Premium Audit Dispute Analyst

Overview

Join AmTrust Insurance's Premium Audit Team!

The Premium Audit Dispute Analyst is responsible for independently reviewing, analyzing, and resolving moderate to complex premium audit disputes across Workers' Compensation and General Liability policies. This role exercises professional judgment and advanced analytical skills to interpret audit outcomes, investigate discrepancies, and ensure accurate premium determination in alignment with policy language, regulatory requirements, and corporate standards.

The analyst serves as a key decision-maker within the dispute resolution process, managing work with a moderate degree of autonomy while ensuring fairness, accuracy, and consistency. The role requires evaluating nuanced underwriting and audit scenarios, identifying root-cause issues, and recommending appropriate corrections or process improvements.

This position partners closely with underwriters, auditors, regional premium audit teams, billing, and external stakeholders to drive timely, well-supported dispute outcomes. The analyst contributes to operational excellence by promoting transparency, strengthening cross-functional communication, and supporting the continuous improvement of the overall premium audit experience.

Responsibilities

Audit Review & Validation

• Exercise independent judgment in evaluating complex audit reports, financial records, and classification methodologies to ensure accurate premium determination.
• Interpret policy language, classification standards, and regulatory frameworks (NCCI, PAAS, state-specific rules) to validate audit outcomes.
• Identify and diagnose errors, discrepancies, or systemic issues, recommending action items or process adjustments as needed.

Dispute Investigation & Resolution

• Lead the end-to-end investigation of moderate to high-complexity audit disputes submitted by insureds, brokers, and internal partners.
• Apply advanced analytical reasoning and established dispute resolution protocols to determine equitable and compliant outcomes.
• Communicate findings, rationale, and decisions with a high degree of clarity, professionalism, and subject-matter authority.
• Document resolution decisions comprehensively, ensuring accuracy, auditability, and alignment with internal standards.

Compliance & Documentation

• Ensure dispute handling and audit validations adhere to all regulatory, classification, and internal compliance requirements.
• Maintain organized and defensible documentation supporting dispute conclusions and audit determinations.
• Escalate issues outside defined thresholds while providing informed recommendations to guide leadership decisions.

Cross-Functional Collaboration

• Serve as a subject-matter resource for underwriting, billing, audit operations, and other stakeholders on audit and classification matters.
• Participate in calibration, quality review, and case-roundtable discussions to promote consistent interpretation of rules and procedures.
• Support vendor governance by identifying emerging patterns, recurring dispute themes, and opportunities for corrective action.

Process & System Improvement

• Evaluate dispute handling workflows, system utilization, and documentation practices to recommend efficiency and quality enhancements.
• Contribute to the development and maintenance of procedures, job aids, and reference materials used across Premium Audit.
• Maintain current expertise in manual rules, audit methodologies, and foundational underwriting concepts influencing premium accuracy.
• Perform additional duties as assigned to support departmental goals and strategic initiatives.

Qualifications

Required:

• Minimum of 3 years of experience in premium audit, audit review, billing support, or other related insurance operations.
• Bachelor's degree in Accounting, Finance, Business or other related fields (or equivalent work experience).
• Strong written and verbal communication skills with the ability to explain findings clearly.
• Proficiency in Microsoft Office Suite; with intermediate Excel skills required.
• Strong analytical and problem-solving skills with strong attention to detail.
• Ability to manage multiple tasks simultaneously and work efficiently in a fast-paced, team-oriented environment.

Preferred:

• Progress toward or interest in the Associates in Premium Audit (APA) designation.
• Familiarity with Workers' Compensation and General Liability audit processes.

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.

The salary range for this role is $53,300 - $75,000 a year. Base pay offered may vary depending on, but not limited to education, experience, skills, geographic location, travel requirements, sales or revenue-based metrics. This range may be modified in the future.

• Note, the preference for this opportunity is to work in an office on a hybrid schedule out of one of our AmTrust office locations.*

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.