Life Underwriting Auditor
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Job Description
Life Underwriting Auditor auditing medical and financial risk decisions for Manulife, an international financial services provider. Improving underwriting controls, governance, quality, and innovation.
Responsibilities:
- Conduct post-issue audits and monitoring of new underwriting initiatives
- Assess technical accuracy, guideline adherence, and quality of underwriter decision-making
- Review underwriting decisions for medical, financial, and operational soundness
- Ensure decisions align with company guidelines, risk appetite, and mortality assumptions
- Identify material errors, trends, and themes in audit results
- Prepare structured reports and recommendations for management
- Collaborate with Underwriting Management and Risk Management on Corrective Action Plans and remediation tracking
- Enhance the Underwriting Risk Control Framework, including control design, key risk indicators, and governance standards
- Translate audit findings into targeted training, coaching, and guideline clarifications with Training & Development
- Test and evaluate new tools, rules engines, and GenAI solutions for their impact on underwriting quality and risk
- Assist with targeted audits for Underwriting Innovation initiatives
- Maintain complete and accurate audit documentation for internal audit, governance committees, and regulatory review
- Refine audit frameworks, metrics, and reporting through continuous improvement
Requirements:
- Several years, typically 5+ years, of experience in life insurance underwriting
- Proven expertise in medical and financial underwriting
- Strong understanding of life insurance products, underwriting guidelines, and risk selection principles
- Ability to interpret complex medical and financial information and assess risk appropriately
- Excellent analytical skills and attention to detail
- Ability to identify patterns and root causes in audit findings
- Strong written and verbal communication skills
- Ability to present findings clearly and constructively to underwriters and leadership
- High level of professionalism, integrity, and discretion when handling sensitive information
- Preferred: experience in audit, quality assurance, or risk management within life underwriting
- Preferred: familiarity with governance frameworks, risk controls, and regulatory expectations related to underwriting
- Preferred: comfort working with Excel or BI tools to analyze audit results and trends
- Preferred: professional designation such as ALU, FALU, FLMI, or equivalent
- Technical underwriting expertise in medical and financial underwriting
- Critical thinking and problem-solving
- Objectivity and fairness in assessment and feedback
- Collaboration with Underwriting, Risk, Training, Innovation, and Pricing teams
- Organizational skills and ability to manage multiple audits and deadlines
- Commitment to continuous improvement, learning, and knowledge sharing
Benefits:
- Competitive compensation
- Health, dental, mental health, and vision coverage
- Short- and long-term disability insurance
- Life and AD&D insurance coverage
- Adoption/surrogacy benefits
- Wellness benefits
- Employee/family assistance plans
- Retirement savings plans, including pension/401(k) savings plans
- Global share ownership plan with employer matching contributions
- Financial education and counseling resources
- Up to 11 paid holidays annually
- 3 personal days annually
- 150 hours of vacation annually
- 40 hours of sick time annually, or more where required by law
- Statutory leaves of absence
- Flexible, inclusive work environment
- Professional development, learning, and career growth opportunities
- Incentive programs and incentive compensation tied to business and individual performance
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