Multiplier

Benefits Solutions Lead - US & NAMER

Multiplier • $120K — $145K *
Finance & Insurance
5 - 7 years of experience
Job Overview by Ladders

Qualifications

  • Active US Life, Accident & Health insurance producer license in good standing, with additional licenses preferred.
  • 7+ years in US employee benefits related to broker, consultant, carrier or benefits administration roles.
  • Direct experience with top-tier US brokerages like Marsh McLennan, Gallagher, and Aon, detailing particular account and deal experiences.
  • Hands-on experience in managing placements with major US health carriers, including UnitedHealthcare and Cigna.
  • Proven track record in HSA, FSA, HRA, COBRA, and commuter benefits management.
  • Complete ownership of renewal cycles, including rate negotiation and employee communications.
  • Strong knowledge of US compliance regulations such as ACA, ERISA, and HIPAA.

Responsibilities

  • Act as Multiplier's licensed producer/co-broker for US markets, ensuring compliance and regional licensing.
  • Design and procure benefit plans for various insurance categories including medical, dental, and life insurance.
  • Manage relationships with national carriers and negotiate quoting cycles and renewal terms.
  • Oversee vendor selection and management for ancillary benefits such as HSA and FSA.
  • Control the entire renewal process, including marketing and open enrollment logistics.
  • Collaborate with Product/Engineering to build and improve the benefits administration platform.
  • Ensure compliance with regulations like ACA and ERISA, conducting necessary filings and assessments.
  • Support Sales and Partnerships with client interactions and RFP responses.

Benefits

  • Opportunities for career advancement in a growing company.
  • Flexible work arrangements to foster work-life balance.
  • Access to industry-leading health and retirement plans.
  • Continuous learning and professional development resources.
  • A collaborative environment promoting creativity and innovation.
Full Job Description
About Job Multiplier is moving its US benefits offering up the value ladder - from a referral/pass-through model to licensed co-broker and eventually broker of record - while launching a native benefits administration platform for US Global Payroll and EOR clients. We need a licensed US benefits practitioner who has sat on the broker or carrier side, can own plan procurement, quoting, placement and renewals, and can stand in front of a US client or carrier as Multiplier's benefits authority.

Skills & Qualification

  • Active US Life, Accident & Health insurance producer licence (resident state licence, in good standing, verifiable via NIPR/NAIC). Non-resident licences in additional states, or willingness to obtain them within 60 days, required.
  • 7+ years in US employee benefits in a broker, consultant, carrier or benefits-administration capacity (not HR-generalist benefits admin only).
  • Direct working experience with top-tier US brokerages - as an employee of, or as a counterpart to, firms such as Marsh McLennan / Mercer, HUB International, Gallagher, Aon, WTW, Alliant, NFP, USI, Brown & Brown, OneDigital. Must be able to name accounts, deal sizes and the nature of the relationship.
  • Hands-on placement and management experience with top US health carriers - e.g. UnitedHealthcare, Aetna/CVS, Cigna, Elevance/Anthem BCBS, Kaiser Permanente, Humana, plus ancillary carriers (Guardian, MetLife, Principal, Unum, Sun Life, Lincoln).
  • Demonstrated ownership of HSA, FSA, HRA, COBRA and commuter/transit benefits - design, vendor management and payroll integration (e.g. HealthEquity, WEX, Alight, Optum Financial, TASC, Edenred/Commuter Benefit Solutions).
  • Full renewal cycle ownership - marketing a census, negotiating rates, and running open enrolment for multi-state US populations.
  • US compliance fluency - ACA reporting, ERISA, COBRA, HIPAA, Section 125 and state-specific mandates.
  • Experience at or selling into a PEO / EOR / Global Payroll provider, and familiarity with benefits for small, distributed multi-state employer groups.
  • Experience standing up a new brokerage entity or BoR model (appointments, commission agreements, E&O, carrier onboarding).
  • Canada benefits exposure (Manulife / Canada Life / Sun Life) for full NAMER coverage.
  • Comfort with data: census files, reconciliation, PEPM/commission modelling in spreadsheets.
  • Certifications: CEBS, GBA, PHR/SHRM-CP, RHU.
Responsibilities

  • Licensing & placement: act as Multiplier's licensed producer/co-broker of record for US business; support entity licensing, appointments and non-resident licensing across NAMER states.
  • Plan design & procurement: medical, dental, vision, life/AD&D, STD/LTD, voluntary; build and defend plan architecture for EOR and Global Payroll populations.
  • Carrier & broker management: own relationships and quoting cycles with national carriers and broker partners; negotiate rates, commission schedules and renewal terms.
  • Ancillary/pre-tax programmes: HSA, FSA (health/dependent care), HRA, COBRA and commuter/transit benefits - vendor selection, plan documents, funding and payroll mechanics.
  • Renewals: own the US renewal calendar end to end - census, marketing, rate negotiation, employee comms, open enrolment.
  • Platform: partner with Product/Engineering on the benefits admin build (census exchange, quoting workflow, carrier connections, enrolment, billing); serve as the US compliance and domain SME.
  • Compliance: ACA (1094/1095, ALE, affordability), ERISA, COBRA, HIPAA, Section 125, 5500 filings, state mandates.
  • Commercial: support Sales and Partnerships in client conversations, pricing (PEPM + commission), and RFP/RFI responses.
  • Benefits administration platform experience: Employee Navigator, bswift, Noyo, Ideon, Clasp, Alight, Sequoia.

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