PEO Underwriting Trainee

About Niural

Niural is the AI-native global PEO for the modern workforce. Our mission is to give every growing company enterprise-grade payroll, benefits, and compliance without the enterprise overhead. Built from scratch rather than retrofitted onto legacy systems, Niural combines payroll, PEO/ASO, global EOR, benefits, and vendor payments into one intelligent platform. Powered by EMMA, our AI coworker that executes — not just advises — Niural runs payroll and compliance across 150+ countries with near-perfect accuracy.

Backed by a $52M Series A and $200M+ in annualized gross revenue on our PEO product alone, we're building the financial infrastructure that companies run their businesses on.

The PEO Benefits Underwriter Trainee is a structured, mentorship-driven entry point into group health underwriting within a PEO/master policy structure. You'll start by learning to review, validate, and prepare incoming group benefits submissions — census data, prior carrier documentation, plan designs, eligibility rules — and progress toward supporting risk assessment and pricing decisions under the guidance of senior underwriters.

This role sits at the front line of Niural's in-house underwriting engine, the same engine powering our newly launched AI-powered Benefits Selection and Enrollment Platform, which brought medical benefits underwriting in-house to eliminate third-party quoting delays and deliver more competitive pricing for our PEO clients. You'll work closely with our NYC-based sales, underwriting, and Ben Ops teams, gaining hands‑on exposure to every step of the underwriting workflow — from first submission to final rating.

• Collect and log incoming underwriting requests across new business, renewals, off-cycle changes, and census updates

• Review submissions for completeness, including census files, prior carrier invoices, renewal packets, plan designs, eligibility rules, SIC codes, and participation details

• Learn to triage submissions based on effective dates, complexity, and underwriting service level agreements (SLAs)

• Audit census data to identify missing fields, formatting inconsistencies, dependent mismatches, ZIP code anomalies, and eligibility flags

• Assist in validating prior carrier documentation such as rates, contribution structures, enrollment counts, and renewal methodologies

• Support risk assessment and pricing for new and renewing PEO groups under senior underwriter supervision

• Learn and apply core underwriting principles: rating factors, loss ratios, credibility, and risk pooling in a PEO/multiple‑employer welfare arrangement (MEWA) context

• Help clarify missing or unclear submission information with brokers or internal teams to prevent underwriting delays

• Support ACA compliance checks, affordability testing, and eligibility determinations in partnership with the compliance team

• Collaborate with Ben Ops and Implementation teams to ensure downstream processes receive clean, accurate, and complete data

• Maintain organized underwriting files and documentation in line with internal and carrier standards

• Participate in structured training on group health insurance fundamentals, PEO co‑employment models, and state‑specific regulatory requirements

• Shadow senior underwriters on renewal reviews, plan design conversations, and carrier negotiations.

• Ensure PHI and sensitive data are handled securely in alignment with HIPAA and internal compliance protocols

• Bachelor's degree in Finance, Computer Science, Mathematics, Statistics, or a related quantitative field

• 0‑2 years of professional experience — this role is well‑suited to recent graduates as well as early‑career candidates

• Strong attention to detail with a focus on data accuracy and quality

• Strong analytical skills and comfort working with numbers, spreadsheets, and large datasets such as employee census files

• Genuine interest in health insurance, employee benefits, or insurance risk — prior coursework, internship, or licensing (health & life) is a plus but not required

• Clear written and verbal communication skills — you'll be translating technical underwriting concepts for brokers and internal…