Deputy Chief Underwriting Officer – Underwriting Excellence

MSIG USA continues to grow!

Company Overview:

MSIG USA is the US-based subsidiary of MS&AD Insurance Group Holdings, Inc., one of the world’s top P&C carriers and a global Class 15 insurer, with A+ ratings and a reach that spans 40+ countries and regions. Leveraging our 350-year heritage, MSIG USA brings the financial strength, expertise, and global footprint to offer commercial insurance solutions that address your business’s unique risks.

Summary / Job Purpose:

The Deputy CUO, Underwriting Excellence is the senior enterprise leader responsible for strengthening underwriting discipline, technical quality and consistency across the organization. This role establishes the underwriting operating framework that enables profitable growth while ensuring that risk appetite, standards, authorities and quality expectations are translated consistently into underwriting practice.

Essential Functions:

• Lead enterprise underwriting standards, policies, guidelines and technical governance.

• Own underwriting authority, referral, exception and escalation frameworks, in partnership with the CUO and business underwriting leaders.

• Lead implementation of enterprise risk appetite into practical underwriting standards and controls.

• Provide executive leadership to Underwriting Quality & Assurance, including thematic reviews, quality trends, root-cause analysis, remediation and continuous improvement.

• Create a closed-loop process in which quality findings inform underwriting standards, authorities, training, product governance and business action.

• Lead underwriting education, technical capability development and sharing of best practices across the underwriting community.

• Partner with product leaders on new-product and material-product-change governance from an underwriting standards, authority and controls perspective.

• Establish minimum delegated underwriting standards and control requirements, including authority expectations and underwriting-quality requirements, while portfolio ownership and commercial performance of delegated business sit with the Deputy CUO, Portfolio Strategy & Management.

• Chair or support enterprise underwriting governance forums and ensure clear escalation and remediation tracking.

• Partner closely with Actuarial, Reinsurance, Risk Engineering, Legal/Compliance, the Deputy CUO, Portfolio Strategy & Management, the MSIG international CUO and senior leadership to convert enterprise insights into underwriting action.

Qualifications: To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodation may be made to enable individuals with disabilities to perform the essential functions.

Education and Experience Required:

• Bachelor’s degree in business, finance, risk management, insurance, or a related field.
• 15+ years of progressive specialty or Commercial P&C underwriting experience, including significant enterprise or senior leadership responsibility.
• Broad technical underwriting credibility across specialty or Commercial P&C products, with the judgment to operate across multiple products and business units.
• Demonstrated experience establishing and leading enterprise underwriting standards, authority frameworks, technical governance, quality assurance, and related technical underwriting functions.
• Experience translating enterprise risk appetite into practical underwriting guidelines, authorities, controls, referral processes, and escalation protocols.
• Strong understanding of underwriting quality, portfolio learning, root-cause analysis, remediation, and continuous improvement.
• Experience leading enterprise-wide underwriting initiatives, organizational change, and technical underwriting, governance, or quality-assurance teams.
• Proven ability to partner across Actuarial, Reinsurance, Risk Engineering, and product leadership; constructively challenge senior leaders; and balance enterprise consistency with business and P&L accountability.
• Strong executive communication, influence, decision-making, and change-leadership skills.

Salary: The base pay range is $275,000.00 - $360,000.00 per year. Salary determinations are based on various factors, including but not limited to, relevant work experience, skills, certifications and location.

Additional Benefits:

Healthcare and Retirement Benefits

Comprehensive medical, dental, and vision coverage

401(k) with a generous employer match and profit-sharing contribution

Wellness incentive program

Life and accidental death and dismemberment (AD&D) insurance

Flexible spending programs

Short-term and long-term disability plans

Additional Benefit Programs

Paid time off program

Paid charitable leave

Paid parental leave

Tuition reimbursement program

Personal insurance (auto/homeowners) discounts

It's an exciting time for our company and a great opportunity to join a financially sound and growing global insurance group!

It is the policy of MSIG USA to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. In addition, MSIG USA will provide reasonable accommodations for qualified individuals with disabilities.