·         Recommends underwriting and claims policy for all Individual Health, Life and Accident business for the region / countries through the documentation and communication of assigned authority limits and underwriting and claims guidelines for all products and methods of distribution; underwrite business and process large claims which exceeds local authority;

·         Drive the implementation of the Regional automated rule engine across the International Markets to improve straight through processing rates, maintain lean operational expenses and improved premium conversion.

·         Identifies issues that impact products, manages their resolution and brings issues to the attention of senior management with recommendations for resolution;

·         Directs and oversees underwriting and claims best practices to assure that appropriate procedures are applied to new and existing businesses.

·         Develop underwriting and claims expertise for all products sold by the country entities; Establish ongoing training programs and evaluation techniques for all staff responsible for evaluating risk;

·         Coordinate all local underwriting and claims support with country management; work with local and regional HR personnel in the selection, retention and personal development of the underwriting and claims staff;

·         Provide ongoing underwriting and claims case level support to country operations;

·         Promote communication and cooperation between local sales, marketing and staff performing risk analysis;

·         Supports the development and review of new products / product enhancements in conjunction with regional and local functional units;

·         Travel to local offices to review/audit (FMR) underwriting and claim practices and recommend actions to correct discrepancies that will lead to better administrative and underwriting processes.