Senior Financial Benefit Consultant - Strategic Accounts - Remote (USA)

Senior Financial Benefit Consultant The Senior Financial Benefit Consultant is a senior‑level individual contributor responsible for leading financial strategy, underwriting analysis, and data‑driven consulting within this segment. Essential Duties and Responsibilities Financial Strategy, Underwriting & Analysis Develop and execute all financial analysis, including model creation, underwriting analysis, and reporting for complex clients. Build and maintain detailed financial models such as renewal projections, rate development, claims trend analysis, IBNR and reserve evaluation, and stop‑loss strategy. Analyze claims, utilization, and cost drivers to identify risks, inefficiencies, and cost containment opportunities. Model alternative funding arrangements (self‑funded, level‑funded, captives, other risk‑sharing strategies). Deliver client‑ready financial exhibits and reporting for renewals, stewardship meetings, and long‑term planning. Ensure accuracy, integrity, and consistency of all financial data and reporting. Client Consulting & Strategic Partnership Serve as the financial subject‑matter expert for assigned clients, advising on funding strategy, plan design, and cost management. Translate complex financial and underwriting concepts into clear, actionable insights for executive‑level audiences. Participate in and present during client meetings, including renewals, quarterly reviews, and strategic planning sessions. Align financial insights with broader consulting strategy to support client business objectives. Renewal & Carrier Strategy Lead financial components of the renewal process, including modeling, analysis, and rate validation. Partner with carriers and vendors to validate data, challenge assumptions, and improve financial outcomes. Support negotiation strategy through data‑driven insights and financial positioning. Model plan design and contribution strategies to support client decision‑making. Producer & Growth Partnership Partner with Producers and Consultants to support new business and organic growth opportunities. Develop financial models and projections to support sales strategy and solution design. Help articulate the financial value of proposed strategies in a compelling and client‑relevant way. Team Leadership & Integration Operate as a core leader within the client team, influencing strategy and execution without direct authority. Mentor and support Financial Analysts and junior team members as appropriate. Contribute to best practices, tools, and standardization across the financial consulting function. Hands‑On Execution Maintain direct ownership of core analytical work, including modeling, reporting, and underwriting. Operate effectively without reliance on a large support structure. Balance strategic consulting responsibilities with consistent execution of detailed, high‑quality work. Decision‑Making & Problem Solving Execute strong judgment in ambiguous, high‑stakes financial and client scenarios. Identify risks proactively and recommend strategic mitigation approaches. Lead resolution of financial discrepancies, reporting challenges, and data issues. Qualifications, Skills and Requirements Demonstrated expertise in underwriting, financial modeling, and healthcare cost analysis. Deep knowledge of self‑funded and alternative funding strategies. Proven experience supporting large, complex clients (3,000+ lives). Ability to independently build and own complex financial models and underwriting analysis. Strong skill translating complex data into strategic, executive‑level insights. Executive presence with the ability to engage and influence senior client stakeholders. Effective operation within a high‑performing, matrixed team environment. Strong business acumen and consultative mindset. Ability to manage multiple complex priorities with speed, accuracy, and accountability. Advanced proficiency in Excel and financial modeling tools. Education, Training and Experience 7+ years of experience in employee benefits financial consulting, underwriting, or actuarial‑related roles. Bachelor’s degree required (Finance, Mathematics, Economics, Actuarial Science, or related field preferred). Advanced Excel skills required; experience with analytics platforms preferred. Life & Health License required. Actuarial coursework or designations preferred (not required). Compensation and Benefits The typical base pay range for this role is $150,000 – $170,000. Pay is dependent on your skills, education, qualifications, and location. In addition to base pay, the role may qualify for variable compensation, commission, and/or annual bonus based on individual and company performance. Health, wellbeing, and retirement benefits. Paid time off and overtime pay for non‑exempt employees. Robust learning and development programs. Reimbursement of job‑related expenses per company policy. Employee perks and discounts. Equal Opportunity Employer (EEO) OneDigital is an equal‑opportunity employer that celebrates diversity, insists on equity and inclusion, and connects people. OneDigital provides equal employment opportunities to all employees and applicants for employment regardless of the following protected characteristics: veteran status, uniformed servicemember status, race, color, religion, sex, sexual orientation, gender identity, age (40 and over), pregnancy (including childbirth, lactation and related medical conditions), national origin or ancestry, citizenship or immigration status, physical or mental disability, genetic information (including testing and characteristics), or any other category protected by federal, state or local law. A copy of the Federal EEO poster is available upon request. #J-18808-Ljbffr Digital Insurance LLC