• Oversee and execute quality reviews of Group Rating Intake Tool (GRIT) requests and monthly production work, ensuring accuracy and compliance with actuarial rating methodologies and underwriting guidelines. • Conduct actuarial, underwriting, and financial impact analysis, including short/long stop-loss period analysis, credibility studies, and underwriting risk assessments to drive data-backed recommendations. • Develop and implement training materials, procedure manuals, and departmental documentation to ensure standardization and knowledge retention of actuarial methodologies and underwriting practices. • Identify and implement efficiencies in underwriting workflows, leveraging automation, predictive modeling, and data-driven process improvements to optimize team productivity. • Develop and deliver technical training on underwriting practices, actuarial methodologies, rating factor adjustments, and risk evaluation techniques. • Collaborate with internal and external audit teams to support actuarial and underwriting compliance, quality controls, and regulatory reporting. • Review and validate with final quality reviews for monthly mailings and other underwriting communications to ensure accuracy and clarity. • Develop, analyze, and maintain rating factors and risk models that support underwriting and actuarial tools, ensuring data-driven decision-making. • Support SERFF rate filings with the Kansas Department of Insurance (KDOI) ensuring accurate and timely submission of rate justifications and regulatory documents. • Oversee enhancements to underwriting tools and actuarial databases, ensuring seamless integration of rating models and optimization of underwriting systems.

Role Description Empire Life is looking to hire two Underwriting Trainees to join our Retail Underwriting team! The Underwriting Trainee works to become an underwriter through self-study and on-the-job training. In addition, you will be actively involved in the underwriting process, basic decision-making, and the assessment of risk. - Learn how to review life insurance applications while analyzing, assessing, evaluating, and quantifying risk based on several factors such as medical history, financials, and other determining factors. - This is a paid program as you will be reviewing live cases and shadowing colleagues leading up to more independent underwriting towards the end of the training. - We’re looking for individuals who are driven, collaborative, and analytical with sound decision-making to kick start their underwriting careers. Qualifications - Bilingualism (English/French) is required. - 1-3 years work experience in a professional environment. - Experience providing services to and interacting with clients. - Knowledge of word processing, spreadsheet, email, internet, and database computer software. - Working towards completion of ALU 1 and UND 386 considered an asset. - Completion of a post-secondary education is required. - Good analytical, decision-making, and problem-solving skills. - Good organizational skills. - Clear writing, listening, and verbal communication skills. - Well-developed customer relations skills. - Ability to work independently and as a team member. Requirements - Completes basic risk assessments of individual life insurance applications. - Demonstrates a willingness and eagerness to learn in order to ensure successful development of key underwriting skills and abilities. - Provides basic risk assessments and related support to Empire Life and to the Retail New Business Operations unit. - Participates in the basic risk assessment of individual life insurance applications. - Support and provide a high level of customer service to our customers and distribution partners via telephone and email. - Performs underwriting tasks such as screening applications, assisting in obtaining underwriting requirements, and making basic underwriting decisions within an established decision framework. - Involved in active on-the-job training. - Works to complete specific industry courses. Benefits - Competitive salaries with annual pay increases. - Annual bonus program, which recognizes both strong company performance and individual contributions, for non-sales positions. - Competitive uncapped commission, for sales positions. - A comprehensive employer-funded benefits package starting from day one of employment, that includes life insurance, disability, health and dental, and a generous health account. - Flexible work arrangements and an annual allotment of personal health days. - Four weeks annual vacation from hire date. - A defined contribution pension plan with generous employer matching. - Top-up programs for parental leave and compassionate leave. - Employer-sponsored wellness and recognition programs. - A cash employee referral program.

This role is for one of our clients Compensation: Rs. 6500 per hour hour (20 hours per week commitment) Job Type: Part-time / Contract ₹4,000 - ₹6,500 an hour We are seeking a highly motivated Insurance Underwriting AI Expert to join our growing team. This role sits at the intersection of insurance domain expertise and advanced analytics, focusing on transforming traditional underwriting processes using AI-driven solutions. The ideal candidate will bring strong knowledge of underwriting fundamentals along with the ability to design, implement, and optimize intelligent systems that enhance decision-making, efficiency, and risk outcomes. As an Underwriting AI Expert, you will play a critical role in modernizing underwriting workflows by embedding data-driven insights into core processes such as risk assessment, pricing, and portfolio management. You will collaborate closely with underwriting, actuarial, product, and engineering teams to develop scalable AI solutions aligned with business objectives. Requirements Key Responsibilities: - Design and implement AI/ML models to support risk assessment and selection, improving accuracy in evaluating applicant profiles, exposures, and potential losses. - Translate underwriting guidelines and business rules into data models and algorithms that automate and augment decision-making. - Develop and refine policy pricing and rating models using statistical and machine learning techniques, ensuring alignment with market competitiveness and profitability goals. - Analyze historical data and external datasets to identify risk patterns, trends, and anomalies that inform underwriting strategies. - Support appetite evaluation and guideline application by building intelligent systems that dynamically match risks to underwriting appetite and highlight exceptions. - Collaborate with cross-functional stakeholders to integrate AI models into underwriting platforms and workflows. - Continuously monitor model performance, validate outputs, and recalibrate algorithms to ensure compliance, fairness, and accuracy. - Contribute to the development of underwriting dashboards, reporting tools, and decision-support systems. - Stay updated on regulatory requirements and ensure all AI-driven underwriting practices adhere to compliance standards. Required Skills & Qualifications: - Bachelor’s or Master’s degree in Insurance, Actuarial Science, Data Science, Statistics, or a related field. - 2–8 years of experience in insurance underwriting, analytics, or AI/ML applications within the insurance domain. - Strong understanding of underwriting principles, including risk evaluation, pricing strategies, and policy structures. - Hands-on experience with machine learning techniques such as regression, classification, clustering, and predictive modeling. - Proficiency in tools such as Python, R, SQL, and data visualization platforms. - Experience working with large datasets, data preprocessing, and feature engineering. - Familiarity with underwriting systems, rating engines, and insurance data structures is highly preferred. - Strong analytical thinking, problem-solving abilities, and attention to detail. Preferred Qualifications: - Exposure to commercial or personal lines underwriting. - Experience with AI model deployment and MLOps practices. - Knowledge of regulatory frameworks impacting underwriting and pricing.

Worker's Compensation Product Director remote type 100% Remote locations Hartford, CT time type Full time job requisition id R2624676 Dir Product Management - EM06AE This is your opportunity to give those passions and talents new purpose by applying them to meaningful work at The Hartford. Reporting to the Assistant Vice President, Small Commercial Workers Comp, the Product Director will have accountability for driving key strategic items for the $2.2B line of business. The role will require the ability to work independently, think critically, and facilitate between the business unit and other functions across the organization as well as work with external customers. The ideal candidate will develop detailed knowledge about the Workers Compensation product inclusive of rating, pricing, underwriting and premium audit. This individual will also have a strong knowledge of line of business operational procedures, underwriting strategies, and filed rate management. The candidate will drive a variety of strategies to sustain long-term profitable growth for the line, across core focus areas: including classification, exposure / premium audit, distribution dynamics, & the WC line’s rating / pricing architecture. This role will be responsible for working with an extended team of business partners consisting of the Transformation Office, Premium Audit, Data Science, Underwriting, State Product Management, Actuarial and Middle & Large segment partners and other areas that support the business to monitor market dynamics, understand our customers better, and lead efforts to make changes to business offerings and processes. Major Job Functions Strategic Execution - Develop detailed book profile understandings along a variety of attributes (e.g. state, industry, policy size, etc.) - Develop strong working relationship with transformation, actuarial, data science, underwriting, and premium audit partners to identify areas of opportunity to maximize profit and growth including new product ideas, markets, and target customers. - Develop detailed understanding of items impacting Workers Comp exposure management, including audit, classification, renewal ITV, and endorsement transactions - Develop a comprehensive understanding of how Small Business provides top tier ease-of-doing-business solutions for our Workers Comp customers, driving strategies to increase market share and policyholder retention. - Develop a fluent Workers Comp rating/pricing subject matter expertise, partnering with cross functional areas to drive solutions that support our strategic roadmap. - Influence the organization to make necessary changes to achieve business plan objectives. - Develop an in-depth knowledge of key competitors maintaining a broad base of industry knowledge and current economic and business trends. Monitoring of Results - Leverage Small Business Analytics Office assets to monitor key initiatives - Reports out to senior management as required. - Influence the organization to make necessary changes to achieve business plan objectives. Qualifications - 7+ years of relevant industry experience, specifically in property casualty Product Management, Actuarial, Data Science, Premium Audit or other directly relevant experience. - Strong analytical skills essential. Ability to leverage data and understand insurance processes to drive solutions - Working knowledge of the Workers Comp line of business. - Strong decision-making orientation. Ability to make timely, well-reasoned business decisions that balance the needs of constituents across the Small Business organization. - Desire to solve problems. Ability to work across functions to drive solutions that leverage data/analytics to improve on technical processes, or innovate toward product solutions - Strong strategic thinking capability; demonstrated ability to anticipate emerging opportunities/problems and ability to partner with multiple teams to execute solutions. - Strong leadership skills; must be able to effectively lead cross-functional teams in a matrixed environment. - Demonstrated ability to influence organization to drive business plans and achieve results, including an ability to work with cross functional teams to solve problems. - This role can have a Hybrid or Remote work schedule.  Candidates who live near one of our office locations will have the expectation of working in an office 3 days a week (Tuesday through Thursday).   Candidates who do not live near an office will have a remote work schedule, with the expectation of coming into an office as business needs arise. Compensation The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is: $139,600 - $209,400