendations, and determine when further investigation or referral to the Special Investigations Unit is appropriate.
• Conduct forensic underwriting reviews including background checks, medical record reviews, and post-issue analysis related to individual cases or underwriting programs.
• Partner with Underwriting Leaders and Compliance to review Department of Insurance inquiries and state regulatory actions and coordinate responses from the Individual Underwriting department.
• Conduct contestable claims reviews to identify potential material misrepresentation and communicate findings to the Claims department.
• Serve as a subject matter resource to Individual Life Underwriting teams and other Corporate partners on medical and financial underwriting processes, requirements, tools, and procedures.

Qualifications

• Significant experience in Individual Life underwriting, with a strong understanding of medical and financial underwriting processes.
• Experience evaluating complex or escalated underwriting cases, including reviewing medical information and identifying potential risk concerns.
• Strong investigative and analytical skills, with the ability to evaluate information from multiple sources and make sound underwriting recommendations.
• Strong communication and collaboration skills, with the ability to work effectively with Underwriting, Claims, Compliance, and other business partners.
• Strong attention to detail and the ability to document and communicate findings clearly.
• Ability to promote a collaborative culture, value different ideas and opinions, and listen courageously, remaining curious in all that you do.
• Able to work remotely with access to a high-speed internet connection and located in the United States or Puerto Rico.

Preferred Qualifications

• Experience with fraud-risk identification, forensic underwriting, or Special Investigations.
• Experience with contestable claims reviews or post-issue underwriting analysis.
• Experience working with Department of Insurance inquiries or state regulatory matters.

Benefits

• Estimated Salary: $86,000 - $105,000, plus annual bonus opportunity.
• 401(k) plan with a 2% company contribution and 6% company match.
• Work-life balance with vacation, personal time, and paid holidays.