Role Description We’re looking for a Risk Advisor to support construction client relationships and help scale our construction vertical. You’ll work alongside senior advisors and directly with business leaders at GCs, specialty contractors, and developers to assess exposures, participate in Risk Analyses, and deliver tailored solutions that drive measurable impact. This role is ideal for someone in the first five years of their construction insurance career who is eager to develop deep technical expertise and grow into a trusted client advisor. - Support and manage a portfolio of construction accounts, including GCs, specialty subcontractors, developers, and owners across admitted and E&S markets. - Participate in client-facing Risk Analyses, helping diagnose coverage gaps across GL, WC, Auto, Umbrella/Excess, Builders Risk, and Inland Marine. - Assist in preparing marketing submissions, renewal proposals, and program comparisons covering exposure changes, loss history, coverage terms, and cost of risk. - Build and contribute to playbooks for the construction vertical to create repeatable, scalable best practices. - Support certificate and contract review processes, identifying insurance requirements and potential coverage mismatches. - Help manage ongoing program administration including audits, adjustments, endorsements, and claims coordination. - Collaborate closely with Growth, Product, and Ops teams to ensure seamless execution and a differentiated client experience. - Translate client needs into actionable insights for underwriting, operations, and product improvements. - Track and report key client metrics to identify opportunities for expansion, efficiency, and impact. - Contribute to the culture of excellence, curiosity, and accountability that defines our team. Qualifications - 2–5 years into your career, ideally with experience in commercial insurance, construction risk, or client advisory roles. - Some familiarity with construction coverage lines — GL, WC, commercial auto, and builders risk — and a strong desire to develop deeper technical expertise. - Confident in client conversations and growing in your ability to present analyses, program summaries, or proposals. - Strong critical thinking skills, with experience (or aptitude) for evaluating coverage programs and translating analysis into actionable strategies. - Deeply curious about how construction businesses operate and motivated to become a trusted advisor to their leaders. - Strong communicator who thrives in fast-moving, collaborative environments. - Highly detail-oriented and accountable — you own outcomes, not just tasks. - Coachable and eager to learn; open to feedback and committed to growth. - Drawn to environments where performance is rewarded with real upside and autonomy. - Hardworking, kind, and humble — the type of teammate others want to work with. - Active P&C Brokers License required (or must be obtained within 120 days of hire). Requirements - Active P&C Brokers License required (or must be obtained within 120 days of hire). Compensation For candidates based in the United States, the expected pay range for this position is $85,000 – $125,000/year. Actual compensation will be determined based on factors such as market location, job-related skills, experience, and qualifications. This role may also be eligible for additional variable compensation, including quota-based incentives where applicable. WithCoverage offers a comprehensive Total Rewards package for full-time employees, which includes equity grants and a robust suite of benefits. Benefits - Competitive compensation that may include equity. - Comprehensive benefit plans for medical, dental, vision, life, and disability. - Flexible Spending Accounts (FSAs): Health Care FSA and Dependent Care FSA. - Commuter Savings Account. - 401(k) through Human Interest. - Flexible paid time off, sick leave, family and medical leave, and observance of all major national holidays. - A curated in-office employee experience designed to foster community, team connections, and innovation, including catered lunches on Fridays for in-office workers. - Collaborative, transparent, and fun culture.

• Lead key components of the Quality Risk Adjustment (QRA) programs • Ensure compliance with regulatory standards • Optimize quality outcomes • Partner with internal stakeholders and external vendors • Enhance operational effectiveness and leverage AI technologies

Role Description As a Principal Medical Safety Specialist (Pr. MSS) you will have an integral role in the day-to-day functioning of the global medical safety organization. In this vital role you will execute upon Olympus medical safety processes globally. As an individual contributor, you will lead and influence the science and practice of all medical safety activities related to the detection, assessment, understanding of product risks and their effective mitigations to protect patients worldwide. You will demonstrate the advanced ability to apply your solid clinical experience, product expertise, and medical safety domain knowledge to lead, collaborate, and influence patient safety in activities being performed cross-functionally across the product lifecycle for all Olympus therapeutic areas. You will bring industry experience and expertise in the fundamentals of Medical Safety practices and processes to Olympus and will report directly to the Medical Safety Director as a member of the global medical safety team. Additionally, you will be expected to mentor and train other Medical Safety professionals and will use your expertise to contribute to the definition and formalization of medical safety engagement criteria in processes throughout the Olympus product lifecycle. You must be adept at cultivating strong collaborative relationships across: - Medical & Scientific Affairs - Infection Prevention & Control - Quality Affairs & Regulatory Affairs - Research & Development - Legal - Health Care Compliance Job Duties - Complaint Assessment: Contribute to the creation of tools and SOPs to be used by the medical safety team to medically assess causality and severity of adverse events reported to Olympus. Independently recommends escalation of key events. - Risk Management: Uses prior risk management experience to contribute to the development of pre/post market risk assessments and risk management file documentation, specifically providing information related to observed and potential patient harm, severity, and mitigations to reduce the potential for harm. - QARA Processes: Uses prior Medical Safety experience to contribute to the optimization of medical safety's role in QARA processes across the product life cycle by participating in activities to formalize and optimize the MS role. Additionally, provides Medical Safety review and approval for PMS documentation, labeling/IFU creation, Clinical Evaluation Reports, developing responses to inquiries from regulators, Human Factors Engineering reports, non-conformance dispositions, and CAPA. - Cross-functional meetings: Independently uses medical subject matter expertise to represent Medical Safety in cross-functional meetings related to HHA, FCA, trending, and complaint review boards; independently recognizes and contributes to escalation of key events or issues with potential for safety impact. Identifies data or information needed to facilitate medically sound decision making related to patient safety. - Medical Safety or Cross-functional projects: Plays an active role in driving and contributing to Medical Safety priorities and initiatives, aligning goals and performance with business and functional objectives. Will often lead initiatives and internally communicate progress on assigned initiatives. - Use your advanced clinical knowledge and medical safety experience to serve as a medical safety expert contributor to assess and understand product risk and influence and advise on mitigation strategies. - Search, review, trend, understand, and interpret adverse event data, literature, and other safety-relevant data for the purpose of signal detection. Qualifications - BS/BA Degreed Health Care Professional Required - 5+ years of experience working as a Health Care Professional (RN). - Direct patient care experience is required (Hospital, Medical or Clinical Practice, with a preference for clinical experience in the areas of Gastroenterology, Pulmonary, ENT, General Surgery, Neurological Surgery, Orthopaedic Surgery, Urology, Obstetrics/Genecology, Infectious Disease, Infection prevention and control) - 4+ years Medical Safety or Risk Management Experience (Medical Device preferred to Pharma) - Extended periods of time doing computer-based work - Extended hours to accommodate international / intercontinental global time schedules. - While performing the duties of this job, the employee is regularly required to be independently mobile. - The employee is also required to interact in-person and virtually with peers and co-workers. - Travel up to 10% may be required. - Ability to lead with influence without authority. - Personal integrity, ethics, and honesty - Excellent written and spoken English. - Ability to successfully influence and collaborate cross-culturally. - Fluency with medical terminology and proficiency in medical writing - Results oriented mindset. - Demonstrated attention to detail. - Strong problem-solving and excellent organizational skills - Ability to prioritize rapidly. - Aptitude to make decisions and execute directives. - Demonstrated proficiency with common MS Office programs (Word, Excel, PowerPoint, Teams) - Ability to listen and think critically (sometimes creatively) - Proficiency in public speaking and delivering presentations. - Experience working in a matrix management structure. - Excellent decision making/analysis skills; ability to manage multiple projects simultaneously. - Ability to be an initiative-taker and work independently to achieve on time deliverables. - Maturity to consistently balance a sense of urgency with diplomacy & empathy. - A keen sense of intuition to anticipate problems before they occur. - Wherewithal to work under tight deadlines, demonstrating initiative and flexibility. - Effective people skills that allow cultivation of working relationships that may or may not be part of direct team (cross functional environment). Benefits - Competitive salaries, annual bonus and 401(k) with company match - Comprehensive medical, dental, vision coverage effective on start date - 24/7 Employee Assistance Program - Free live and on-demand Wellbeing Programs - Generous Paid Vacation and Sick Time - Paid Parental Leave and Adoption Assistance - 12 Paid Holidays - On-Site Child Daycare, Café, Fitness Center

Job Requisition ID: 93989 Location Designation: Fully Remote Role Overview The Senior Associate, Morbidity Underwriting Risk & Quality Solutions is an advanced individual contributor responsible for ensuring the quality, consistency, and effectiveness of morbidity underwriting decisions across Long Term Care and Individual Disability Insurance. This role owns morbidity underwriting quality insights, monitoring, and reporting, and plays a critical role in identifying trends, assessing adherence to guidelines, and driving improvements to underwriting practices, tools, and processes. The individual operates with a high degree of independence, applying deep underwriting expertise and analytical judgment to evaluate outcomes, influence decision-making, and support continuous improvement across underwriting and modernization efforts. What You'll Do: Quality Oversight & Case Review - Perform post-decision reviews of LTC and IDI underwriting cases to assess accuracy, consistency, and alignment with morbidity underwriting guidelines - Apply expert judgment to evaluate whether underwriting decisions are equitable, balanced, and aligned with intended risk outcomes - Identify decision inconsistencies, guideline deviations, training opportunities and areas of elevated risk Trend Analysis & Insight Generation - Own monitoring and analysis of morbidity underwriting quality trends across products, cohorts, and distribution channels - Identify patterns in decisioning, including inconsistencies, leakage, or emerging risks - Develop and maintain dashboards and reporting to track quality metrics and performance over time Process Improvement & Recommendations - Drive recommendations to improve underwriting quality and consistency, including: - Training needs - Updates to underwriting guidelines and procedures - Enhancements to rules, tools, and systems - Partner with underwriting leadership to prioritize and implement improvements Cross-Functional Collaboration & Influence - Collaborate with Morbidity Underwriting Managers, Product, and Underwriting Modernization teams to translate insights into actionable improvements - Provide input into model evaluation, rule changes, and system enhancements impacting morbidity underwriting - Facilitate working sessions to align stakeholders on findings, root causes, and solutions Subject Matter Expertise & Governance Support - Serve as a subject matter expert in morbidity underwriting quality and best practices - Ensure adherence to underwriting guidelines, regulatory requirements, and internal standards - Support governance routines by providing clear, data-driven insights into underwriting performance and quality What You'll Bring: Required Qualifications - 5-10+ years of experience in life/health, LTC, or IDI underwriting with strong morbidity expertise - Deep understanding of underwriting guidelines, risk assessment, and decision frameworks - Experience reviewing complex underwriting decisions and identifying inconsistencies or risk patterns - Strong analytical skills with ability to synthesize data and generate actionable insights - Experience with reporting and data visualization tools (e.g., Excel, Qlik, Tableau, Power BI, SQL) - Proven ability to influence cross-functional stakeholders without direct authority - Strong written and verbal communication skills Preferred Qualifications - Experience in underwriting quality control, audit, or second-line review functions - Experience supporting underwriting automation, models, or rules engines - Experience using AI tools or willingness to research and build AI tools for efficiency of reviews. - Industry designations (FLMI, FALU, DIA, DIF LTCP.) - Experience working in Agile or product-based environments Success Measures - Improved consistency and accuracy of morbidity underwriting decisions - Reduction in guideline deviations and quality defects - Measurable improvements in underwriting outcomes and risk alignment - Adoption of recommended process, guideline, and system enhancements - Strength of cross-functional alignment and stakeholder engagement #LI - EM1 #LI - REMOTE Pay Transparency Salary Range: $100,000-$143,000 Overtime eligible: Exempt Discretionary bonus eligible: Yes Sales bonus eligible: No Actual base salary will be determined based on several factors but not limited to individual's experience, skills, qualifications, and job location. Additionally, employees are eligible for an annual discretionary bonus. In addition to base salary, employees may also be eligible to participate in an incentive program. Please note: This role requires FINRA licensed and/or FINRA Associated Person pre-hire fingerprinting. Company Overview At New York Life, our 180-year legacy of purpose and integrity fuels our future. As we evolve into a more technology-, data-, and AI-enabled organization, we remain grounded in the values that drive lasting impact. Our diverse business portfolio creates opportunities to make a difference across industries and communities-inviting bold thinking, collaborative problem-solving, and purpose-driven innovation. Here, you'll find the rare balance of long-standing stability and forward momentum, supported by an inclusive team that honors tradition while embracing progress. As a Fortune 100 mutual company, we offer a place to grow your skills, contribute to meaningful work, and deliver solutions that matter. Your ideas drive what's next, and your growth powers it. Our Benefits We provide a full package of benefits for employees - and have unique offerings for a modern workforce, including leave programs, adoption assistance, and student loan repayment programs. Based on feedback from our employees, we continue to refine and add benefits to our offering, so that you can flourish both inside and outside of work.Click hereto discover more about our comprehensive benefit options or visit our NYL Benefits Site. Our Commitment to Inclusion At New York Life, fostering an inclusive workplace is fundamental to who we are and how we serve our communities. We have a longstanding commitment to creating an environment where individuals can contribute their best and succeed together. This foundation is rooted in our core values of humanity and integrity, ensuring that every employee feels valued and supported. By embracing a broad range of perspectives and experiences, we achieve greater success and fulfill our promise of providing financial security and peace of mind to families across all communities. Click here to learn more about New York Life's leadership in this space. Recognized as one of Fortune's World's Most Admired Companies, New York Life is committed to improving local communities through a culture of employee giving and volunteerism, supported by the Foundation. We're proud that due to our mutuality, we operate in the best interests of our policy owners. To learn more about career opportunities at New York Life, please visit the Careers page of www.NewYorkLife.com. Visit our LinkedIn to see how our employees and agents are leading the industry and impacting communities. Visit our Newsroom to learn more about how our company is constantly evolving to meet our clients' and employees' needs. Job Requisition ID: 93989