Senior Associate, Morbidity Underwriting Risk & Quality Solutions (Remote, any s

Job Requisition ID: 93989 Location Designation: Fully Remote Role OverviewThe 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 ReviewPerform 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 outcomesIdentify decision inconsistencies, guideline deviations, training opportunities and areas of elevated risk Trend Analysis & Insight GenerationOwn 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 & RecommendationsDrive 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 & InfluenceCollaborate with Morbidity Underwriting Managers, Product, and Underwriting Modernization teams to translate insights into actionable improvementsProvide 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 SupportServe as a subject matter expert in morbidity underwriting quality and best practicesEnsure adherence to underwriting guidelines, regulatory requirements, and internal standards Support governance routines by providing clear, data-driven insights into underwriting performance and qualityWhat You’ll Bring:Required Qualifications5–10+ 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 QualificationsExperience in underwriting quality control, audit, or second-line review functions Experience supporting underwriting automation, models, or rules enginesExperience 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 MeasuresImproved 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 - REMOTEPay TransparencySalary 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 inn