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

Employee Benefits is the core of our business and at our heart we are a people-focused organization. Every day, we help over 100,000 employers give their employees peace of mind by providing health, pharmacy, long and short-term disability, vision, dental and other insurance solutions. What makes us unique is that we can surround our clients with more services and more technology-based tools and a team of advisors that simply cares more than anyone else.If you want a career giving people the reassurance that they can have access to the health care they need for themselves and their loved ones, join OneDigital.Our Newest Opportunity: 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. This role operates as a core member of a high-performing, cross-functional client team, partnering closely with Producers, Managing Consultants, Senior Benefit Consultants, and Account Management to deliver a seamless and strategic client experience.While this is a senior consulting role, it remains highly hands-on. The Senior Financial Benefit Consultant is expected to directly own and produce complex financial analysis, underwriting, and reporting deliverables—not solely delegate or review the work of others.You will join a team of high-performing peers who operate with urgency, alignment, and accountability—running fast and tight together to deliver consistent, high-impact outcomes. This role requires a proven track record supporting large, complex clients and is not designed as a developmental opportunity. Success in this position requires the ability to operate independently, think strategically, and execute with precision from day one.Essential Duties and Responsibilities (include but are not limited to):Financial Strategy, Underwriting & AnalysisThis role is responsible for both the development and execution of all financial analysis.Personally develop and produce financial models, underwriting analysis, and reporting for complex clientsLead financial strategy while owning the underlying analysis, assumptions, and outputsBuild and maintain detailed financial models, including:Renewal projections and rate developmentClaims trend analysis and forecastingIBNR and reserve evaluationStop-loss strategy and optimizationAnalyze claims, utilization, and cost drivers to identify risks, inefficiencies, and cost containment opportunitiesEvaluate and model alternative funding arrangements (self-funded, level-funded, captives, and other risk-sharing strategies)Develop and deliver client-ready financial exhibits and reporting for renewals, stewardship meetings, and long-term planningEnsure accuracy, integrity, and consistency of all financial data and reportingClient Consulting & Strategic PartnershipServe as the financial subject matter expert for assigned clients, advising on funding strategy, plan design, and cost managementTranslate complex financial and underwriting concepts into clear, actionable insights for executive-level audiencesParticipate in and present during client meetings, including renewals, quarterly reviews, and strategic planning sessionsAlign financial insights with broader consulting strategy to support client business objectivesRenewal & Carrier StrategyLead financial components of the renewal process, including modeling, analysis, and rate validationPartner with carriers and vendors to validate data, challenge assumptions, and improve financial outcomesSupport negotiation strategy through data-driven insights and financial positioningModel plan design and contribution strategies to support client decision-makingProducer & Growth PartnershipPartner with Producers and Consultants to support new business and organic growth opportunitiesParticipate in prospect meetings where financial expertise is requiredDevelop financial models and projections to support sales strategy and solution designHelp articulate the financial value of proposed strategies in a compelling and client-relevant wayTeam Leadership & IntegrationOperate as a core leader within the client team, influencing strategy and execution without direct authorityPartner closely with Senior Account Managers and Consultants to ensure alignment between financial strategy and service deliveryContribute to a high-performance team environment, operating with speed, accountability, and precisionMentor and support Financial Analysts and junior team members as appropriateContribute to best practices, tools, and standardization across the financial consulting functionHands-On Execution ExpectationsMaintain direct ownership of core analytical work, including modeling, reporting, and underwritingOperate effectively without reliance on a large support structure; able to independently build, analyze, and deliver financial outputsBalance strategic consulting responsibilities with consistent execution of detailed, high-quality workStep in as needed to ensure delivery, regardless of level or taskDecision-Making & Problem SolvingExercise strong judgment in ambiguous, high-stakes financial and client scenariosIdentify risks proactively and recommend strategic mitigation approachesLead resolution of financial discrepancies, reporting challenges, and data issuesQualifications, Skills and Requirements:Demonstrated expertise in underwriting, financial modeling, and healthcare cost analysisDeep knowledge of self-funded and alternative funding strategiesProven experience supporting large, complex clients (3,000+ lives)Demonstrated ability to independently build and own complex financial models and underwriting analysis (not solely review or oversee)Strong ability to translate complex data into strategic, executive-level insightsExecutive presence with the ability to engage and influence senior client stakeholdersAbility to operate effectively within a high-performing, matrixed team environmentStrong business acumen and consultative mindsetAbility to manage multiple complex priorities with speed, accuracy, and accountabilityAdvanced proficiency in Excel and financial modeling toolsEducation, Training and Experience:7+ years of experience in employee benefits financial consulting, underwriting, or actuarial-related rolesProven track record supporting enterprise or jumbo group clientsBachelor’s degree required (Finance, Mathematics, Economics, Actuarial Science, or related field preferred)Advanced Excel skills required; experience with analytics platforms preferredLife & Health License requiredActuarial coursework or designations preferred (not required)The typical base pay range for this role is $150,000 - $170,000Your base pay is dependent upon your skills, education, qualifications, professional experience, and location. In addition to base pay, some roles are eligible for variable compensation, commission, and/or annual bonus based on your individual performance and/or the company’s performance. We also offer eligible employees health, wellbeing, retirement, and other financial benefits, paid time off, overtime pay for non-exempt employees, and robust learning and development programs. You will receive reimbursement of job-related expenses per the company policy and may receive employee perks and discounts.To learn more, visit: www.onedigital.com/careersOneDigital is an equal opportunity employer. Not only as a matter of standard, but to honor and celebrate our differences. We believe that the power of ONE starts with you. We are committed to cultivating and preserving a culture that celebrates diversity, insists on equity and inclusion, and connects us. Ensuring our people feel seen, valued, respected, and supported is fundamental to our core values and business goals.OneDigital provides equal employment opportunities to all employees and applicants for employment regardless of their: 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 (collectively, “protected characteristics”). A copy of the Federal EEO poster is linked here.Pursuant to local Fair Chance Ordinances, we will consider qualified applications with arrest or conviction records for employment. For applicable candidates, the following ordinances are linked here to inform you of your rights as an applicant:City and County of San FrancsicoCity of Los AngelesCounty of Los AngelesEmployment decisions shall comply with all other applicable federal, state and city/county laws prohibiting discrimination in employment. OneDigital complies with all criminal history inquiry [or ‘ban the box’] laws in California, Connecticut, Colorado, Hawaii, Illinois, Maine, Maryland, Massachusetts, Minnesota, New Jersey, New Mexico, Oregon, Rhode Island, Vermont and Washington.In short, we believe in hiring the most qualified applicant for the position, regardless of background.If you have questions about our hiring policies and practices, we would be happy to discuss upon receiving your application. We hope to welcome you to OneDigital and look forward to hearing from you.OneDigital understands the immense responsibility and opportunities provided by Artificial Intelligence. We utilize advanced Artificial Intelligence [AI] technologies to enhance our recruitment process. This includes using AI to filter candidates based on their qualifications and to rediscover potential candidates from our existing applicant pool. Our AI systems help us efficiently identify the best fit for our open positions, ensuring a streamlined and effective hiring experience. However, AI does not replace the humans in our process. If you have concerns about our use of AI, you may opt out where laws allow.Thank you for your interest in joining the OneDigital team!