$80/hr · Mercor · Hourly, 20 hours a week
A reinsurance specialist creates complex treaty and program-business scenarios, grades AI reasoning against market standards, and coaches systems on risk-transfer structures and counterparty dynamics.
What you would do
- Design realistic treaty reinsurance, facultative, MGA/MGU, and fronting scenarios involving layering, attachment points, cessions, and governance
- Develop comparative analyses, submission reviews, contract summaries, and counterparty assessments at market-standard quality
- Grade AI responses using structured rubrics covering structural accuracy, contract logic, financial implications, and stakeholder role clarity
- Identify model misunderstandings of limits, retentions, commissions, collateral arrangements, claims control, and counterparty responsibility
- Provide detailed feedback on gaps in model reasoning about how contract terms achieve risk transfer and economic objectives
Who they want
- 2+ years professional reinsurance, program business, delegated authority, or fronting experience
- Expertise in at least one area: treaty mechanisms, facultative operations, program management, international markets, captive frameworks, or alternative placements
- Ability to identify economic and operational responsibilities across primary insurers, reinsurers, brokers, program managers, carriers, and policyholders
- Understanding of how structural choices affect capital optimization, premium flows, claims procedures, administrative roles, and financial reporting
- Excellent written reasoning, strong commercial judgment, and meticulous attention to operational and financial detail
Main skills
What the interview asks about
1.Complex scenario design
Creating authentic reinsurance situations requires understanding how structural complexity, competing objectives, and real-world constraints shape transaction design.
For example: “Design a layered excess-of-loss scenario where a cedent needs both protection and cost efficiency, with multiple reinsurers at different layers. Specify layer attachment, limits, and commissions.”
2.Contract logic assessment
Evaluating model reasoning about contracts demands recognizing how specific terms achieve risk transfer, earnings, and claims-handling objectives for each party.
For example: “An AI proposal modifies commission structures in a delegated-authority agreement to lower costs. Assess financial impact on each party and what operational trade-offs this creates.”
3.Counterparty role distinction
Correctly identifying each party's interests, responsibilities, and decision authority is essential to evaluating whether model reasoning reflects realistic market dynamics.
For example: “In a facultative placement, explain how the broker, cedent, reinsurer, and fronting carrier roles overlap and conflict in terms of claims management and financial accountability.”
4.Structural reasoning accuracy
Model outputs must demonstrate sound understanding of why specific layers, attachment points, and retention structures serve the intended risk-transfer objectives.
For example: “A model recommends increasing the attachment point in an excess-of-loss treaty to reduce cost. Analyze whether this achieves the cedent's objectives given their loss experience.”
5.Market standards application
Comparing model outputs to established market practices in treaty language, placement customs, and risk arrangements requires deep familiarity with industry norms.
For example: “Write feedback on an AI-generated submission for a managed program, assessing where it meets market expectations and where language or structure deviates from standard approaches.”
A task you may get
Candidates design reinsurance scenarios and evaluate AI-generated submissions, contract summaries, and recommendations using a rubric covering structural accuracy, commercial logic, and market realism.
How to prepare
- Study the mechanics of treaty reinsurance including attachment points, exhaustion, cessions, recoverables, and typical contract language structures
- Review MGA/MGU program governance, including how delegated authority operates and the decision framework for claims and coverage disputes
- Examine how fronting arrangements, captive structures, and alternative risk mechanisms differ structurally from traditional reinsurance
- Research how contract modifications affect economics for cedents, reinsurers, and brokers to build intuition for commercial impact assessment
The facts
- Pay
- $80/hr
- Hours
- Hourly, 20 hours a week
- Where
- Remote · Remote United States, Canada, or United Kingdom
- Open to
- USA, CAN, GBR, AUS, NZL, IRL, MLT, NLD, SWE, DNK, NOR, FIN, DEU, AUT, BEL
- Field
- Finance
- Posted
- 8/25/2026
- Places left
- 4
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