• Assists the process of binding insurance policies, ensuring accuracy and compliance with binding underwriting guidelines and regulatory requirements. • Administers underwriting applications with the information necessary to rate, document and issue accurate and compliant policies. • Assists with new business submission with directions from the Binding Underwriter to prepare and market to carrier. • Coordinates between Underwriters and brokers by responding to inquiries, works with brokers to obtain information needed to quote, and provides revised quotes as requested. • Processes and issues policy endorsements, including changes to coverage, limits, or policy terms, ensuring accuracy and timely implementation and tracks cancellation notifications, non-renewal, and renewal solicitation notifications. • Maintains comprehensive and organized records of all binding transactions and related documentation, including policy details, endorsements, and client information. • Communicates with clients to collect required information, explains policy terms and conditions, and addresses any questions or concerns related to the binding process. • Executes the work assigned by underwriters and underwriting assistants when they are out of the office or otherwise unavailable. • Prepares reports related to policy binding metrics, performance, and compliance, providing insights for process improvement.

Role Description As an Underwriter, you’ll analyze insurance applications and manage large or high-risk clients that are within the Social Services/Human Services sector. This position will be responsible for handling both new business and renewals within their assigned territory and work to build strong relationships with retail and carrier contacts while driving business growth and profitability. As an Underwriter in the Human Services niche, you will have the opportunity to contribute to our mission by delivering exceptional service and expertise. This is a remote opportunity within the United States. - Assess insurance applications, evaluate risks, and determine the right coverage and pricing for Human Services accounts. - Work with accounts in helping them make informed decisions and create tailored insurance solutions. - Develop underwriting strategies, monitor team performance, and generate reports to track key metrics like policy performance and market trends. - Build strong relationships with retail and carrier contacts which will be a key part of success. - Participate in professional development opportunities to stay current within the industry. Qualifications - Bachelor's degree and 2 years related experience required. - Working knowledge of Microsoft Windows applications and Microsoft Office. - Detail oriented; strong analytical skills and good communication and interpersonal skills. Benefits - Medical/dental/vision plans, which start from day one! - Life and accident insurance. - 401(K) and Roth options. - Tax-advantaged accounts (HSA, FSA). - Educational expense reimbursement. - Paid parental leave. - Digital mental health services (Talkspace). - Flexible work hours (availability varies by office and job function). - Training programs. - Gallagher Thrive program – elevating your health through challenges, workshops and digital fitness programs for your overall wellbeing. - Charitable matching gift program. - And more...

• Define and execute a forward-looking underwriting strategy aligned to corporate growth targets, risk appetite, and capital efficiency objectives. • Establish and maintain dynamic risk tolerance frameworks segmented by vertical, channel, and product type. • Partner with Sales, Product, Finance, and Compliance to embed risk-adjusted decisioning into go-to-market strategy. • Oversee end-to-end merchant underwriting across SMB, mid-market, and enterprise segments. • Develop and maintain underwriting policy, exception governance, and escalation protocols. • Monitor portfolio performance metrics (loss rates, chargeback exposure, fraud indicators, concentration risk) and proactively recalibrate underwriting criteria. • Support with the implementation of predictive modeling and machine learning capabilities to enhance risk scoring and pricing precision. • Drive underwriting automation and straight-through processing to improve speed-to-decision while preserving control integrity. • Optimize workflow design, capacity planning, and service-level standards to support scalable growth. • Build robust QA and second-line review mechanisms to ensure policy adherence and regulatory compliance. • Ensure underwriting practices comply with card brand rules, sponsor bank requirements, AML/BSA standards, and applicable state and federal regulations. • Maintain strong documentation, audit trails, and defensible decision frameworks. • Serve as primary underwriting liaison during regulatory exams, sponsor bank reviews, and internal audits. • Champion data-driven decisioning, including integration of alternative data sources and third-party risk intelligence tools. • Collaborate with Technology and Data teams to modernize underwriting systems and reduce manual friction points. • Leverage analytics to identify emerging industry risk trends and proactively adjust exposure. • Recruit, develop, and retain high-performing underwriting and risk professionals. • Establish a culture of accountability, analytical rigor, and commercial partnership. • Create clear performance KPIs tied to portfolio outcomes and operational efficiency.

• Analyze medical, personal and financial information to assess the overall risk to the organization in accordance with applicable standards and practices • In the event of non-standard decisions, negotiate with reinsurers to find solutions to obtain the best possible decision for our members, clients and partners • Communicate in writing or by phone with stakeholders • Help develop operational processes and modifications to the sector's computer systems • Make decisions and be able to justify them to members, clients and partners