Risk Operations Associate

About Ethos

was built to make it faster and easier to get life insurance for the next million families. Our approach blends industry expertise, technology, and the human touch to find you the right policy to protect your loved ones.

We leverage deep technology and data science to streamline the life insurance process, making it more accessible and convenient. Using predictive analytics, we are able to transform a traditionally multi-week process into a modern digital experience for our users that can take just minutes! We’ve issued billions in coverage each month and eliminated the traditional barriers, ushering the industry into the modern age. Our full-stack technology platform is the backbone of family financial health.

We make getting life insurance easier, faster and better for everyone.

Our investors include General Catalyst, Sequoia Capital, Accel Partners, Google Ventures, SoftBank, and the investment vehicles of Jay-Z, Kevin Durant, Robert Downey Jr and others. This year, we were named on CB Insights' Global Insurtech 50 list and BuiltIn's Top 100 Midsize Companies in San Francisco. We are scaling quickly and looking for passionate people to protect the next million families!

About the Role

As a Claims Associate, you will be responsible for the intake, processing, and tracking of life insurance claims, ensuring accuracy, compliance, and compassionate service. This includes taking inbound calls from beneficiaries and policyholders, working closely with carriers to transmit claim data, managing death claim files, meeting strict service level agreements (SLAs), and escalating suspicious activity to the appropriate teams. Success in this role requires high attention to detail, a commitment to process integrity, and the ability to balance efficiency with empathy.

Duties & Responsibilities:

• Serve as the first point of contact for beneficiaries and policyholders by taking inbound calls related to claims
• Manage the full claims intake and processing workflow from receipt to resolution
• Transmit claim data and documentation to carriers in accordance with established procedures
• Track and meet SLAs for claims processing while maintaining a high level of accuracy
• Maintain the integrity of claims data across internal systems and carrier submissions
• Collaborate with carriers, internal departments, and external partners to resolve claim-related questions or escalations
• Review claims for potential fraud or suspicious behavior and escalate as needed
• Ensure compliance with all regulatory and privacy requirements in handling claim information
• Identify opportunities for process improvements and contribute to team-wide best practices

Qualifications & Skills:

• 3+ years of experience in claims processing, policy administration, or related operations role
• Life insurance industry experience strongly preferred
• Strong understanding of regulatory and compliance requirements related to claims handling
• Proficiency with Salesforce or equivalent CRM/operations platforms
• Exceptional attention to detail, organization, and follow-through
• Ability to work both independently and collaboratively with cross-functional teams
• Excellent written and verbal communication skills, with the ability to convey empathy and professionalism
• Strong time management skills with the ability to balance multiple priorities under deadlines
• Demonstrated integrity in handling sensitive and confidential information

#LI-A1 #LI-Onsite

Don’t meet every single requirement? If you’re excited about this role but your past experience doesn’t align perfectly with every qualification in the job description, we encourage you to apply anyway. At Ethos we are dedicated to building a diverse, inclusive and authentic workplace.

We are an equal opportunity employer who values diversity and inclusion and look for applicants who understand, embrace and thrive in a multicultural world. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the SF Fair Chance Ordinance, we will consider employment for qualified applicants with arrests and conviction records.

To learn more about what information we collect and how it may be used, please refer to our California Candidate Privacy Notice

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