Senior Consultant, Underwriting, Claims & Risk Management

Senior Consultant, Underwriting, Claims & Risk Management  Toronto, ON, CA
About Us
Let us introduce ourselves. With 300+ employees across Canada, ivari is a company that’s making a difference in the world of life insurance. How? By finding and hiring employees who are passionate about helping people protect their families, and by giving them the best, most supportive workplace possible.
ivari is part of Sagicor Financial Corporation, a leading financial services provider with over 185 years of history operating across the Caribbean, US, and Canada. We offer a wide range of products and services, including life and health insurance, annuities, pension administration and investment services.
At ivari, everyone is welcome! It is our mission to attract, develop, and retain a workforce that is as diverse as the customers we serve and the communities in which we do business. We offer an inclusive and accessible work environment where all employees and customers feel valued, respected, and supported.
Here’s the job opportunity…
This position is a new vacancy
As our Senior Consultant, Underwriting, Claims & Risk Management, you will play a key role in ensuring the fair, timely, consistent and compliant underwriting and adjudication of complex life, disability and critical illness applications and claims. As a trusted technical advisor, you will partner with distribution teams, internal stakeholders and external parties to provide expert guidance on complex applications and claims, contestability investigations, escalated advisor concerns and regulatory matters.

Your expertise will help protect the organization from financial, legal, regulatory and reputational risk.
In this senior-level role, you will bring specialized technical review and adjudication expertise to complex life, disability and critical illness matters. You will also serve as a key resource for advisors, MGAs and business partners, helping resolve escalated concerns, respond to technical inquiries and strengthen regulatory, compliance and governance oversight.
What you will do…
Assess complex and escalated life, critical illness and disability applications and claims to ensure consistency.
Provide technical guidance on underwriting decisions, claims investigations, reinsurance referrals and advisor inquiries on a timely basis with a consistent approach to decisions.
Review contestable and complex claims involving alleged non-disclosure, misrepresentation, or fraud.
Conduct underwriting reviews of claim investigations and provide expert technical opinion identifying and escalating potentially fraudulent claims.
Investigate and recommend claim payment, denial or policy rescissions based on evidence.
Support audit, compliance and regulatory reviews while strengthening governance standards and controls.
Analyze underwriting and claims trends to identify emerging risks and improve business and customer outcomes.
Build strong relationships with advisors, MGAs and business partners by clearly communicating decisions and providing education and support.
Participate in audit, compliance and regulatory reviews, and support the development of governance standards and controls.
Contribute to enterprise risk management initiatives by identifying quality issues, trends and opportunities for improvement.
Analyze underwriting and claims data to identify emerging mortality, morbidity and operational risks.
Support predictive analytics to produce meaningful insights that support business decision making.
Participate in innovation projects and pilot initiatives that improve risk selection, operational performance and customer outcomes.
What we are looking for…
Minimum 5 years’ experience underwriting life insurance policies at a senior level is required
Additionally…