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.
