Zenith Insurance Company (United States)

Underwriter

• Oversees underwriting operations of the branch/office and any remotely located individual(s) that report into that office/branch
• Executes disciplined risk consideration and assumption within a growth mindset
• Engage with and position our underwriting discipline and value proposition to external customers (agents and policyholders) to enable growth
• Works with Branch Manager to set strategic underwriting direction
• Holds management meetings to discuss vision and goals
• Achieves planned results through decisions and actions based on professional methods, business principles, and practical experience
• Creates an environment within the branch offices that supports collaboration, teamwork, growth and innovation
• Uses operational audits and yearly compliance audits to gauge performance of branch and individuals
• Provides feedback to branch management staff
• Conducts annual performance reviews for direct reports.

VP of Underwriting

Claims Specialist

• Responsible for assisting in the development and monitoring of claim policy, standards, procedures and strategy in their assigned branch offices.
• Responsible for building a team relationship between assigned offices and corporate claims.
• Assists the branch offices with technical guidance on losses.
• Acts as liaison between the branch offices and Corporate Claims by monitoring and supporting claim policies and procedures.
• Provides input/recommendations when corporate claim policies or procedures are formulated or changed.
• Analyzes the exposure of cases, commits the case with senior management and makes recommendations for future handling action plans.
• Participates in claim reviews of branch offices by the Corporate Claims Department.
• Ensures that detailed action plans are formulated by branch offices that address any opportunities for improvements outlined in the claim reviews.
• Coordinates and represents the Company at policyholder claim reviews at major insureds according to senior management direction.
• Prepares case updates analyzing exposures and providing recommendations.

Regional Claims Analyst

• Investigate, analyze, and determine the extent of company's liability concerning Claims and attempt to effect settlement with claimants.
• Correspond with or interview medical specialists, agents, witnesses, or claimants to compile information.
• Calculate benefit payments and approve payment of Claims within a certain monetary limit.
• Responsible for Claims management of assigned case load within guidelines of published performance standards.
• Opens new Claims, completes three-point contact, and performs needed investigations to determine compensability as well as possible subrogation or apportionment, according to state and/or Zenith’s timeframes and guidelines.
• Sets appropriate reserves according to Zenith’s timeframes and guidelines.
• Creates and executes action plans needed to bring case to closure.
• Completes detailed settlement evaluations and recommends appropriate settlement value, within authority; negotiates claim settlements with injured workers and/or injured workers’ attorneys.

Senior Workers' Comp Claims Specialist

• Strengthen underwriting quality standards in Field Offices through interaction with underwriters on individual accounts and structured group training.
• Establish strong working relationships with Zenith's Field Underwriting, Marketing, Actuarial, Communications and Safety & Health departments to enhance and improve communication, elevate and explore concepts, to strengthen our operations.
• Serve as a subject matter expert in policy systems and a business lead in development of reports and resources to continue to enhance our capabilities and processes.
• Support various Corporate Underwriting projects that strategically assist Field Underwriting execution.
• Partner with Underwriting Managers on issues central to underwriting execution, including staff development, underwriting appetite and pricing strategy.
• Involved in project management roles with Actuarial team regarding state forms and product filings.
• Work across departments to help solve organizational data and information delivery issues.
• Build cross regional relationships to enhance communications, share processes, elevate and explore concepts, and facilitate the strengthening of our operations.
• Engage with other departments to define problems, collect data, establish facts and draw valid conclusions to standardize approach to analysis and enhance execution.
• Apply principles of logical thinking to define problems, collect data, establish facts and draw valid conclusions.
• Works productively and harmoniously with others on a consistent basis.
• Respond positively to direction and feedback on performance.

Director of Large Accounts Underwriting

Systems Engineer

• Analyze business needs and opportunities on complex business problems to drill into what is needed and why.
• Ensure that the business and system requirements clearly describe the business need and the system capabilities required to fulfill the business need.
• Document business and system requirements that describe the business need and what the system needs to do.
• Demonstrate creativity and flexibility in the identification of options for addressing complex business problems.
• Partners with business areas across delivery teams to ensure that new business requirements support and will improve their business.
• Utilize all aspects of established methods and techniques used to complete business and system requirements analysis.
• Perform data analysis investigation by querying application data using inner joins, outer joins and basic aggregations.
• Create mock ups for early validation with the customer, incorporating user experience.
• Validate that design fulfills the business needs.
• Work productively and harmoniously with others on a consistent basis.

Senior IT Business Systems Analyst

Analyst

• Reviews Workers’ Compensation medical bills to ensure accurate and appropriate payment recommendations, according to State Fee schedules, guidelines and PPO Network pricing
• Approves, modifies, and/or denies bills in accordance with state mandates and/or department guidelines
• Reviews and interprets supporting documentation attached to medical billings, including review of claim information, to determine appropriate reimbursement
• Audits and certifies potential duplicate bills and determines previous status of processing through close review and search of medical bills in the bill review system
• Confirms and applies utilization review determinations as part of medical bill reviews when applicable
• Determines and forwards bills to the MAT team that may be eligible for provider negotiations based on evaluation of billed services, pricing, and payment guidelines
• Manages a bill processing assignment, which includes initial billing submissions
• Tracks issues and trends
• Occasionally processes bills requiring a secondary review, such as those submitted through the formal reconsideration process
• Participates and completes required training to enhance proficiency in bill review and processing
• Communicates any system, bill review, billing anomaly and procedural issues to departmental supervisor
• Meets established production and quality goals
• Responds positively to direction and feedback on performance
• Works productively and harmoniously with others on a consistent basis
• Performs other job related duties as assigned

Bill Review Analyst

Marketing

• Responsible for developing and managing the distribution force for an assigned territory.
• This includes agency prospecting, appointments, relationship management, and termination if necessary.
• Trains agents on Zenith as a market including our underwriting appetite, capabilities, advantages, products and services.
• Works with agents to shape the flow of submissions to ensure acceptable hit ratios and an efficient relationship.
• Leads the sales process on new and renewal business working collaboratively with underwriting and other departments.
• Supports the company's pricing and selection disciplines.
• Actively seeks opportunities for profitable growth and a better customer experience.
• Monitors the competition.
• Builds and broadens relationships between Zenith and our agents and policyholders.

Senior Territory Marketing Manager

• Utilize established methods and techniques to complete business and system requirements analysis
• Analyze business needs and opportunities on business problems to drill into what is needed and why
• Ensure that business and system requirements clearly describe the business need and system capabilities required
• Provide options and recommended solutions to business problems
• Document business and system requirements that describe the business need and what the system needs to do
• Create/Update functional user documentation that explains new functionality being released
• Analyze and validate where application data is stored by performing basic query on own
• Interpret business needs to assist with the development of basic functional design
• Create simplistic mockups
• Create detailed communications, documents and presentations
• Apply principles of logical thinking to define problems, collect data, establish facts, and draw valid conclusions
• Work productively and harmoniously with others on a consistent basis
• Respond positively to direction and feedback on performance
• Consistently maintain professional and appropriate demeanor
• Perform other duties/projects as assigned.

IT Business Systems Analyst II

Attorney

• Handles workers’ compensation cases under the state administrative process (trial level), as well as state and federal courts.
• Defends workers' compensation cases.
• Takes depositions, analyzes testimony, prepares and files related reports.
• Represents the Company in appearances at hearings and conferences; prepares and files related reports.
• Researches and prepares and files appropriate legal pleadings for cases under the state administrative process (trial level), as well as state and federal civil courts.
• Provides advice, training and recommendations on case handling strategies to representatives of the Claims Department.
• Performs legal research at all levels, from advising clients through the appellate procedures.
• Apply principles of logical thinking to define problems, collect data, establish facts and draw valid conclusions.
• Responds positively to direction and critique of performance.
• Consistently maintain professional and appropriate demeanor.

Trial Attorney

Backend Engineer

• Develops, tests, debugs, maintains and documents information systems applications.
• Performs code walk-throughs, reviews and audits.
• Executes complete life cycle for simple to moderately complex application components based on design specifications.
• Apply principles of logical thinking to define problems, collect data, establish facts, and draw valid conclusions.
• Work productively and harmoniously with others on a consistent basis.
• Respond positively to direction and feedback on performance.
• Consistently maintain professional and appropriate demeanor.
• Perform other duties/projects as assigned.

Java Full Stack Developer

Auditor

• Responsible for clinical review and analysis and appropriate adjustment of billing as needed based on Workers Compensation fee schedules and guidelines or other jurisdictional pricing applications.
• Uses independent judgment to negotiate and communicate with medical providers to obtain the best outcome.
• Assists management in identifying areas of opportunity based on current medical billing environments.
• Provides written and verbal interpretation of reviews if a contested case goes to trial.
• Partners with effective interaction with claims and claims legal.
• Analyzes and audits medical bills from multiple states in order to verify, adjust, or recommend payment in accordance with state fee schedules, coding guidelines, healthcare regulations and medical compliance.
• Monitors billing for trends.
• Communicates with providers regarding disputed claims and payments.
• Ensures an ongoing working relationship with providers.
• Advises Legal department on fee schedule guidelines, billing rules and medical compliance/standards.
• Consults Legal on bill reimbursement and state appeals.
• Evaluates and negotiates high dollar bills that have the potential for significant savings and/or reconcile outstanding provider balances to mutual satisfaction.
• Represents the company at the state level when involved with workshops, state appeals, hearing disputes, and legislative hearings.
• Provides resources to Bill Review analysts and management for special projects, training, and reports.
• Advocate a collaborative working relationship with claims and advise on particular bills or payment strategies.
• Maintains clear and active license in state(s) employed
• Pursues continuing education to maintain licensure active status, in technical areas related to Workers' Compensation injuries, illnesses and bill auditing.
• Possesses or pursues additional professional designations such as coding certifications from AHIMA/AAPC/CMAS.
• Maintains strong written and verbal communication and negotiation skills.
• Works productively and harmoniously with others on a consistent basis.
• Responds positively to direction and feedback on performance.
• Consistently maintain professional and appropriate demeanor.

Nurse – Medical Bill Auditor

• Solicit, underwrite, and price business consistent with the Company's Underwriting Philosophy
• Serve as technical resource for underwriting team on Commercial underwriting guidelines, policy forms and endorsements, state regulations and rules, and policy rating process
• Provide regional expertise on large and complex accounts
• Leads training courses for support and professional positions
• Manages an assigned book of Agencies including assisting in development and management of agency business plan; maintaining pricing discipline regardless of market pressure
• Operates with increased independence, such as taking a lead role in development of agency business plans
• Expected to be regarded as a Commercial expert by assigned agencies
• Coordinates account activity across departments for assigned book
• Acts as lead resource on any technical issue and SME for branch staff and agents
• Develops relationships with agents & brokers through telephone interactions and performs external marketing activities (Agency calls, Agency meetings, Point of Sale meetings, etc.) clearly articulating and selling the Zenith difference as needed
• Attends industry events as an advocate for Zenith's product and service
• Responsible for proactively developing, growing, and maintaining strong agency relationships
• Manages significant volume of large and complex commercial ag accounts in a fast-paced environment
• Independently negotiates and secures facultative reinsurance on accounts with property exposures exceeding Zenith's reinsurance treaty
• Independently negotiates and secures Equipment Breakdown reinsurance on accounts that exceed Zenith's in-house letter of authority
• Expected to provide general guidance and direction to support personnel and underwriting staff
• Acts as a mentor for new employees
• Takes a lead role in analysis or projects involving underwriting
• Acts as a national expert on specific subject or provide support to Corporate in the expansion of the underwriting guide or systems development or testing.
• Work requires independence within assigned Letter of Authority; however, it is expected that one will seek guidance on any unusual or complex exposures, problems, or issues
• May be responsible for QARs on other's work
• Manages schedule balancing field time with in-office commitments and work autonomously
• Proactively markets and educates agents on our products
• Conducts formal training sessions for agents
• Evaluates current procedures and practices, developing and implementing new and alternate methods when appropriate
• Responsible for gathering competitive intelligence, making coverage and service recommendations that improve agency and customer engagement
• Applies principles of logical thinking to define problems, collect data, establish facts, and draw valid conclusions
• Works productively and harmoniously with others on a consistent basis
• Responds positively to direction and feedback on performance
• Consistently maintains professional and appropriate demeanor
• Performs other duties/projects as assigned

Commercial P&C Underwriting Specialist

Vice President

• Act as the business owner for the Northeast.
• Lead by ensuring the Company’s mission, strategy and plans are executed, communicated, and understood.
• Directly manages territory Marketing staff.
• Promotes engagement between Marketing and Underwriting, and the engagement of both within the marketplace.
• Align Underwriting, Marketing, and service capabilities with a strategic direction consistent with the corporate organization.
• Develop thoughtful and effective agency management strategies in keeping with Zenith’s approach.
• Build and maintain strong relationships with key stakeholders including corporate functional leaders, agency principals and community business partners.
• Champion an environment that promotes a focus on quality, continuous improvement, best practices, and operational excellence.
• Motivate, develop, and mentor regional leaders by demonstrating behaviors consistent with Zenith’s Success Profile factors.

Vice President, Regional Officer

• Serve as a subject matter expert in policy systems and a business lead in development of reports and resources
• Acts as a point of escalation/referral on complex underwriting decisions
• Support various Corporate Underwriting projects that assist Field Underwriting execution
• Partner with Underwriting Managers on issues central to underwriting execution
• Work across departments to solve organizational data and information delivery issues
• Build cross regional relationships to enhance communications and processes
• Engage with other departments to define problems, collect data, and standardize approach to enhance execution
• May be involved in project management roles with Actuarial team regarding state forms and product filings

Corporate Underwriting Executive

Manager

• Responsible for developing and managing the distribution force for an assigned territory
• This includes agency prospecting, appointments, relationship management, and termination if necessary
• Trains agents on Zenith as a market including our underwriting appetite, capabilities, advantages, products and services
• Works with agents to shape the flow of submissions to ensure acceptable hit ratios and an efficient relationship
• Leads the sales process on new and renewal business working collaboratively with underwriting and other departments
• Supports the company's pricing and selection disciplines
• Actively seeks opportunities for profitable growth and a better customer experience
• Monitors the competition
• Builds and broadens relationships between Zenith and our agents and policyholders.