Credit underwriter adjudicating first - mortgage applications and lending decisions for BMO, a bank serving customers and businesses. Managing credit analysis, risk, compliance, and stakeholder solutions remotely.
About the role
- Disability insurance specialists creating adjudication and underwriting scenarios for Mercor’s AI-lab partner. Evaluating AI outputs against industry standards and improving model reasoning.
Responsibilities
- Design realistic scenarios involving short- and long-term disability claims, elimination periods, own-occupation and any-occupation definitions, residual and partial disability, offsets, recurrent disability, and claim duration management
- Create claim determinations, benefit calculations, medical and vocational evidence summaries, transferable-skills analyses, return-to-work plans, and appeal decisions
- Write “golden” reference responses at experienced disability-professional quality
- Grade AI-generated responses against structured rubrics for definitional accuracy, evidentiary support, benefit-calculation correctness, and procedural fairness
- Identify misapplied disability definitions, unsupported functional conclusions, missed offsets, incorrect benefit math, and failures to document the administrative record
- Provide written feedback to the research team to improve model behavior
- Participate in onboarding office hours and calibration sessions
Requirements
- 2+ years of professional experience in disability claims adjudication, disability underwriting, vocational rehabilitation, or leave and absence management
- Experience with at least one program type: group short-term disability, group long-term disability, individual disability income, statutory disability, or life waiver of premium
- Understanding of contract definitions, elimination periods, offsets, pre-existing-condition provisions, and maximum benefit periods
- Ability to weigh medical, occupational, and financial evidence and articulate a defensible determination with documented rationale
- Excellent written analysis, balanced judgment, and high attention to detail
- Ability to distinguish claim adjudication from treating-provider clinical decisions and formal legal advice
- Bonus: CRC, CDMS, CCM, CPDM, RN, or comparable clinical or vocational credential
- Experience with ERISA administrative records, appeals, or litigation support
- Individual disability income underwriting, including occupation class and financial underwriting
- Social Security, workers compensation, or other-income offset coordination experience
- Experience with FMLA, state leave programs, or ADA accommodation interaction
- Remote location eligibility limited to the United States, Canada, or United Kingdom
Benefits
- $800 per task
- Minimum 20 hours per week (ideally 40+)
- Flexible remote work
- Up to $250 for each successful referral
- Reasonable accommodations upon request
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