The Disability Insurance (DI) Underwriting and Digital Operations Technical Underwriting Consultant will support the Office of the Head DI Underwriter (OOHU) within Digital Operations Team by demonstrating accountability, agility, a dedication to being inclusive, a strong business acumen, and will show courage, even in the most difficult situations. We also value strong communication skills, a passion for learning, leadership traits, resilience, and self-awareness. We are Digital Operations, established in the MassMutual Enterprise Technology Experience (ETX) organization. The successful candidate will be able to:

Demonstrate a strong understanding of our underwriting policies, guidelines, practices and procedures and a willingness to champion changes to improve processes while maintaining morbidity expectations.Have a strong working knowledge of the regulatory environment, compliance, claims reviews, product development and the maintenance of MassMutual’s non-medical underwriting manual.Provide technical expertise for the department in all areas of medical and non-medical underwriting. This could be on individual cases or in monitoring trends at MassMutual and in the industry.Develop recommendations for new and competitive underwriting guidelines with research, documentation, marketing, and presentations.Think critically and problem solve using data to drive toward resolution.

Role Characteristics & Responsibilities

Compliance:

Responsibility for making sure that we are compliant with all MassMutual as well as any state or Federal legal obligations in the underwriting area.

Claims reviews:

Review contestable claims.Track for possible trends and to validate that our current underwriting practices are sound, and measures are in place.Provide recommendations based on the trending output to the Head DI Underwriting, e.g., potential guideline changes or targeted training. Point of contact for any other claims concerns or issues that may require underwriting expertise.

Product Development:

Participate in new product development and will need to communicate all new product initiatives/changes to the department.Make recommendations on new underwriting guidelines that apply.

Additional Support

Provide support with other work items as assigned by Head DI Underwriter, e.g., guideline reviews, training and overall risk oversight and governance, working closely with Head Underwriter.Be forward thinking by looking for synergies across product lines (Life, DI and LTC) for commonality in developing guidelines and underwriting requirements with the objective of growing our concur business. Interpret large sets of data and effectively communicate data trends.Consults with stakeholders on core issues and watch list items openly share knowledge, information, and feedback, collaborating to identify solutions and supporting team success.Lean into new challenges as they arise. Be comfortable with ambiguity.Handles projects with a sense of urgency based on business prioritizationDistill information into concise summaries and tools for diverse internal audiences

Required Qualifications

10+ years of relevant work experience in DI Insurance Underwriting Approval limits without second signature -  $20,000 per month of DI, $50,000 Business Overhead and $3,000,000 of Buy-SellMastery knowledge of individual  DI  insurance practices, underwriting standards, and operationsConfident communicator with strong written and verbal communication skillsBe able to think strategically and influence othersAbility to partner with key constituents to support strategic and tactical developmentA demonstrated track record of consistently meeting and/or exceeding performance expectationsIntrapreneur mindset – you drive your business forward with latitude for independent decision makingProficient with Microsoft Office Suite and data visualization tools (e.g., Tableau) 

Preferred Qualifications

Bachelor’s Degree

Industry exams completed, e.g., ALU 101, 201, 202, LOMA, ALMI, FMLI, ALU, FALU, DIA, DIF, RHU

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MassMutual is an Equal Employment Opportunity employer Minority/Female/Sexual Orientation/Gender Identity/Individual with Disability/Protected Veteran. We welcome all persons to apply. Note: Veterans are welcome to apply, regardless of their discharge status.

If you need an accommodation to complete the application process, please contact us and share the specifics of the assistance you need. EEO Statement (Opens in new window)

MassMutual will accept applications on an ongoing basis until such time as a candidate has been offered employment. The job description includes the main duties of this position, which may evolve over time. You may be required to perform other duties not listed.

It is unlawful in Massachusetts to require or administer a lie detector test as a condition of employment or continued employment.

Salary Range: $163,900.00-$215,000.00