Job Description

Are you a seasoned insurance professional with a passion for investigative work, customer education, and cross-functional collaboration? MEM Insurance is seeking a Premium Consultant III to join our dynamic team. In this role, you'll independently conduct virtual--and occasionally on-site--premium audits to validate policyholders' classifications, operations, and payroll records. Your work will directly impact risk assessments, fraud detection, and underwriting decisions, while also helping policyholders better understand their coverage and recordkeeping practices.



This is a flexible, remote-first role with occasional travel for on-site audits. We're looking for someone who thrives in a self-directed environment, enjoys building relationships, and is committed to continuous learning.

Essential Duties and Responsibilities:

Premium Auditing & Risk Assessment

Conduct virtual audits and occasional physical audits of policyholders' business records to determine proper risk classification, premium basis, and scope of operations. Analyze financial documentation and prepare detailed audit worksheets using specialized software. Research and apply correct classifications using NCCI Scopes & Basic Manual and internal resources. Identify and document changes or unusual exposures that may impact premium; refer findings to Underwriting. Review claims reports and verify proper coding for accurate NCCI reporting. Alert MEM's Special Investigations Unit (SIU) to potential fraud indicators.

Policyholder Consultation & Stakeholder Engagement

Educate policyholders on insurance fundamentals, payroll reporting, and recordkeeping best practices. Provide consultative support to help policyholders establish systems for accurate wage division and documentation. Build and maintain strong relationships with internal teams and external customers through timely, professional communication.

Audit Management & Operational Excellence

Independently manage audit scheduling, pre-audit preparation, and follow-up documentation. Utilize internal systems to review past audits, policy notes, corporate filings, and claims reports. Ensure audit progress is tracked and communicated effectively.

Professional Development & Collaboration

Stay current on procedural changes, state-specific determinations, and NCCI updates. Engage in ongoing learning through MEM's FLEX classes, cross-departmental collaboration, and corporate training programs.

Qualifications:

Education: Bachelor's degree in Accounting, Finance, Business Administration, or related field (or equivalent experience). Experience: 3+ years of progressively responsible experience in premium auditing, workers' compensation, or a closely related insurance field. Certifications: APA 91 and 92 recommended; APA designation a plus. Licenses: Valid driver's license required. Knowledge: Familiarity with NCCI Scopes & Basic Manual classifications and workers' compensation guidelines.

Company Culture and Values:

At MEM Insurance, we live our values every day. We believe in doing the right thing, putting people first, and delivering exceptional service. Our culture is built on trust, teamwork, and a shared commitment to excellence. We support our employees with meaningful work, opportunities for growth, and a workplace where everyone belongs.



We are proud to be an equal opportunity employer. MEM Insurance celebrates diversity and is committed to creating an inclusive environment for all employees. We welcome applicants of all backgrounds and experiences.

Total Rewards Overview:

We care deeply about the well-being of our employees and offer a comprehensive benefits package that reflects our commitment to your health, financial security, and personal growth:



Health Plans: Medical, Dental, and Vision Includes fertility benefits and fully paid preventative care Dental coverage includes adult orthodontia and other uncommon treatments Fully Employer-Paid Life and Disability Benefits Life Insurance - three times base salary Accidental Death and Dismemberment Short and Long-term Disability Employee Wellness and Recognition Program Employer-paid incentives for employees and their spouses Flexible Spending Account and Dependent Care Options Health Savings Account with Generous Employer Contribution Time Away from Work Generous PTO accruals 11 Holidays and 4 Early Releases 16 Hours of Volunteer Time Off 20 Days of Paid Parental Leave (in addition to STD) Marriage, Bereavement, and Jury Duty Leave Policies Employee Assistance Programs 401(k) Retirement Plan with Employer Match and Profit Sharing Adoption Assistance Tuition Assistance

Join MEM Insurance and take the next step in your premium auditing career with a company that values your expertise, your growth, and your well-being. Apply today!