Our Individual Insurance Senior Underwriting Consultants, responsible for the risk management of our Underwriting and Claims operations, are integral to supporting our business growth strategy in the increasingly digital insurance-buying environment, where simple processes and quick decisions are table stakes. They help design and deliver risk-based monitoring, controls, reporting, and education programs that provide assurance to our Senior Leadership Team, Product Risk Management, and our reinsurers that our underwriting decisions appropriately manage mortality, morbidity, and financial risk and that our systems and processes are aligned to both company policy and regulatory requirements. They rely on their depth and breadth of underwriting experience, curious nature, drive for continuous learning and improvement, and enthusiasm for using data insights to continuously evolve how we manage risk. **Position Responsibilities:** **Risk Management** + Audit underwritten applications to ensure underwriting decisions, correspondence and processing were followed in accordance with established guidelines and policies + Audit underwriting tools, both internally-developed and vendor-supplied, to ensure decisions and output are within expected, pre-determined ranges + Monitor new business application and policy change trends for risk indicators and action identified concerns accordingly + Review potential nondisclosures for contract rescission and assist management with book of business reviews + Review contestable claims for potential misrepresentation during underwriting + Provide underwriting subject matter expertise on cases in litigation + Assist in the oversight of underwriting operational controls to ensure that internal processes are compliant with all Risk, Legal, Regulatory and Privacy requirements + Support management with underwriting risk assessments and recommendations on new product or business initiatives **Leadership & teamwork** + Lead and/or support risk management programs as assigned + Recommend training opportunities for staff based on audit learnings + Provide mentorship to more junior colleagues and serve as a subject matter expert for management + Coordinate and support management with internal audits + Liaise with Sales, Compliance, Legal as needed with respect to advisor monitoring and trending + Build and maintain strong relationships across IIC, Operations, Group Risk, and with other stakeholders such as reinsurers **Reporting & Analysis** + Provide input on and monitor Underwriting and Claims key risk indicators (KRIs) and risk management program key performance indicators (KPIs) + Analyze audit, claims, rescission, underwriting, and application trends to recommend changes to philosophy, procedures, education program, systems/tools and development of new controls + Prepare formal reports for senior leaders and external reinsurance partners **Continuous Improvement** + Support management with department education planning and delivery + Assist management with research projects pertaining to risk assessment and our internal underwriting manual development + Partner with Advanced Analytics, our internal reporting team members, and other key stakeholders to continually enhance our risk management programs and controls using data-driven insights and methodologies **Required Qualifications:** + 7 or more years of underwriting experience working at high approval limits + Strong knowledge of Manulife’s Individual Insurance business/products and operations across underwriting, new business, policy service, and claims + Intermediate or higher experience with MS Office suite including Excel, PowerBI and PowerPoint, with a desire and ability to develop advanced skills + Curiosity combined with strong analytical skills; ability to define, research and resolve problems + Demonstrated ability to prioritize and work independently under deadlines + Growth mindset with ability to be flexible and exercise judgment in a changing environment + Strong organizational, communication and interpersonal skills + Strong knowledge of medical science, technology and terminology and their impact on mortality and morbidity + Fully bilingual (French/English): The successful candidate will be required to communicate in English and French in order to support clients from various jurisdictions outside of Quebec. **When you join our team:** + We’ll empower you to learn and grow the career you want. + We’ll recognize and support you in a flexible environment where well-being and inclusion are more than just words. + As part of our global team, we’ll support you in shaping the future you want to see. **Acerca de Manulife y John Hancock** Manulife Financial Corporation es un importante proveedor internacional de servicios financieros que ayuda a las personas a tomar decisiones de una manera más fácil y a vivir mejor. Para obtener más información acerca de nosotros, visite http://www.manulife.com . **Manulife es un empleador que ofrece igualdad de oportunidades** En Manulife/John Hancock, valoramos nuestra diversidad. Nos esforzamos por atraer, formar y retener una fuerza laboral tan diversa como los clientes a los que prestamos servicios, y para fomentar un entorno laboral inclusivo en el que se aprovechen las fortalezas de las culturas y las personas. Estamos comprometidos con la equidad en las contrataciones, la retención de talento, el ascenso y la remuneración, y administramos todas nuestras prácticas y programas sin discriminación por motivos de raza, ascendencia, lugar de origen, color, origen étnico, ciudadanía, religión o creencias religiosas, credo, sexo (incluyendo el embarazo y las afecciones relacionadas con este), orientación sexual, características genéticas, condición de veterano, identidad de género, expresión de género, edad, estado civil, estatus familiar, discapacidad, o cualquier otro aspecto protegido por la ley vigente. Nuestra prioridad es eliminar las barreras para garantizar la igualdad de acceso al empleo. Un representante de Recursos Humanos trabajará con los solicitantes que requieran una adaptación razonable durante el proceso de solicitud. Toda la información que se haya compartido durante el proceso de solicitud de adaptación se almacenará y utilizará de manera congruente con las leyes y las políticas de Manulife/John Hancock correspondientes. Para solicitar una adaptación razonable en el proceso de solicitud, envíenos un mensaje a recruitment@manulife.com . **Referenced Salary Location** Canadá, Remoto a tiempo completo **Modalidades de Trabajo** Remoto **Salary range is expected to be between** $64,575.00 CAD - $107,625.00 CAD Si se está postulando para este puesto fuera de la ubicación principal, póngase en contacto con recruitment@manulife.com para conocer el rango salarial de su ubicación. El salario real variará según las condiciones locales del mercado, la geografía y los factores relacionados con el trabajo pertinentes, como conocimiento, habilidades, calificaciones, experiencia y educación/capacitación. Los empleados también tienen la oportunidad de participar en programas de incentivos y obtener una compensación de incentivos vinculada al desempeño comercial e individual. Manulife ofrece a los empleados aptos una amplia variedad de beneficios personalizables, entre ellos, beneficios de salud, odontológicos, de salud mental, oftalmológicos, por discapacidad a corto y a largo plazo, cobertura de seguro de vida y por muerte accidental y desmembramiento, adopción/subrogación y bienestar, y planes de asistencia al empleado/familiar. También ofrecemos a los empleados admisibles varios planes de ahorro para la jubilación (incluidos planes de pensiones y un plan mundial de propiedad de acciones con contribuciones equivalentes del empleador) y recursos de asesoramiento y educación financiera. Nuestro generoso programa de tiempo libre remunerado en Canadá incluye feriados, vacaciones, días personales y días por enfermedad, y ofrecemos la gama completa de ausencia laboral reglamentaria. Si se está postulando para este puesto en los EE. UU., póngase en contacto con recruitment@manulife.com para obtener más información sobre las disposiciones relativas al tiempo libre remunerado específicas de EE. UU.