Sr Benefits Specialist

Job Description

At Citizens, we put our colleagues at the center of everything we do. As a Senior Benefits Specialist, you will play a key role in the governance, optimization, compliance, and effectiveness of our health and well-being programs.

The ideal candidate is an experienced benefits professional who applies specialized knowledge to assess program effectiveness, interpret regulatory requirements, identify opportunities for improvement, and provide recommendations that influence program administration, colleague experience, and business outcomes.

Key Responsibilities

• Evaluate the effectiveness of health, welfare, retirement, and well-being programs using colleague feedback, participation trends, and program performance metrics, and recommend enhancements that improve the employee experience and support organziational objectives.
• Analyze complex benefits issues and determine appropriate resolutions through interpretation of plan provisions, policies, regulatory requirements, and operational considerations.
• Partner with stakeholders across Human Resources, Payroll, Finance, Legal, and external vendors to assess impacts of program changes and support implementation strategies.
• Lead initiatives and projects that improve benefits operations, governance, service delivery, operational effectiveness and program performance through process optimization, enhanced controls, and continuous improvement efforts.
• Interpret and apply federal and state benefits regulations, including ERISA, ACA, COBRA, HIPAA, IRS, DOL, and related requirements to ensure ongoing program compliance.
• Evaluate compliance risks and recommend actions, controls, and process enhancements to mitigate regulatory and operational exposure.
• Support audits, regulatory reporting, plan documentation reviews, and governance activities through analysis and subject matter expertise..
• Evaluate vendor performance, service quality, operational results, and participant experience, and recommend opportunities for improvement.
• Participate in vendor governance activities, implementation initiatives, and strategic reviews to support effective program delivery.
• Build and maintain strong relationships with business partners and vendors to address emerging needs, resolve complex issues, and support organizational priorities.
• Analyze benefits utilization, financial performance, colleague feedback, and industry benchmarks to identify risks, trends, and opportunities.
• Lead or contribute to projects that improve benefits operations, governance, and program performance.
• Provide guidance and consultation on complex benefits matters, helping stakeholders understand program provisions, requirements, and available options.
• Develop and review educational materials, communications, and engagement strategies that improve colleague understanding and utilization of benefits programs.
• Assess colleague feedback and participation trends to recommend enhancements that improve the overall employee experience.
• Partner with HR Communications, Shared Services, and program stakeholders to support effective benefits education and engagement strategies.
  Support initiatives that promote the physical, emotional, and financial well-being of colleagues.

Ideal Candidate Profile

• Deep passion for colleague health and well-being with a strong understanding of how benefits support holistic outcomes
• Excellent communication and stakeholder engagement skills, with the ability to influence at all levels of the organization
• Strong analytical mindset with the ability to interpret complex benefits and wellness data
• Demonstrated experience leveraging AI tools and intelligent platforms to improve efficiency and employee experience
• Proficiency with benefits administration platforms, HRIS systems, and data visualization tools

Qualifications

• Bachelor's degree in Human Resources, Business Administration, Finance, or a related field required
• Proven experience in health and welfare benefits administration
• Experience working with outsourced benefits vendors and HRIS platforms such as Oracle and UKG
• Strong technical knowledge of COBRA, ERISA, HIPAA, and ACA regulations
• Advanced proficiency in Excel and PowerPoint
• Excellent problem solving, organizational, and communication skills

Hours and Schedule:

• 40+ hours
• 4 days a week in office, 1 day remote

Pay Transparency

• The salary range for this position is $69,300-$115,000 per year, plus an opportunity to earn an annual discretionary bonus. Actual pay is based on various factors including but not limited to, the budget, work location, and relevant skills and experience. We offer competitive pay, comprehensive medical, dental and vision coverage, retirement benefits, maternity/paternity leave, flexible work arrangements, education reimbursement, wellness programs and more. Note, Citizens' paid time off policy exceeds the mandatory, paid sick or paid time-away policy of every local and state jurisdiction in the United States. For an overview of our benefits, visit .

Work Authorization:
This role is not eligible for new employer sponsored or current H-1 B visa holders. Applicants, including current OPT, L and other visa holders, must be authorized to work in the U.S. without the need for new employer sponsorship for themselves or their spouses now and in the future.

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About Us

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies (Citizens) provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability, perceived disability or history or record of a disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague's or a dependent's reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws. At Citizens, we are committed to fostering an inclusive culture that enables all colleagues to bring their best selves to work every day and everyone is expected to be treated with respect and professionalism. Employment decisions are based solely on merit, qualifications, performance and capability.

Equal Employment and Opportunity Employer

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Background Check

Any offer of employment is conditioned upon the candidate successfully passing a background check, which may include initial credit, motor vehicle record, public record, prior employment verification, and criminal background checks. Results of the background check are individually reviewed based upon legal requirements imposed by our regulators and with consideration of the nature and gravity of the background history and the job offered. Any offer of employment will include further information.