Premium Auditor II

Pie's mission is to empower small businesses to thrive by making commercial insurance affordable and as easy as pie. We leverage technology to transform how small businesses buy and experience commercial insurance.

Like our small business customers, we are a diverse team of builders, dreamers, and entrepreneurs who are driven by core values and operating principles that guide every decision we make.

The Premium Auditor II is responsible for conducting comprehensive premium audits across diverse industries using mail, phone, and virtual platforms. This role involves reviewing payroll records, tax returns, and financial documents to ensure accurate policy coverage and compliance with regulatory guidelines. The auditor applies classification codes using NCCI, PAAS, and state-specific requirements, thoroughly documents findings, and prepares detailed audit worksheets.

How You’ll Do It

Core Audit Execution

• Conduct comprehensive premium audits via mail, phone, and virtual platforms across various industries and business types.
• Review and verify payroll records, tax returns, 1099s, and supporting financial documentation with meticulous attention to detail.
• Analyze business operations to identify all relevant exposures and ensure proper policy coverage.
• Identify and apply appropriate classification codes using NCCI guidelines, PAAS, and state-specific bureau requirements.
• Document audit findings thoroughly and prepare detailed audit worksheets. 
• Ensure all audit work complies with established business rules and regulatory guidelines.

Insured Relationship Management & Communication

• Communicate professionally with policyholders via phone, email, and virtual meetings to gather required documentation.
• Conduct thorough interviews to understand business operations, employee roles, and exposure classifications.
• Explain audit processes clearly to insureds and address questions about documentation requirements.
• Build positive relationships while maintaining professional boundaries throughout the audit process.
• Handle initial concerns and questions about audit procedures (not billing-related issues).
• Coordinate schedules and follow up appropriately to ensure timely audit completion.

Virtual & Technology-Enhanced Audit Capabilities

• Conduct virtual audits using screen-sharing and remote access technologies.
• Guide insureds through document sharing and virtual collaboration platforms.
• Utilize emerging audit technologies and software to enhance efficiency and accuracy.
• Adapt audit methodologies based on insured capabilities and preferences.
• Maintain security protocols for remote document review and virtual meetings.

Data Analysis & Classification Expertise

• Analyze complex payroll structures, contractor relationships, and employee classifications.
• Research and apply appropriate workers' compensation classification codes across multiple states.
• Identify potential misclassifications and exposure gaps that could impact coverage.
• Review business operations for changes since policy inception that may affect classifications.
• Ensure proper documentation of all exposures for accurate premium calculations.

Quality Assurance & Compliance

• Ensure all audit documentation meets regulatory standards and company policies.
• Complete audits within established timeframes while maintaining thoroughness.
• Maintain strict confidentiality of all insured information and business data.

Process Development & Continuous Improvement

• Provide regular feedback on audit procedures and technology effectiveness.
• Participate in process development meetings and contribute improvement recommendations.
• Document best practices and lessons learned for future training materials.
• Support implementation of new audit technologies and methodologies.

The Right Stuff

• Minimum 3-4 years conducting Workers Compensation premium audits.
• Knowledge of NCCI classification systems and state bureau requirements.
• Experience working directly with business owners and financial personnel.
• Multi-state audit experience preferred.

Technical Competencies:

• Strong understanding of payroll systems, tax documentation, and business financial records.
• Proficiency with classification systems (NCCI, PAAS) and state-specific regulatory requirements.
• Experience with virtual meeting platforms and screen-sharing technologies.
• Advanced skills with audit software, Google Workspace applications, and emerging technologies.
• Ability to analyze complex business operations and identify relevant exposures.
• Understanding of contractor vs. employee relationships and classification implications.

Communication & Relationship Skills:

• Excellent verbal communication skills for professional phone and virtual interactions.
• Strong written communication abilities for follow-up correspondence and documentation.
• Proven ability to explain complex audit concepts clearly to business owners.
• Experience building rapport with diverse business contacts across various industries.
• Cultural sensitivity and professional demeanor in varied business environments.
• Ability to manage potentially sensitive conversations about business operations.

Core Competencies:

• Analytical Thinking: Ability to understand complex business operations and identify all relevant exposures.
• Attention to Detail: Meticulous review of financial records and accurate identification of discrepancies.
• Customer Focus: Commitment to building positive relationships while maintaining audit integrity.
• Adaptability: Flexibility to work with evolving technologies and audit methodologies.
• Sense of Urgency: Ability to manage multiple audits efficiently while maintaining quality standards.
• Professional Curiosity: Desire to understand business operations thoroughly and ask relevant questions.

The use of AI in Application Review: To support a fair, efficient, and consistent hiring process, we use AI-powered tools to assist in the initial screening of applications. These tools help us identify qualifications and prior work experiences that align with the requirements of the role. We may also use AI assistant video tools during interviews to support note-taking and candidate evaluation. All AI-powered outputs are still subject to human oversight and decision-making at multiple stages of the process. By submitting your application, you acknowledge and consent to Pie utilizing these AI technologies to assist in our evaluation process.

Base Compensation Range

$75,000—$90,000 USD

Compensation & Benefits 

• Competitive cash compensation
• Comprehensive health plans
• Generous PTO
• Future focused 401k match
• Generous parental and caregiver leave
• Our core values are more than just a poster on the wall; they’re tangibly reflected in our work 

Making every part of working with us "Easy as Pie" - including our offer process. When we find someone we'd like as a Pie-oneer (a member of our team), we move quickly to put together a fair offer based on your skills, experience, location, and compensation expectations.

Each year Pie reviews company performance and may grant discretionary bonuses to eligible team members.

Location Information 

Unless otherwise specified, this role is remote. Remote team members must live and work in the United States (territories excluded) and have access to reliable, high-speed internet.

Additional Information

Pie Insurance is an equal opportunity employer. We do not discriminate on the basis of race, color, religion, sex, sexual orientation, gender identity, marital status, age, disability, national or ethnic origin, military service status, citizenship, or other protected characteristic.

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Safety First: Pie Insurance is committed to your security during the recruitment process. We will never ask you for credit card information or ask you to purchase any equipment during our interview or onboarding process.

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