Overview

Leads end-to-end regulatory filing strategy and execution for property and specialty risk insurance products across multiple U.S. jurisdictions.

· Provides advanced regulatory analysis, interpreting complex statutes, bulletins, and DOI requirements to ensure compliant product design, rate structures, and market implementation.

· Acts as a technical subject matter expert partnering with Product, Underwriting, Actuarial, and Legal teams to develop compliant insurance programs.

Responsibilities

Core Responsibilities

Regulatory Filings Strategy & Execution

· Manage full filing lifecycle including drafting, submission, objection handling, approval, and implementation.

· Prepare and submit complex filings (forms, rates, and rules) for new products, enhancements, and revisions.

· Develop multi-state filing strategies aligned with regulatory requirements and business priorities.

· Lead responses to regulator objections with technical, actuarial, and legal support.

Regulatory Research & Technical Analysis

· Analyze state statutes, DOI bulletins, and regulatory frameworks impacting insurance and non-insurance products.

· Conduct competitor filing analysis and assess compliance feasibility.

· Monitor legislative and regulatory changes and translate into business guidance.

Forms, Rates, and Product Development

· Partner with Underwriting and Actuarial to develop forms, endorsements, and rate structures.

· Perform technical form reviews to ensure statutory compliance.

· Provide regulatory guidance on product structure, disclosures, and state variations.

Regulator Interaction & Objection Management

· Serve as primary contact with DOIs for assigned filings.

· Draft responses to objections with statute-based support.

· Track and resolve regulatory issues to ensure timely approvals.

Systems & Tools (SERFF & Salesforce)

· Utilize SERFF to prepare, submit, and manage filings.

· Leverage internal systems for product configuration and policy issuance.

· Participate in system enhancements, testing, and defect resolution.

· Maintain structured filing and compliance documentation.

Cross-Functional Leadership & Project Management

· Lead cross-functional initiatives across Compliance, Legal, Product, and Actuarial.

· Manage outsourced filing vendors and deliverables.

· Track timelines, dependencies, and deliverables across projects.

· Provide strategic regulatory recommendations.

Regulatory Compliance & Issue Resolution

· Identify and assess compliance risks related to filings and products.

· Support regulatory exams and audits.

· Manage consumer complaints and DOI inquiries.

Knowledge Leadership & Process Improvement

· Develop training materials, SOPs, and documentation.

· Identify and implement process improvements

#LI-EF1

#LI-HYBRID

Qualifications

Qualifications - Preferred

· Bachelor’s degree in Business, Risk Management, or related field (or equivalent experience).

· Experience with specialty risk products such as GAP, service contracts, and renters.

· Experience with policy administration systems (e.g., APAS / Salesforce).

· Experience collaborating with Actuarial, Product, and Legal teams.

This job description is designed to provide a general overview of the requirements of the job and does not entail a comprehensive listing of all activities, duties, or responsibilities that will be required in this position. AmTrust has the right to revise this job description at any time.

What We Offer

AmTrust Financial Services offers a competitive compensation package and excellent career advancement opportunities. Our benefits include: Medical & Dental Plans, Life Insurance, including eligible spouses & children, Health Care Flexible Spending, Dependent Care, 401k Savings Plans, Paid Time Off.

AmTrust strives to create a diverse and inclusive culture where thoughts and ideas of all employees are appreciated and respected. This concept encompasses but is not limited to human differences with regard to race, ethnicity, gender, sexual orientation, culture, religion or disabilities.

AmTrust values excellence and recognizes that by embracing the diverse backgrounds, skills, and perspectives of its workforce, it will sustain a competitive advantage and remain an employer of choice. Diversity is a business imperative, enabling us to attract, retain and develop the best talent available. We see diversity as more than just policies and practices. It is an integral part of who we are as a company, how we operate and how we see our future.

Senior Regulatory & Filings Analyst, Legal