We currently have an opportunity for an Industry Filing Analyst to join our Corporate Legal team based in our Plymouth, MN office or remote within the United States. Gathers data and prepares timely Property & Casualty state filings using documented procedures and forms. Coordinates answers to questions from state agencies regarding filings and works with underwriters to resolve issues. Researches and stays familiar with state filing laws for designated areas. Some of the Industry Filing Analyst responsibilities include but are not limited to:

Prepares and submits filings of basic to moderate complexity for new and revised programs, non-standard forms, manual pages, and rule and rate deviations to various state insurance departments. Gathers data from all necessary resources. Consults regulations and current codes and procedures to complete documentations and articulate procedures.
Receives all calls regarding the assigned filings. Coordinates and submits all responses to insurance department questions by obtaining necessary information from underwriting, actuarial, law, and technical services. Works with underwriters to resolve issues with regulators.
Reviews insurance circular and bulletin summaries as compiled by the more senior regulatory staff to determine filing requirements for assigned area(s).
Maintains current knowledge and records of files, fees, notice requirements, and approval procedures for state filing requirements.
Researches filings for products and provides advice to underwriters on when filings may be used
The expertise you bring

Associate’s degree with 1-3 years of general P&C experience;
Progress towards industry professional designation preferred;

Company Overview:
Clear Spring Property and Casualty Group (CSPCG) is comprised of four insurance carriers (Clear Spring Property and Casualty Company, Clear Spring Casualty Insurance Company, Clear Spring American Insurance Company, and Clear Spring National Insurance Company), each rated A- (Excellent) by A.M. Best. CSPCG assists companies in protecting themselves from today’s challenges through technology and innovation. CSPCG provides worker’s compensation, general liability, and other coverages through strong agency relationships.
Clear Spring Property and Casualty Group is a subsidiary of Delaware Life Insurance Company and its parent company, Group 1001, a collective that empowers companies to create positive growth. Everything Group 1001 does is designed to help individuals and communities thrive. Our insurance and annuities make financial products easy to understand and accessible to all. Our online investing platform gives individuals control over their savings and their futures. Our technology and innovation help companies succeed. And our strategic partnerships bring people together through education and sports. Because we all have the power to grow better. Clear Spring’s risk management solutions evolve with market needs, while traditional insurance companies struggle to keep up. Our data-driven approach and mastery of emerging technologies provide a deeper connection with customers by developing smarter, more adaptive ways to interact that address the needs of brokers and their policyholders.
We’re confident that you’ll love partnering with us.
Group 1001, and its affiliated companies, is strongly committed to providing a supportive work environment where employee differences are valued. Diversity is an essential ingredient in making Group 1001 a welcoming place to work and is fundamental in building a high-performance team. Diversity embodies all the differences that make us unique individuals. All employees share the responsibility for maintaining a workplace culture of dignity, respect, understanding and appreciation of individual and group differences.
Summary:
The Senior Compliance Consultant provides support to the Clear Spring Property and Casualty Group companies to help meet the various state and federal compliance requirements. They are a key resource for the business to help get product filed and approved with the states and bureaus, keep up to date with changes to laws, regulations, bulletins, circulars and monitor compliance with them, oversee producer compliance, program compliance, and other projects as required.
Responsibilities:
• Develops filing strategy for new products, programs, and changes to existing ones to meet business deliverables and helps submit filings in System for Electronic Form Filings (SERFF).
• Reviews, analyzes, and monitors compliance with state, federal, and bureau requirements and changes to them in compliance with required effective dates.
• Research single and multi-state compliance requirements to facilitate compliance or respond to specific issues.
• Leads complex compliance projects and works with business colleagues to set timelines of key projects and ensures the project deadlines as well as any statutory / regulatory deadlines are met.
• Handles company compliance requirements for producers, including the contracting, appointment and termination process.
• Provides guidance and acts as liaison between company and regulatory personnel on market conduct exams and other regulatory audits including Bureau audits.
• Leads development and adherence to all policies and procedures to facilitate compliance needs of the business.
• Coaches and helps train team and business partners in best practices for regulatory compliance.
• Acts as a liaison to state, federal and bureau representatives.
• Oversee company Anti-Fraud compliance and liaison with vendor.
• Drafts state specific form language to countrywide forms to comply with state laws and regulations.
Qualifications:
• Bachelor’s degree preferred.
• 5 + years of Property & Casualty commercial lines compliance experience, particularly in a senior role.
• An additional insurance-related certification, such as CPCU, MCM, AIE, CIE preferred
• Must exhibit expertise in industry trends, state regulations, and compliance processes.
• Must promote and exemplify appropriate and effective decision-making.
• Promotes and exemplifies a culture of collaboration, including stakeholders at various levels and in various departments.
• Effective prioritization and organization.
• Ability to drive key projects to completion.
• Experience using SERFF
• Experience using StateFilings.com, Filing Ramp, or similar platform.
• Ability to use legal research tools.

Skills:
• Commercial Lines Product knowledge especially in Workers’ Compensation.
• Excellent communication skills and ability to work with both internal business partners and external regulators.
• Project Management.
• Computer and Web based skills. Working knowledge of MS Office 365 applications including Outlook, Teams, SharePoint, Word, PowerPoint and Excel.
• Organization skills – Ability to handle multiple priorities.
• Knowledge of P&C Insurance Company Operations, Functions, and Organization Structure.

• Monitors, reviews, and analyzes regulatory changes, bulletins, and statistical reporting published by various legislative bodies, Departments of Insurance, Rating Bureaus, NCCI, and ISO, and prepares formal communications to the impacted business units.
• Conducts and leads compliance-related research and prepares detailed summaries related to regulatory changes and new product offerings.
• Prepares and independently files responses to service of process and consumer complaints.
• Coordinates and independently submits state regulatory and product-related filings, and data calls.
• Serves as a liaison to the Department of Insurance, Division of Workers’ Compensation, Department of Financial Services, Secretary of State, and third-party administrators on compliance and state filing-related matters.
• Oversees and ensures the accuracy of the SharePoint compliance databases, trackers, and state filing status reports.
• Participates in ad hoc system testing and policy audits as directed.
• Independently gathers and prepares exhibits related to regulatory investigations.
• Maintains, develops, and delivers compliance training content and programs.
• Leads compliance audits, reviews standard procedures, and prepares formal recommendations.
• Manages company licenses, including the submission of new licenses.
• Assists with contract preparation and review.

What part will you play? If you’re looking for a place where you can make a meaningful difference, you’ve found it. The work we do at Markel gives people the confidence to move forward and seize opportunities, and you’ll find your fit amongst our global community of optimists and problem-solvers. We’re always pushing each other to go further because we believe that when we realize our potential, we can help others reach theirs.

Join us and play your part in something special!
We are seeking an experienced highly organized, detail-oriented individual to join the Regulatory Compliance team as a Senior Regulatory Compliance Analyst. This role supports the organization’s mission of maintaining regulatory compliance within the specialty insurance policy life cycle for admitted and non-admitted markets.

Job Summary
What you’ll be doing:
– Monitoring, analyzing, and evaluating all state insurance laws, regulations, and bulletins, and forming any needed action plans to ensure the organization’s legal compliance
– Reviewing and drafting policy forms, endorsements, notices and all related legal correspondence for adherence to state insurance laws and regulations
– Coordinating and submitting insurance rate, rule, form, and other regulatory filings to state insurance department using SERFF and Florida IRFS, researching and analyzing objections, and negotiating approval of those filings
– Regulatory liaison activities for internal and external partners
– Identifying and evaluating alternatives to achieve and maintain compliance while meeting business goals
– Participating in product development
– Managing market conduct exams, and partner and other audit activities
– Collaborating with external legal counsel as needed
– Handling larger and more complex filings and other projects
– Building and maintaining solid relationships with all levels of internal and external business partners, and regulators
– Providing guidance and coaching to others related to regulatory compliance
– Providing back up and assistance to manager and team members

Provide compliance support, particularly annuity suitability reviews and analysis, statutory reporting, audits and other regulatory compliance work.

RESPONSIBILITIES:
• Use of sound and consistent judgment to perform annuity suitability reviews with thorough analysis of information presented and accurate application of state laws, company policies and procedures for annuity sales
• Utilize FAST and other company computerized systems to correctly track, document, and troubleshoot annuity suitability reviews
• Assist in resolution of suitability issues that may arise
• Identify suspicious suitability trends, patterns or practices identified during suitability reviews and taking appropriate action to impact behavior, including escalation with explanation of findings and recommendations for addressing issues identified
• Keep abreast of laws and regulations for annuity sales and changes to them as well as company processes and procedures for annuity products
• Participate in cross training support as needed
• Respond in a timely manner to suitability and other compliance related inquiries with appropriate discretion for information disclosed based on the audience
• Perform any other compliance duties as requested

COMPETENCIES:

Drive – Displays motivation, is proactive and resourceful in daily work. Persists to complete responsibilities, even in the face of difficulties, is optimistic and tenacious throughout.

Collaboration – Able to actively listen to others and build relationships and trust, effectively handle conflict and interact with tact and respect. Articulates ideas and concerns so others are able to understand and is sensitive to others and is able to adapt to different types of individuals.
Able to cooperate and collaborate with colleagues to achieve shared goals and encourages others and seeks out opportunities to collaborate across the business.

Adaptable – Willingly adapts to constantly changing circumstances while maintaining perspective. Engaging in continuous learning, adjusting the application of knowledge, skills and abilities while addressing new challenges. Accepts constructive feedback.

Responsible – Follows through on commitments; clearly defines mutual expectations of selves & others. Responds to demands of job by accepting responsibility for assignments, shows initiative and takes timely and appropriate actions to meet needs.

Execution – Thinks critically and has the best interests of the company, colleagues, and customers in mind when approaching situations. Anticipates obstacles and assesses situation to determine best possible solution. Demonstrates an ability to get essential information and exercises sound judgments about alternatives. Knows both technical and practical aspects of the job and continually updates skills and knowledge.

Cover Genius is a Series E insurtech that protects the global customers of the world’s largest digital companies including Booking Holdings, owner of Priceline, Kayak and Booking.com, Intuit, Uber, Hopper, Ryanair, Turkish Airlines, Descartes ShipRush, Zip and SeatGeek. We’re also available at Amazon, Flipkart, eBay, Wayfair and SE Asia’s largest company, Shopee. Our partners integrate with XCover, our award-winning insurance distribution platform, to embed protection for millions of customers worldwide each year.

Our team and products have been recognized with dozens of awards including by the Financial Times which ranked Cover Genius as the #1 fastest-growing company in APAC in 2020. Our diverse team across 20+ countries and many language groups commit itself to diverse cultural programs, in particular “CG Gives” which makes social entrepreneurs out of us all and funds development initiatives in global communities.

Our People are
Bold, Authentic, Purposeful and Inspired

Our People are not
Perfect, Traditional, Complacent or Cautious

As a Legal Counsel on our Legal team, you will support the company’s growing business and provide support as we scale.

As a team member of an innovative insurance intermediary involved in transactions across the globe, the Legal Counsel will work cross functionally with the insurance, marketing, compliance, and product teams to apply their expertise and practical advice.

To drive success in this role, you will be a fully qualified lawyer in the US. This is a remote friendly position, and can be based anywhere in the US.

Key Responsibilities:
Draft, review, and negotiate a wide range of complex commercial agreements, including agency agreements, insurance partnership agreements, reinsurance agreements, and non disclosure agreements that support and enable our global business operations.
Review and approve content relating to insurance policies, including advertising panels and press releases.
Provide product-related regulatory compliance support, including legal advice with respect to developments that could impact variable products.
Manage company litigation. Perform other duties as assigned by management.

Skills and Experience:
6+ years of experience with a JD
Fully qualified lawyer in the United States.
Experience negotiating agency agreements with insurance underwriters and reviewing and approving insurance related content.
Proven establishment of effective relationships with business partners and peers to understand their business drivers and strategic priorities.
Sound business judgment and adaptability to manage multiple wide-ranging matters and conflicting deadlines.

Proficiencies and Attributes:
A people person with excellent verbal and written communication skills
Able to work in a fast paced workplace/company, complying with short internal SLAs
Able to multitask and prioritize work

Why Cover Genius?
Cover Genius not only cares about being the best in our industry, we care about our team. We’re a business that understands life can be fluid and so we flex to ensure we provide the environment to suit that. What does that mean?

• Flexible PTO. Taking time out is important for our teams to enjoy life and stay fresh.
• Employee Stock Options – we want our people to share in our success, we reward them with ownership for their contribution in creating a world-class company.
• Work with like-minded people who are passionate about both the work we’re doing and giving back. Our CG Gives programs enables us to all become philanthropists through our peer recognition and rewards system.
• Social Initiatives – pictures speak a thousand words!

Sound interesting? If you think you have the best composition of the above, send us your resume and let’s chat!

* Cover Genius promotes diversity and inclusivity. We don’t tolerate discrimination, demeaning treatment of anyone, or harassment due to race, national origin, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other legally protected status.

Essential Duties & Responsibilities
• Assist with final review of 3.0 language, roll out and maintenance of Producer Performance Standards.
• Secure, integrate and maintain National Insurance Producer Registry (NIPR).
• Validate all producer and agency licenses in real time.
• Act as point for OFAC Producer Screening issues.
• Responsible for communication to producers on EASi or correspondence (elimination of Gross Receipts).
• Responsible for monitoring and communicating any producer law changes.
• Field questions from AIPSO Insurance Operations (AIO) as a subject matter expert.
• Update Plan Services on agent law changes and upgrade Producer Performance Standards.
• Monitor Producer Performance Standards for efficiency gains and current trends.
• Proactively develop a plan to address premium diversion.
• Centralize and standardize the collection of Producer data.
• Review Producer Complaints for interstate issues and coordinate efforts with internal SIU and Legal & Compliance
Services staff

The Insurance Compliance Specialist ensures that Accelerant and Members of the Accelerant Group comply with state governance, reporting standards, regulations, laws, and legal regulatory standards, procedures, and policies. This individual will assist with regulatory risk management reporting required by state departments of insurance and ensure that business practices and new Member programs conform with insurance statutory and regulatory obligations. The ideal candidate is responsible for ensuring business practices and programs adhere to Accelerant’s compliance reporting requirements.

The Vermont Department of Financial Regulation is looking for a Director of Policy. This position is integral to the development and implementation of Department policy and legislative objectives. You’ll interface with the Legislature, the Governor’s Office, federal/state governmental entities, and external constituencies regarding the public policies of the Department. In consultation with the Commissioner and deputy commissioners, the Director Of Policy articulates the scope, direction, and priorities for major legislative projects and planning. In this role, you will recommend and coordinate decisions when it requires the agreement of other senior managers, other stakeholders, or legislative representatives both internally and externally.
The role is a hybrid role requiring a presence at the state house during the legislative session.

Work is performed under the direction of the Department’s Commissioner.

LifeShield National Insurance Co is seeking an experienced and motivated Director of Compliance to work from our office in Oklahoma City. As a member of our team, you will be primarily responsible for overseeing compliance within the organization, ensuring compliance with laws, regulatory requirements, and our related internal policies, and procedures.

The position will require reviewing standards and monitoring a framework and procedures to ensure that the compliance programs throughout the organization are effective and efficient in identifying, preventing, detecting, and correcting noncompliance with applicable laws and regulations as they evolve.

The Director of Compliance will report directly to the President and inform the Board about important issues and material violations.

Position Competencies

A successful candidate:

– will be responsible for assisting the organization in effectively and efficiently complying with laws and regulations.
– must possess the ability to identify and research statutory and regulatory requirements that may impact our business and to evaluate and summarize for communication to business units, any impact those will have on our business, and effectively communicate any actions necessary to comply with any such impact.
– must be competent at planning, organizing, and executing the day-to-day operational compliance activities, including complaints, DOI inquiries, state and product filings, licensing, marketing and advertising reviews, and be the liaison for both our legal department, as well as outside counsel.
– must be a champion for compliance and help develop and maintain an effective compliance framework for our growing business team.
– must work with the business teams and our leadership to reasonably and effectively remediate issues identified through both regulatory inquiries, complaints, litigation, and other external inputs, and will proactively develop and help to implement appropriate follow-up procedures to prevent any similar occurrences.
– must be proactive in identifying compliance requirements affecting our organization.
– must possess the skill to write, or supervise the drafting of, the necessary process documentation for the organization to reasonably comply with compliance requirements affecting our business.
– must be competent in performing evaluation and/or testing of the organization’s compliance with regulatory requirements, to identify deficiencies and to advise the business teams on reasonable strategies for effective resolution of such deficiencies.
– must be able to develop, maintain, and update an ongoing annual organization-wide compliance and governance risk assessment that provides a compliance report card to the organization’s senior leadership and Board.
– must be able to perform his or her role in a manner that balances regulatory requirements, risk mitigation, and business objectives.

 

LifeShield at a Glance:

With approximately $100 million in assets, LNIC and it’s two subsidiaries combine for a dynamic and rapidly growing insurer. Affiliated thru common ownership with The Midland Group family of companies, including MidFirst Bank, which specializes in banking and mortgage servicing. This affiliation allows LifeShield to leverage the resources of a much larger organization, while remaining nimble and responsive to opportunities, focusing on life and supplemental accident and health insurance products for individuals, families, businesses, and associations.

AM Best reaffirmed LifeShield’s rating of B++. Since 2001, LifeShield National Insurance Co. has held a rating of B++ by AM Best Company, a widely recognized independent insurance industry ratings firm. This is the fifth highest rating possible out of a total of 16. LNIC is headquartered in Oklahoma City, OK and services over 100,000 policyholders.