Are you passionate about being part of a team that delivers extraordinary care to help individuals and businesses prepare for and protect their retirement? If so, then Nationwide Financial could be the place for you! At Nationwide®, “on your side” goes beyond just words. Our customers are at the center of everything we do and we’re looking for associates who are passionate about delivering extraordinary care.
This opportunity is available for fully remote work.
Job Description Summary Developing the underwriting strategy and ensuring it meets our risk appetite is essential to Nationwide's profitability and overall success. Our team utilizes our analysis and problem-solving skills to enable solutions that drive underwriting efficiency and streamlined approaches. If you are a creative problem solver, have strategic agility, and are an excellent communicator, we want to know more about you!
As a Consultant, you’ll play a pivotal role in shaping our underwriting processes by leveraging cutting‑edge technology and data‑driven insights. Your expertise in rules engine development will drive efficiency, accuracy, and innovation within our underwriting function.
Key Responsibilities Rules Engine Development
Collaborates with cross‑functional teams to design, develop, and enhance underwriting rules engines.
Translates complex underwriting guidelines into logical rules.
Implements and maintains rules‑based decision‑making systems to automate routine underwriting tasks.
Continuously optimizes rules engines to improve risk assessment and streamline processes.
Data‑Driven Decision Making
Analyzes historical data, emerging trends, and market insights to inform rules engine design.
Integrates external data sources (such as medical databases, credit scores, and behavioral data) into the rules framework.
Ensures rules align with regulatory requirements and company policies.
Risk Assessment and Pricing
Evaluates life insurance applications based on risk factors, medical history, and lifestyle.
Collaborates with actuaries to determine appropriate pricing and risk classification.
Utilizes rules engines to assess mortality risk accurately and efficiently.
Process Optimization
Identifies bottlenecks and inefficiencies in the underwriting process.
Proposes enhancements to streamline workflows using rules‑based automation.
Monitors performance metrics and adjusts rules as needed.
Collaboration and Training
Works closely with underwriters, IT teams, and business stakeholders.
Provides training and guidance on rules engine usage to underwriters.
Fosters a culture of continuous learning and innovation.
Quality Assurance
Conducts regular audits to ensure rules engine accuracy and consistency.
Investigates discrepancies and addresses any issues promptly.
May perform other responsibilities as assigned.
Reporting Relationships Reports to Manager or Director.
Typical Skills and Experiences Education Bachelor’s degree in computer science, Mathematics, Statistics, or related field.
Experience 5+ years of experience in developing and managing automated underwriting rules engines for life insurance preferred.
License/Certification/Designation Industry certifications such as FLMI (Fellow, Life Management Institute) or ALU (Associate, Life Management Institute) preferred, but not required.
Knowledge, Abilities and Skills
Strong knowledge of underwriting principles and practices.
Proficiency in rules engine platforms (e.g., Drools, Blaze Advisor, or similar).
Strong programming skills (Java, Python, or other relevant languages).
Familiarity with data modeling and database management.
Ability to interpret complex data and translate it into actionable rules.
Understanding of insurance regulations and compliance requirements.
Excellent communication skills and a team‑oriented approach.
Other criteria, including leadership skills, competencies and experiences may take precedence.
Staffing exceptions to the above must be approved by the hiring manager’s leader and Human Resource Business Partner.
Values Regularly and consistently demonstrates the Nationwide Values.
Job Conditions Overtime Eligibility Not eligible (Exempt).
Working Conditions Normal office environment.
ADA The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.
We currently anticipate accepting applications until 12/05/2025. However, we encourage early submissions, as the posting may close sooner if a strong candidate slate is identified before the deadline.
The national salary range for Consultant, Underwriting Rules – Life: $95,000.00–$197,000.00. The expected starting salary range for Consultant, Underwriting Rules – Life: $106,000.00–$158,000.00.
We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro‑rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company‑paid pension plan, business casual attire, and more. To learn more about the benefits we offer, click here.
Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law.
This position could be filled within any of the lower 48 U.S. states. Smoke‑Free Iowa Statement: Nationwide Mutual Insurance Company, its affiliates and subsidiaries comply with the Iowa Smokefree Air Act. Smoking is prohibited in all enclosed areas on or around company premises as well as company issued vehicles. The company offers designated smoking areas in which smoking is permitted at each individual location. The Act prohibits retaliation for reporting complaints or violations. For more information on the Iowa Smokefree Air Act, individuals may contact the Smokefree Air Act Helpline at 888‑944‑2247.
For NY residents please review the following state law information: Notice of Employee Rights, Protections, and Obligations LS740 (ny.gov) https://dol.ny.gov/system/files/documents/2022/02/ls740_1.pdf
NOTE TO EMPLOYMENT AGENCIES: We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means.
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This opportunity is available for fully remote work.
Job Description Summary Developing the underwriting strategy and ensuring it meets our risk appetite is essential to Nationwide's profitability and overall success. Our team utilizes our analysis and problem-solving skills to enable solutions that drive underwriting efficiency and streamlined approaches. If you are a creative problem solver, have strategic agility, and are an excellent communicator, we want to know more about you!
As a Consultant, you’ll play a pivotal role in shaping our underwriting processes by leveraging cutting‑edge technology and data‑driven insights. Your expertise in rules engine development will drive efficiency, accuracy, and innovation within our underwriting function.
Key Responsibilities Rules Engine Development
Collaborates with cross‑functional teams to design, develop, and enhance underwriting rules engines.
Translates complex underwriting guidelines into logical rules.
Implements and maintains rules‑based decision‑making systems to automate routine underwriting tasks.
Continuously optimizes rules engines to improve risk assessment and streamline processes.
Data‑Driven Decision Making
Analyzes historical data, emerging trends, and market insights to inform rules engine design.
Integrates external data sources (such as medical databases, credit scores, and behavioral data) into the rules framework.
Ensures rules align with regulatory requirements and company policies.
Risk Assessment and Pricing
Evaluates life insurance applications based on risk factors, medical history, and lifestyle.
Collaborates with actuaries to determine appropriate pricing and risk classification.
Utilizes rules engines to assess mortality risk accurately and efficiently.
Process Optimization
Identifies bottlenecks and inefficiencies in the underwriting process.
Proposes enhancements to streamline workflows using rules‑based automation.
Monitors performance metrics and adjusts rules as needed.
Collaboration and Training
Works closely with underwriters, IT teams, and business stakeholders.
Provides training and guidance on rules engine usage to underwriters.
Fosters a culture of continuous learning and innovation.
Quality Assurance
Conducts regular audits to ensure rules engine accuracy and consistency.
Investigates discrepancies and addresses any issues promptly.
May perform other responsibilities as assigned.
Reporting Relationships Reports to Manager or Director.
Typical Skills and Experiences Education Bachelor’s degree in computer science, Mathematics, Statistics, or related field.
Experience 5+ years of experience in developing and managing automated underwriting rules engines for life insurance preferred.
License/Certification/Designation Industry certifications such as FLMI (Fellow, Life Management Institute) or ALU (Associate, Life Management Institute) preferred, but not required.
Knowledge, Abilities and Skills
Strong knowledge of underwriting principles and practices.
Proficiency in rules engine platforms (e.g., Drools, Blaze Advisor, or similar).
Strong programming skills (Java, Python, or other relevant languages).
Familiarity with data modeling and database management.
Ability to interpret complex data and translate it into actionable rules.
Understanding of insurance regulations and compliance requirements.
Excellent communication skills and a team‑oriented approach.
Other criteria, including leadership skills, competencies and experiences may take precedence.
Staffing exceptions to the above must be approved by the hiring manager’s leader and Human Resource Business Partner.
Values Regularly and consistently demonstrates the Nationwide Values.
Job Conditions Overtime Eligibility Not eligible (Exempt).
Working Conditions Normal office environment.
ADA The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.
We currently anticipate accepting applications until 12/05/2025. However, we encourage early submissions, as the posting may close sooner if a strong candidate slate is identified before the deadline.
The national salary range for Consultant, Underwriting Rules – Life: $95,000.00–$197,000.00. The expected starting salary range for Consultant, Underwriting Rules – Life: $106,000.00–$158,000.00.
We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro‑rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company‑paid pension plan, business casual attire, and more. To learn more about the benefits we offer, click here.
Nationwide is an equal opportunity employer. We celebrate diversity and are committed to creating an inclusive culture where everyone feels challenged, appreciated, respected and engaged. Nationwide prohibits discrimination and harassment and affords equal employment opportunities to employees and applicants without regard to any characteristic (or classification) protected by applicable law.
This position could be filled within any of the lower 48 U.S. states. Smoke‑Free Iowa Statement: Nationwide Mutual Insurance Company, its affiliates and subsidiaries comply with the Iowa Smokefree Air Act. Smoking is prohibited in all enclosed areas on or around company premises as well as company issued vehicles. The company offers designated smoking areas in which smoking is permitted at each individual location. The Act prohibits retaliation for reporting complaints or violations. For more information on the Iowa Smokefree Air Act, individuals may contact the Smokefree Air Act Helpline at 888‑944‑2247.
For NY residents please review the following state law information: Notice of Employee Rights, Protections, and Obligations LS740 (ny.gov) https://dol.ny.gov/system/files/documents/2022/02/ls740_1.pdf
NOTE TO EMPLOYMENT AGENCIES: We value the partnerships we have built with our preferred vendors. Nationwide does not accept unsolicited resumes from employment agencies. All resumes submitted by employment agencies directly to any Nationwide employee or hiring manager in any form without a signed Nationwide Client Services Agreement on file and search engagement for that position will be deemed unsolicited in nature. No fee will be paid in the event the candidate is subsequently hired as a result of the referral or through other means.
#J-18808-Ljbffr