Sr. Medical Director

**Location:** Remote (U.S.) **Job Type:** Full-time, Exempt* Refine medical aspects of underwriting rules and requirements.* Support the effective use of digital medical evidence sources (e.g., EHR-derived summaries, lab data, APS, pharmacy data) in risk assessment.* Contribute medical input to automation and accelerated underwriting initiatives so they maintain appropriate protective value.* Contribute to the development and ongoing refinement of evidence‐based medical underwriting guideline**s**, manuals, and rules.* Assist in evaluating new lab tests, diagnostics, therapies, and clinical practices for their impact on mortality/morbidity and underwriting requirements.* Ensure medical guidelines and practices align with regulatory requirements, reinsurance treaties, and internal risk appetite.* Medical degree (MD or DO, or equivalent) required**.*** Licensed to practice medicine in at least one U.S. state (or ability to obtain licensure in a reasonable timeframe).* Board certification in Internal Medicine or Family Medicine preferred (not required).* Board certification or eligibility in Insurance Medicine is highly desirable but not required.* Minimum of 3 years of clinical experience post‐training; additional experience is welcomed.* Prior experience in life insurance, risk assessment, or managed care is a plus but not strictly required.* Demonstrated experience interpreting complex clinical information and making balanced, well‐reasoned decisions.* Comfort reviewing and synthesizing **medical records, EHR printouts, lab results, imaging reports, and specialist consultations**.* Familiarity with common medical coding and documentation conventions (e.g., ICD and CPT codes).* Willingness to work with underwriting systems, digital evidence sources, and rule-based tools (training provided as needed).* Exceptional written and verbal communication skills; able to translate complex medical concepts into clear guidance for underwriters and business partners.* Strong analytical and diagnostic skills; able to synthesize clinical data into concise, well‐supported recommendations.* Collaborative, low‐ego approach; proven ability to work effectively across multidisciplinary teams.* Demonstrated aptitude for teaching, mentoring, and building capabilities in others.* High integrity and commitment to ethical medical and underwriting practices.* Comfort operating in a changing environment, with openness to experimentation and continuous improvement.* Interprets insurability and rating of life insurance applicants. Provides written medical risk assessments and case consultations to Life Underwriters.* Provides morbidity risk assessments as needed for riders such as waiver of premium and Long Term Care (LTC). Interpret EKGs, stress tests and provides appropriate risk assessments. Provides medical skills to properly adjudicate LTC, disability and life insurance claims for Nationwide.* Provides formal and informal medical training and coaching to underwriters. Develops new content and/or updates curriculum for medical instruction for Underwriting and others as appropriate.* Identifies need and helps develop medical underwriting guidelines. Drives assessment of new laboratory tests and other medical technology from mortality prediction and cost benefit perspectives. Establishes Medical Department policies strategies.* Provides medical skills to properly adjudicate claims in employee, individual, group and workers’ compensations.* Provides physician counseling and advice in corporate health promotions.* Promotes advancement of insurance medicine with industry organizations. Represent Nationwide and Nationwide Financial at Insurance Industry events, including industry meetings and committees such as the American Council of Life Insurance, The American Academy of Insurance Medicine, the Medical Information Bureau and the Board of Insurance Medicine.We have an array of benefits to fit your needs, including: medical/dental/vision, life insurance, short and long term disability coverage, paid time off with newly hired associates receiving a minimum of 18 days paid time off each full calendar year pro-rated quarterly based on hire date, nine paid holidays, 8 hours of Lifetime paid time off, 8 hours of Unity Day paid time off, 401(k) with company match, company-paid pension plan, business casual attire, and more. To learn more about the benefits we offer,At Nationwide, we find purpose in protecting people, businesses and futures with extraordinary care – and we’ve been doing that since 1926. Our financial strength and caring culture extend beyond our associates into the communities we serve. You really can *feel* the difference at Nationwide, which is why we continue to be named one of the Fortune 100 Best Companies To Work For. Check out why others think we're , too, and let us know – #J-18808-Ljbffr