Underwriting Auditor, Underwriting Strategies

About Ethos

Ethos was built to make it faster and easier to get life insurance for the next million families. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones. 

We leverage deep technology and data science to streamline the life insurance process, making it more accessible and convenient. Using predictive analytics, we are able to transform a traditionally multi-week process into a modern digital experience for our users that can take just minutes! We’ve issued billions in coverage each month and eliminated the traditional barriers, ushering the industry into the modern age. Our full-stack technology platform is the backbone of family financial health.

We make getting life insurance easier, faster and better for everyone. 

Our investors include General Catalyst, Sequoia Capital, Accel Partners, Google Ventures, SoftBank, and the investment vehicles of Jay-Z, Kevin Durant, Robert Downey Jr and others. This year, we were named on CB Insights' Global Insurtech 50 list and BuiltIn's Top 100 Midsize Companies in San Francisco. We are scaling quickly and looking for passionate people to protect the next million families! 

About the role

The role seeks an experienced professional in the underwriting audit and quality control space. Your primary focus will be on reviewing risk assessment completed by our group of highly technical underwriters with the goal of maintaining world class underwriting for our carrier partners and customers. 

Additionally, you will contribute to the underwriting training efforts for our underwriters, in conjunction with underwriting management. Considering the experience gained through the audit and quality control process, the information gleaned will help to ensure that the underwriting team can continue to deliver to the highest standards. 

Duties and Responsibilities:

• Conduct regular monthly audits of cases that are referred to manual underwriting
• Conduct regular monthly audits of cases that are chosen for Post Issue Audit
• Provide meaningful, constructive feedback for underwriting staff
• Provide unbiased assessment of quality to underwriting management team
• Identify trends and areas of opportunity for underwriter education
• Work with Head of Underwriting Strategies to assess business risk for changes to underwriting guidelines
• Maintain the Underwriting Audit Scoring process
• Act as a subject matter expert for underwriting audit, especially with regard to underwriting workbench functionality
• Maintain appropriate documentation for underwriting criteria, guidelines and workflows 
• Serve as an underwriting quality expert for the Underwriting team
• Foster and encourage an environment of psychological safety

Qualifications and Skills:

• 3-5+ years of life new business underwriting experience
• Extensive experience with underwriting rules engines and rules processing
• The ability to communicate (both written and verbal) quality results and needs among multiple parties
• A record of identifying opportunities and quickly delivering solutions 
• Desire to be a team player in a dynamic environment
• An obsession with the customer and ability to challenge the status quo
• Experience in ownership of end-to-end audit process
• Knowledge of compliance and US governmental regulations is a plus
• Strong analytical skills/ability to interpret complex data to draw decisions
• Ability to provide productive, meaningful constructive feedback to the underwriting team

#LI-DG1

#LI-Hybrid

Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace.

We are an equal opportunity employer who values diversity and inclusion and look for applicants who understand, embrace and thrive in a multicultural world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records.

To learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice.