Title: Call Center Underwriter CL Associate (Workers Comp) Location: United States Job Description: Full time job requisition id JR104884 Company Overview FOCUS provides cloud-based, core administration solutions (FOCUS Tech) and services (FOCUS Insurance Services) for P&C insurance companies and MGAs. Using decades of industry experience, FOCUS is taking the risk out of insurtech for small, mid-size, and growth-focused insurance organizations. When you join FOCUS, you immediately become one of our most valued components – and we’re committed to investing in you. That means you can look beyond the paycheck and excellent benefits to an environment that will help you grow and achieve your professional goals through development and advancement opportunities and the support of our outstanding leaders and teammates. Position Summary: The Underwriter Associate CL - I provide high-quality, concierge-level service to insureds and agents by managing various servicing functions across small to mid-sized commercial accounts. The role is responsible for handling incoming calls and tasks both including service requests, renewals, billings, cancellations, setting up new business, and providing timely communication and updates to all clients. The Underwriter Associate CL-I plays a vital role in delivering accurate and efficient support across the policy lifecycle, while ensuring service standards and regulatory compliance are met. Essential Duties and Responsibilities: Receive incoming phone calls and service tasks regarding: Policy document requests Billing inquiries Renewal reviews Claims Cancellation Inquiries Reinstatement Inquiries Locate new or renewal policies in the system, review for accuracy, and ensure timely delivery to policyholders. Communicate professionally with insureds, agents, and underwriters to: Confirm binding of policy renewals Provide billing and task updates Review potential cancellations and policy status Answer general coverage questions Provide support in identifying and assisting issues in new line quote submissions. Set up accounts in agency systems and process FNOS (First Notice of Service) and FNOS Renewal tasks accurately. Process insured-requested cancellations and conduct “White Glove” pre-cancellation outreach to retain business and mitigate risk. Review policy expirations in advance of the renewal date and ensures timely communication with underwriters and clients. Support agents by preparing documents and handling service requests on their behalf. Intake claim information and initiate the reporting process with the carrier. Maintain proper documentation and tracking of all servicing tasks. Follow up on outstanding items and ensure all tasks are resolved within established timelines. Competencies: Accountability: Owns outcomes and meets expectations with integrity. Client Service Orientation: Acts promptly and professionally to resolve client needs and improve satisfaction. Communication: Communicates clearly in verbal and written formats; bilingual (English/Spanish) preferred. Problem Solving: Gathers relevant information and proposes practical, timely solutions. Technical Acumen: Understands and applies technical knowledge of P&C insurance in client-facing discussions. Sales Insight: Applies consultative selling and identifies opportunities to offer additional value. Organization: Manages multiple priorities in a fast-paced environment while meeting deadlines. Professionalism: Exhibits respect, tact, and accountability under pressure. Team Support: Fosters collaboration and assists team members as needed. Qualifications: Experience: Basic customer service experience and/or insurance experience. Prior call center or high-volume customer service experience is a plus. Technical Skills: Proficient in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint). Experience with agency management systems such as EZLynx or similar platforms. Ability to operate office equipment: scanners, copiers, fax machines, calculators. Why join the FOCUS Team? The FOCUS Difference: - Medical, Dental, Vision, Life, Pet; Flexible Spending Account - Competitive Salaries - 401K Match - Work-Life Balance: Personal Days, PTO Days, 12 Paid Holidays, Two Paid Days for Volunteer Service, Paid Parental Leave - Short and Long-Term Disability - Employee Support Programs, Including Mental Health - Tuition Reimbursement - Matching Charitable Gift Program - Lucrative Referral Program - Commuter Benefits - Flexibility: Remote and Hybrid Opportunities Available This position is not able to be performed in California, Colorado, New York or Washington. EEO Team Focus Insurance Group is an equal opportunity employer that does not discriminate on the basis of race, color, religion, sex (including pregnancy, sexual orientation, and gender identity), national origin, age, disability, veteran status, marital status, or any other protected characteristic. Our hiring practices ensure that all qualified applicants receive fair consideration without regard to these characteristics. Disability Team Focus Insurance Group is committed to creating an inclusive and accessible workplace for all candidates, including those with disabilities. We are dedicated to ensuring equal employment opportunities and providing reasonable accommodations to qualified individuals with disabilities. If you require reasonable accommodations to participate in the application or interview process, please contact our HR department at hrinfo@peak6insurtech.com. We will work with you to provide the necessary accommodations to ensure your full participation in our hiring process. Note to applicant: It is unlawful in Massachusetts and Maryland to require or administer a lie detector test as a condition of employment or continued employment. Please know that our company does not use lie detector tests in our hiring process.

Title: Senior Underwriting Consultant Location: Various United States Full time Regular Job Description: You desire impactful work. You're RGA ready RGA is a purpose-driven organization working to solve today's challenges through innovation and collaboration. A Fortune 200 Company and listed among its World's Most Admired Companies, we're the only global reinsurance company to focus primarily on life- and health-related solutions. Join our multinational team of intelligent, motivated, and collaborative people, and help us make financial protection accessible to all. Position Overview Under limited supervision, evaluates and classifies medical, non-medical, and financial risks on complex risks for life insurance up to $10,000,000 with approval authority up to $5,000,000. Ensures rate quotes are fair and equitable to clients, profitable to RGA Re, and completed within the required time frames. Maintains strong client relationships by providing underwriting solutions to client issues and communicating underwriting decisions, compromises and solutions in a professional, client-focused manner. Responsibilities - Appraises and underwrites complex risks for life insurance with approval authority up to $5,000,000 and ensures underwriting quotes are sound, competitive and profitable to RGA Re. - Processes casework load to ensure completion in a timely, efficient manner, meeting or exceeding time service/productivity goals and offer/decline ratios; and ensuring compliance with internal underwriting and audit guidelines. - Provides underwriting solutions to clients by partnering with them to identify unique, creative ways to solve their problems and improve their business results. - Builds and maintains strong working relationships with clients by gaining knowledge of clients' business and uses effective listening skills to understand their needs. Effectively communicates, sells and negotiates RGA Re's underwriting decisions. - Keeps abreast of new client company or industry products, current developments and changes in medical and financial underwriting and maintains/updates professional development through study of literature and participation in seminars. - Identifies image system issues, sometimes on a remote basis, and reports inconsistencies or problems. - Collaborate with Medical Directors, other team members, internal departments and other RGA Re offices to obtain expert knowledge, to assist in identifying solutions and resolutions to problems/issues resulting in quality results and client satisfaction. - Participates in special projects, committees, and meetings and assists in client presentations, as required. - Assists in department training, updating internal underwriting guidelines/procedures, gathering client profiles, audit reviews, and in other department areas as needed. - Maintains regular and predictable attendance. - Performs backup support and other duties as assigned. Qualifications - Bachelor's Degree or equivalent related work experience (minimum 8 years) - 4-6 years reinsurance Life underwriting experience or 7-8 years direct Life underwriting experience - Basic Word skills, intermediate SQL/Query and Excel skills - Competent ability to comprehend and interpret insurance and contract documents. - Advanced oral and written communication skills demonstrate the ability to share and impart knowledge. - Ability to quickly adapt to new methods, work under tight deadlines and stressful conditions. - Advanced investigative, analytical and problem-solving skills - Advanced ability to set goals and handle multiple tasks, clients, and projects simultaneously; Ability to appropriately balance priorities, deadlines, and deliverables - Ability to work well within a team environment and participate in department/team projects - Ability to balance detail with departmental goals/objectives - Advanced ability to translate business needs and problems into viable/accepted solutions - Advanced skills in customer relationship management and change management - Ability to manage multiple projects or teams and set applicable goals - Advanced negotiating and persuasion skills - Ability to liaise with individuals across a wide variety of operational, functional, and technical disciplines - General business knowledge - Advanced knowledge of insurance principles, underwriting policies and procedures and guidelines for dealing with risk analysis. - Advanced knowledge of medicine, law, accounting, finance as applied to the evaluation of life reinsurance risks and of life insurance risks. - Ability to comprehend, analyze and apply vast amounts of medical and financial information quickly to making sound financial underwriting and risk assessments. - Ability to work online, either at home or remote - Ability to travel occasionally #LI-REMOTE #LI-SP2 What you can expect from RGA: - Gain valuable knowledge from and experience with diverse, caring colleagues around the world. - Enjoy a respectful, welcoming environment that fosters individuality and encourages pioneering thought. - Join the bright and creative minds of RGA, and experience vast, endless career potential. We're excited to get to know you and connect your unique skills with our global opportunities. To create a modern and seamless experience, we use artificial intelligence (AI) in parts of our preliminary screening process. This technology helps us personalize job recommendations, automate interview scheduling, evaluate candidates based solely on experience-without considering name, gender, or other personal details-and provide real-time answers through our chatbot. AI is used only during early screening and never makes hiring decisions. Your RGA recruiter will work closely with you every step of the way to ensure the process feels personal, thoughtful, and focused on you. Compensation Range: Base pay varies depending on job-related knowledge, skills, experience and market location. In addition, RGA provides an annual bonus plan that includes all roles and some positions are eligible for participation in our long-term equity incentive plan. RGA also maintains a full range of health, retirement, and other employee benefits. RGA is an equal opportunity employer. Qualified applicants will be considered without regard to race, color, age, gender identity or expression, sex, disability, veteran status, religion, national origin, or any other characteristic protected by applicable equal employment opportunity laws.

• Underwriting policy and execution across the combined portfolio: card merchants, A2A clients, ISO and ISV sub-merchant populations, and high-velocity onboarding programs. • This includes the mass onboarding and underwriting models that must support a step change in boarding velocity over the next two quarters. • Fraud monitoring, transaction monitoring alerts, ACH return-rate performance against NACHA thresholds, chargeback and dispute operations, and the KYC and KYB tooling stack, including vendor strategy across providers such as Verafin, Alloy, Middesk, and Socure alongside the card-side stack. • Reserve methodology and management, including reserve sizing, release decisions, and the financial exposure conversations that come with them. • You are the operating face of risk to our financial institution partners. • That means principal-level credibility with sponsor banks and ODFIs, participation in new banking relationship buildouts, and exam and audit readiness across BSA and AML, OFAC, state money transmission licensing, and network compliance. • You partner with the Compliance function, which sits within Legal, as a peer relationship. • Your first year includes a defining integration project: reconciling two risk frameworks, two underwriting cultures, and two banking arrangements from a recent acquisition into one coherent program. This is a core function of the role and a key measure of success.

• Maintain accountability for assigned territory, ensuring profitable growth and achievement of profit and premium plans for prescribed business unit strategies. • Lead a team of underwriters to profitably underwrite complex new and renewal business through risk selection, pricing, contractual integrity, and account management, in accordance with delegated authority, and ensuring regulatory compliance. • Effectively coach and develop the team to execute underwriting technical discipline and established quality standards to: Demonstrate critical thinking in assessing the risk and identifying exposures and controls. • Price risk commensurate with exposures and controls. • Set appropriate terms and conditions to deliver a profitable portfolio. • Document assigned files with underwriting thought process. • Serve as a subject matter expert to assist team members with complex risks. • Through effective portfolio management skills, achieve profit and premium plans for prescribed business unit strategies. • Execution of business plans for achieving established operational plan targets for written premium, loss ratio, renewal retention, pricing, and expense management. • Achieve production goals within assigned territory, leading the team to: Effectively conduct both in-person and virtual sales calls with agencies and insureds. • Prospect and develop a strong pipeline of new business opportunities. • Develop and maintain successful relationships with producers and agencies. • Collaborate with Business Unit and Line of Business underwriting, Sales and Distribution, Underwriting Center, Underwriting Support, Risk Control, Legal, Claims, and other internal partners to ensure optimal stakeholder management. • Exhibit and coach market-facing sales skills such as prospecting, marketing, pipelining, production meetings, developing deep relationships with producers and agencies, increasing UFG’s relevance in the marketplace. • Represent UFG in the marketplace, articulating the company’s capabilities in underwriting, risk control, and claims, across all business units at UFG.