Insurance Expert - Fully Remote

About the Role

Mercor is partnering with a leading AI lab to train frontier models on high-quality insurance reasoning data. We're hiring Reinsurance and Program Business Specialists to design realistic risk-transfer and delegated-authority scenarios, evaluate model outputs against established market standards, and help shape how the next generation of AI reasons about treaty structures, facultative placements, MGAs, fronting, and alternative risk arrangements.

We welcome professionals from reinsurers, cedents, reinsurance brokers, MGAs, MGUs, program administrators, fronting carriers, captive managers, and Lloyd's market participants.

• Design realistic scenarios involving treaty and facultative reinsurance, attachment and exhaustion, cessions, recoverables, bordereaux, delegated authority, program governance, fronting, captives, and risk participation
• Create work products such as structure comparisons, submission analyses, contract summaries, program reviews, counter party assessments, and risk-transfer recommendations
• Write "golden" reference responses at experienced reinsurance and program-business quality
• Grade AI-generated responses against structured rubrics for structural accuracy, contract logic, financial understanding, stakeholder roles, and market realism
• Identify misunderstandings of layers, limits, retentions, commissions, claims control, collateral, counter party exposure, and carrier-MGA responsibilities
• Provide written feedback the research team uses to improve model behavior
• Participate in onboarding office hours and calibration sessions

• Have 2+ years of professional experience in reinsurance, program business, delegated authority, fronting, captive insurance, or alternative risk transfer
• Understand at least one of the following: treaty reinsurance, facultative reinsurance, MGA/MGU programs, Lloyd's arrangements, captives, or fronted programs
• Can identify the economic and operational responsibilities of cedents, reinsurers, brokers, MGAs, fronting carriers, and insureds
• Understand how contract structure changes risk transfer, earnings, collateral, claims handling, and reporting
• Demonstrate excellent written reasoning, commercial judgment, and high attention to detail
• Can distinguish reinsurance decisions from direct underwriting and ordinary claim adjudication

• CPCU, ARe, ARM, ACAS, FCAS, or comparable designation
• Both ceded and assumed reinsurance experience
• Reinsurance broking, treaty wording, recoverables, or claims experience
• Program audit, delegated-authority, or bordereaux-management experience
• Captive, large-deductible, retrospective-rating, or risk-sharing experience

• Minimum 20 hours per week (ideally 40+)
• Role starts immediately, applications reviewed on a rolling basis