About the roleAdjudicate and completely document the suitability and best interest of annuity sales, transfers, replacements, or exchanges according to Symetra's suitability guidelines. As needed, communicate and collaborate with financial professionals, their customers, distribution partners, and internal key stakeholders such as Law, Compliance, Sales, and New Business.
What you will do- Review new annuity sales, transfers, replacements, and exchanges to determine whether transactions meet Symetra's suitability and best interest standards, ensuring recommendations align with customer needs, objectives, and financial circumstances.
- Analyze application and suitability documentation submitted by financial professionals and distribution partners, assessing customer profiles, investment objectives, risk tolerance, liquidity needs, and product appropriateness.
- Conduct thorough evaluations and make independent suitability determinations, documenting findings and decisions in accordance with company policies, regulatory requirements, and best interest guidelines.
- Collaborate directly with financial professionals to obtain additional information, clarify documentation, and resolve questions necessary to complete suitability and best interest reviews.
- Interview applicants when necessary to validate information, confirm understanding of product features, and assess whether recommendations are appropriate for the customer's financial situation.
- Identify transactions that require additional scrutiny and escalating complex, high-risk, or exception cases to senior reviewers or management for further evaluation.
- Partner with New Business, Sales, Compliance, and Operations teams to ensure timely and accurate processing of suitability reviews while maintaining a positive customer and advisor experience.
- Contribute to process improvement initiatives by identifying opportunities to enhance efficiency, strengthen controls, improve customer outcomes, and support ongoing regulatory compliance efforts.
- Maintain detailed and accurate records of reviews, decisions, and supporting documentation to ensure audit readiness and adherence to internal and external requirements.
Who You Are- You are an analytical thinker with the ability to evaluate complex financial situations, identify potential risks, and make sound, well-documented decisions.
- You have a strong understanding of insurance and retirement products, suitability requirements, and best interest standards, with a commitment to protecting customers and maintaining regulatory compliance.
- You are highly detail-oriented and able to review large amounts of information accurately while managing multiple priorities and deadlines.
- You are a skilled communicator who can effectively engage with financial professionals, customers, and internal partners to gather information, explain decisions, and resolve issues professionally.
- You demonstrate integrity, sound judgment, and ethical decision-making, consistently balancing customer interests, regulatory requirements, and business objectives.
Nice to Haves- Bachelor's degree in business, Finance, Insurance, Risk Management, or a related field, or equivalent combination of education and experience.
- 5-8 years of experience in suitability review, insurance operations, annuity new business, compliance, risk management, financial services, or related functions.
- Working knowledge of suitability and best interest regulations, insurance industry standards, and retirement products.
- FINRA licenses and/or insurance-related certifications are preferred or willingness to obtain as required.
- Experience reviewing annuity transactions, replacements, exchanges, and transfer activity within a regulated financial services environment.
- Demonstrated ability to independently assess risk, make complex decisions, and exercise sound judgment while operating with a high degree of accuracy and accountability.
What we offer youBenefits and PerksWe don't take a "one-size-fits-all" approach when it comes to our employees. Our programs are designed to make your life better both at work and at home.
- Flexible full-time or hybrid telecommuting arrangements
- Plan for your future with our 401(k) plan and take advantage of immediate vesting and company matching up to 6%
- Paid time away including vacation and sick time, flex days and ten paid holidays
- Give back to your community and double your impact through our company matching
- Want more details? Check out our Symetra Benefits Overview
CompensationSalary Range: $32.80 - $54.64/hourly plus eligibility for annual bonus program
Please review Symetra's Remote Network Minimum Requirements:As a remote-first organization committed to providing a positive experience for both employees and customers, Symetra has the following standards for employees' internet connection:
- Minimum Internet Speed: 100 Mbps download and 20 Mbps upload, in alignment with the FCC's definition of "broadband."
- Internet Type: Fiber, Cable (e.g., Comcast, Spectrum), or DSL.
- Not Permissible: Satellite (e.g., Starlink), cellular broadband (hotspot or otherwise), any other wireless technology, or wired dial-up.
When applying to jobs at Symetra you'll be asked to test your internet speed and confirm that your internet connection meets or exceeds Symetra's standard as outlined above.
Identity Verification Symetra is committed to fair and secure hiring practices. For all roles, candidates will be required (after the initial phone screen) to be on video for all interviews. Symetra will take affirmative steps at key points in the process to verify that a candidate is not seeking employment fraudulently, e.g. through use of a false identity.
Failure to comply with verification procedures may result in:
- Disqualification from the recruitment process
- Withdrawal of a job offer
- Termination of employment and other criminal and/or civil remedies, if fraud is discovered
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