Consultant, Underwriting Rules

Job Conditions

Overtime Eligibility:
Not eligible (Exempt)

This role is fully remote.

This role does not qualify for employer-sponsored work authorization. Nationwide does not participate in the Stem OPT Extension program.

Working Conditions:

Normal office environment.

ADA:
The above statements cover what are generally believed to be principal and essential functions of this job. Specific circumstances may allow or require some people assigned to the job to perform a somewhat different combination of duties.

We currently anticipate accepting applications until 02/27/2026. However, we encourage early submissions, as the posting may close sooner if a strong candidate slate is identified before the deadline.

Developing the underwriting strategy and ensuring it meets our risk appetite is essential to Nationwide's profitability and overall success. Our team utilizes our analysis and problem‑solving skills to enable solutions that drive underwriting efficiency and streamlined approaches. If you are a creative problem solver, have strategic agility, and are an excellent communicator, we want to know more about you!

As a Consultant, you’ll play a pivotal role in shaping our underwriting processes by leveraging cutting‑edge technology and data‑driven insights. Your expertise in rules engine development will drive efficiency, accuracy, and innovation within our underwriting function.

• Collaborates with cross-functional teams to design, develop, and enhance underwriting rules engines.
• Translates complex underwriting guidelines into logical rules.
• Implements and maintains rules-based decision-making systems to automate routine underwriting tasks.
• Continuously optimises rules engines to improve risk assessment and streamline processes.

• Analyzes historical data, emerging trends, and market insights to inform rules engine design.
• Integrates external data sources (such as medical databases, credit scores, and behavioural data) into the rules framework.
• Ensures rules align with regulatory requirements and company policies.

• Evaluates life insurance applications based on risk factors, medical history, and lifestyle.
• Collaborates with actuaries to determine appropriate pricing and risk classification.
• Utilises rules engines to assess mortality risk accurately and efficiently.

• Identifies bottlenecks and inefficiencies in the underwriting process.
• Proposes enhancements to streamline workflows using rules-based automation.
• Monitors performance metrics and adjusts rules as needed.

• Works closely with underwriters, IT teams, and business stakeholders.
• Provides training and guidance on rules engine usage to underwriters.
• Fosters a culture of continuous learning and innovation.

• Conducts regular audits to ensure rules engine accuracy and consistency.
• Investigates discrepancies and addresses any issues promptly.

May perform other responsibilities as assigned.

Reports to Manager or Director.

Education: Bachelor’s degree in computer science, mathematics, statistics, or related field.

Experience: 5+ years of experience in developing and managing automated underwriting rules engines for life insurance preferred.

License/Certification/Designation: Industry certifications such as FLMI or ALU preferred, but not required.

Knowledge, Abilities and

Skills:

Strong knowledge of underwriting principles and practices. Proficiency in rules engine platforms (e.g., Drools, Blaze Advisor, or similar). Strong programming skills (Java, Python, or other relevant languages). Familiarity with data modelling and database management. Ability to interpret complex data and translate it into actionable rules. Understanding of insurance regulations and compliance requirements. Excellent communication skills and a team-oriented approach.

Other criteria, including leadership skills, competencies and experiences may take precedence.

Staffing exceptions to the above must be approved by the hiring manager’s leader and Human Resources Business Partner.