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About the Role

The Suitability Review Specialist reviews new business submissions and replacement transactions for annuity and life insurance products to ensure compliance with regulatory requirements, suitability standards, and company policies. This role protects clients, supports ethical business practices, and maintains a strong culture of compliance and risk awareness. The Specialist acts as a resource for registered representatives, field agents, and business partners, offering guidance on suitability and regulatory matters. This opportunity provides exposure to cross-functional partnerships, regulatory initiatives, and process improvement efforts.

Responsibilities

Review new business and replacement applications to ensure transactions meet suitability standards, regulatory requirements, and company guidelines.
Conduct reviews, monitoring activities, and audits to identify unusual, suspicious, or potentially non-compliant activity; investigate findings and escalate concerns as appropriate.
Provide guidance and support to registered representatives, field supervision, and business partners regarding suitability requirements, regulatory expectations, and best practices.
Partner with Compliance, Operations, Supervision, and Technology teams to develop and implement process improvements, surveillance enhancements, and regulatory change management initiatives.
Maintain accurate documentation and records of suitability reviews, determinations, escalations, and related communications in accordance with company policies and regulatory requirements.

Requirements

Experience in suitability review, compliance, risk management, or a related financial services function.
Strong understanding of annuity and life insurance products, including their features, benefits, risks, and suitability considerations.
Knowledge of financial planning concepts, retirement planning strategies, and client investment objectives.
Familiarity with applicable regulatory requirements and industry standards related to suitability reviews and insurance products.
Experience partnering with Compliance, Operations, Supervision, and Technology teams on process improvement initiatives.
Experience supporting regulatory change management, monitoring programs, or surveillance activities.
Experience conducting audits, investigations, and escalation of compliance concerns.
Strong documentation and record-keeping skills within a regulated environment.
Ability to provide consultation and guidance to business partners on suitability and regulatory matters.

Location

USA, Massachusetts
Remote

Work Type

Full Time
Remote

Salary/Compensations

$73,350.00 USD - $122,250.00 USD

Benefits

Health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage.
Adoption/surrogacy and wellness benefits.
Employee/family assistance plans.
Retirement savings plans (including pension/401(k) savings plans and a global share ownership plan with employer matching contributions).
Financial education and counseling resources.
Up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time each year.
Full range of statutory leaves of absence.

About the Company

Manulife Financial Corporation is a leading international financial services provider, helping people make their decisions easier and lives better.
Company: John Hancock Life Insurance Company (U.S.A.)

Equal Opportunity

Manulife is an Equal Opportunity Employer.
At Manulife/John Hancock, we embrace our diversity.
We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals.
We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.
It is our priority to remove barriers to provide equal access to employment.
A Human Resources representative will work with applicants who request a reasonable accommodation during the application process.
All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies.
To request a reasonable accommodation in the application process, contact hr@manulife.com.