Full-Time
Senior Commercial Program Underwriter
Posted on 8/20/2026
AAA Club Alliance
Automotive membership and travel services
Compensation Overview
$136.9k - $182.4k/yr
No H1B Sponsorship
New Mexico, USA + 46 more
More locations: Washington, USA | Kansas, USA | Pennsylvania, USA | Oregon, USA | Delaware, USA | Iowa, USA | California, USA | Washington, DC, USA | Vermont, USA | Connecticut, USA | Texas, USA | Montana, USA | Florida, USA | New Hampshire, USA | Nevada, USA | South Carolina, USA | South Dakota, USA | Georgia, USA | Arizona, USA | Mississippi, USA | Tennessee, USA | Virginia, USA | Arkansas, USA | Minnesota, USA | Colorado, USA | Nebraska, USA | Rhode Island, USA | Utah, USA | Kentucky, USA | West Virginia, USA | New York, NY, USA | Maryland, USA | Wisconsin, USA | Maine, USA | Massachusetts, USA | North Carolina, USA | Oklahoma, USA | Missouri, USA | Ohio, USA | New Jersey, USA | Indiana, USA | Louisiana, USA | Michigan, USA | Illinois, USA | Alabama, USA | Idaho, USA
Remote
Remote anywhere in the United States except Hawaii and Alaska. Travel is required as needed for meetings.
Bachelor's
 Finance & Banking (1) |
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- A bachelor's degree in Business, Marketing, Finance, Economics, Data Analytics, or a related field, or an equivalent combination of education and experience, is required.
- At least 8 years of increasingly responsible commercial insurance, underwriting, or delegated authority/program management experience is required.
- Advanced knowledge of delegated authority oversight, governance, and commercial underwriting is required.
- Advanced financial analysis, portfolio management, and profitability-evaluation skills are required.
- A proven track record of leading cross-functional partners and influencing without direct authority is required.
- Strong due diligence, business-case development, and program-onboarding skills are required.
- Negotiation, communication, and presentation skills with internal and external partners are required.
- Advanced knowledge of regulatory and contractual requirements applicable to delegated authority programs is required.
- Applicants must have authorization to work indefinitely in the United States and must not require immigration support now or in the future.
- Lead assessment and development of new program opportunities and expansions into new markets or products presented by program administrators.
- Lead underwriting, operational, financial, and strategic due diligence and prepare recommendation and approval materials for internal review forums.
- Develop program business cases, appetite and pricing framing, revenue and loss projections, launch plans, and milestone schedules.
- Direct cross-functional onboarding and go-live readiness across Underwriting, Actuarial, Claims, Operations, Finance, Legal/Compliance, and Information Technology.
- Manage program implementation projects, including team coordination, resources, budgets, and timelines.
- Establish and maintain authority matrices, referral thresholds, and escalation/intervention frameworks for assigned programs.
- Lead governance meetings, committee cadence, and material-change reviews involving products, systems, ownership, and growth spikes.
- Ensure adherence to agreements and drive remediation of governance gaps.
- Maintain committee structure, reporting cadence, key risk indicators, and portfolio-level aggregation controls.
- Establish underwriting guidelines, appetite, class definitions, exclusions, and risk-selection standards delegated to program administrators.
- Set, monitor, and enforce delegated underwriting authority limits, referral thresholds, and breach management.
- Review and approve product structures, policy forms, endorsements, and material wording changes before use.
- Monitor underwriting quality, adherence, drift, and concentration risk; conduct performance reviews and corrective-action planning.
- Approve pricing methodologies, rating changes, discounts, and surcharges within authority and monitor adherence.
- Own profitability and performance management for assigned programs against targets and approved risk appetite.
- Develop performance action plans and monitor results; identify and address adverse trends.
- Lead monthly and quarterly performance and stewardship reviews with program administrators.
- Validate the completeness, accuracy, and timeliness of bordereaux and support profit-share calculation inputs.
- Monitor program administrator financial condition, credit exposure, and stress indicators in coordination with Finance.
- Serve as the primary carrier relationship owner and day-to-day contact for assigned program administrators.
- Lead business reviews, performance discussions, and coordination across internal functions.
- Act as the primary escalation contact and drive resolution of operational and performance issues.
- Manage relationship health, issue tracking, and follow-through on commitments.
- Ensure regulatory compliance of delegated activities, including outsourcing obligations and regulatory expectations.
- Draft, negotiate, maintain, and help enforce delegated authority agreements, addenda, and amendments in coordination with Legal.
- Oversee agency and sub-producer appointment, maintenance, and termination to ensure properly licensed and authorized parties.
- Advanced degrees are preferred.
- Relevant industry designations such as Chartered Property Casualty Underwriter, Associate in Underwriting, or Associate in Reinsurance are preferred.
- In-depth experience underwriting, developing, or managing programs in the sharing economy and mobility market across multiple segments.
- Experience assessing and structuring coverage for emerging or specialty risk areas, including limited loss history and evolving regulation.
- Experience supporting employee resource groups, mentoring employees, volunteering, or joining cross-functional projects.
- Willingness to travel as needed for divisional, team, and other in-person meetings.
AAA Club Alliance is a membership organization providing roadside assistance, automotive services, insurance, travel planning, financial products, and member discounts across its operating territory. It serves drivers, travelers, households, and businesses through digital channels, contact centers, local stores, car care locations, and affiliated service operations. The organization brings together several regional AAA clubs and trade names under a shared operating structure. Teams work across roadside service, automotive repair, insurance, travel, membership support, retail operations, financial services, technology, marketing, and corporate functions.
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