Specialty Billing Representative I/II

<strong>AF Group (Lansing, Mich.) and its subsidiaries are a premier provider of innovative insurance solutions. Insurance policies may be issued by any of the following companies within AF Group: Accident Fund Insurance Company of America, Accident Fund National Insurance Company, Accident Fund General Insurance Company, United Wisconsin Insurance Company, Third Coast Insurance Company, or CompWest Insurance Company.</strong>

Lansing, USA

AF Group

<p class="p1"><strong>AF Group&rsquo;s focused and passionate team uses industry-leading best practices, analytics and resources to manage risk and minimize loss for our policyholders while strengthening businesses with our valued independent agent partners.</strong></p> <p class="p1"><strong>We strive to continuously increase the long-term value of our organization by outperforming our industry peers and fostering a culture of underwriting and claims excellence.</strong></p> https://www.afgroup.com/

keywords: summary,job description,work environment,management,compliance,quality assurance,billing,process,knowledge,education,experience,skills,proficiency

Non-Manager

Competitive Compensation and Benefits Package

Overview: <p>Level I is in a learning capacity and will progress to the senior level when the incumbent qualifies and is able to provide coverage and assistance across all primary responsibilities and focus areas independently.</p> <p>This job is primarily responsible for products and services underwritten by the Enterprise that require manual processes due to the complex nature of the request or system limitations. Performs in-house collection activity that ultimately determines financial resolution of delinquent funds owed to the Enterprise. Services, bills and manages tasks related to &ldquo;specialty&rdquo; (i.e. Loss Sensitive, AccuPremium) business underwritten by the Enterprise. Calculates commission owed to agencies on a monthly basis and handles all servicing related to agency commissions. Contacts include: Enterprise employees, agents and policyholders, external collection agencies, NCCI and legal representatives.<br /><br /></p> <p><strong>WORKING CONDITIONS:</strong></p> <p>Work is performed in an office setting with no unusual hazards.</p> <p><strong>REQUIRED TESTING:&nbsp;</strong></p> <p>Math, Typing 40wpm, Intermediate Word, Advanced Excel, Basic Access, Intermediate Windows, Proofreading, Reading Comprehension.</p>
Responsibilities: <ul> <li>Maintains in-depth knowledge of policy and commission structure of each brand within the Enterprise.</li> <li>Completes manual commission calculations for the individual brands within the Enterprise. Creates statements and check requests to pay commissions on a monthly basis.&nbsp;</li> <li>Manually calculates and bills for retrospective premium adjustments and monthly losses related to loss sensitive business for all brands within the Enterprise.&nbsp;</li> <li>Monitors and tracks collateral to ensure loss funds are adequately funded.&nbsp;</li> <li>Works directly with policyholders and external collection agencies regarding past due balances. Uses authority levels to make decisions regarding balances due.&nbsp;</li> <li>Monitors aging reports and completes follow-ups with Premium Audit, Underwriting and Management.</li> <li>Reviews, negotiates and approves payment arrangements and settlement offers on past due receivables for the Enterprise.</li> <li>Files bankruptcy claims with the Bankruptcy Court for policyholders that have entered bankruptcy. Has an understanding of the different types of bankruptcy and how to appropriately handle each.&nbsp;</li> <li>Participates in the development of requirements related to new Enterprise-wide systems.&nbsp;</li> <li>Verifies reasonableness of data in ancillary and disparate systems.&nbsp;</li> <li>Reconciles accounts to clarify billing transactions and cash application in order to provide customers with up-to-date account information/history.&nbsp;</li> <li>Responds to internal and external customer requests via telephone or electronic correspondence. Correspondence is drafted as requested to address complaints or information requests. Requests are initiated by agents, policyholders, underwriters, or management.&nbsp;</li> <li>Processes pay by phone transactions to expedite posting of cash to insured&rsquo;s policy.&nbsp;</li> <li>Requests write offs to resolve small balance and NSF fee discrepancies</li> </ul> <p><strong>&nbsp;</strong></p> <p><strong>ADDITIONAL RESPONSIBILITIES FOR THE LEVEL II:</strong></p> <ul> <li>Provides coverage and assistance across all primary responsibilities and focus areas.</li> <li>Provides training and mentoring to the Level 1 Specialty Billing Representative position.</li> <li>Addresses and responds to complex internal and external customer requests.</li> <li>Works with minimum supervision.</li> </ul> <p>&nbsp;</p>
Requirements: <p><strong>EDUCATION REQUIRED:&nbsp;</strong></p> <ul> <li>Minimum of an Associate degree in Business or equivalent. Combinations of relevant education and work experience may be considered in lieu of degree.</li> </ul> <p>&nbsp;</p> <p><strong>EXPERIENCE REQUIRED:</strong></p> <ul> <li>Minimum of three (3) years' experience in billing, underwriting, policy processing or equivalent work which provides the necessary skills, knowledge and abilities.</li> </ul> <p>OR</p> <ul> <li>Bachelor&rsquo;s degree in Business or equivalent and 1 year of relevant experience in billing, underwriting or policy processing. Combinations of relevant education and work experience may be considered in lieu of degree.</li> </ul> <p>&nbsp;</p> <p><strong>ADDITIONAL EXPERIENCE REQUIRED FOR THE LEVEL II:</strong></p> <ul> <li>Minimum of five (5) years' experience in billing, underwriting, policy processing or equivalent work which provides the necessary skills, knowledge and abilities.</li> </ul> <p>OR</p> <ul> <li>Bachelor&rsquo;s degree in Business and 3 years of relevant experience in billing, underwriting or policy processing.</li> </ul> <p>&nbsp;</p> <p><strong>SKILLS/KNOWLEDGE/ABILITIES (SKA) REQUIRED:&nbsp;</strong></p> <ul> <li>Basic knowledge of workers' compensation.</li> <li>Knowledge of claims and underwriting operations (i.e., deductibles, billing etc.).</li> <li>Ability to analyze details of policy billing and payment data and, based on this analysis, make efficient and effective independent decisions within authority.</li> <li>Ability to analyze details of policy billing and payment data and, based on this analysis, make efficient and effective independent decisions within authority.</li> <li>Ability to manage multiple priorities and meet established deadlines.</li> <li>Ability to proofread documents for accuracy of spelling, grammar, punctuation, and format.</li> <li>Knowledge of insurance operations. Specifically as they pertain to state specific requirements.</li> <li>Excellent math skills. Ability to accurately interpret and analyze data.</li> <li>Ability to process transactions on multiple processing systems.</li> <li>Ability to use diplomacy, discretion and appropriate judgment when addressing callers.</li> <li>Ability to proofread documents for accuracy of calculations within guidelines.</li> <li>Requests money moves to ensure accurate posting of cash.&nbsp;</li> <li>Maintains knowledge of state regulations as they pertain to movement of funds between policies and legal entities.&nbsp;</li> <li>Maintains confidentiality of information processed</li> <li>Excellent organizational skills and ability to prioritize work in order to meet strict deadlines.</li> <li>Excellent oral and written communication skills.</li> <li>Excellent analytical and problem-solving skills.</li> <li>Knowledge of computers and ability to type 40 words per minute.</li> <li>Knowledge of word processing software.</li> <li>Basic knowledge of database software.</li> <li>Advanced knowledge of spreadsheet software.</li> <li>Ability to effectively exchange information clearly and concisely, reports facts and other information and respond to questions as appropriate.</li> <li>Knowledge of policy and claim processing systems.</li> </ul> <p>&nbsp;</p> <p><strong>ADDITIONAL SKILLS/KNOWLEDGE/ABILITIES (SKA) REQUIRED for the LEVEL II:</strong></p> <ul> <li>Knowledge of enterprise policy and commission structure.</li> <li>In-depth understanding of collateral structures and plans.</li> <li>Ability to interpret, analyze and bill a policy with minimal supervision.</li> <li>Knowledge of state specific collection regulations and laws.</li> <li>Knowledge of loss sensitive plans used by the enterprise; specifically, how balances related to losses are calculated and invoiced.</li> <li>Knowledge and understanding of both underwriting and claims is obtained</li> <li>In-depth knowledge of insurance operations. Specifically as they pertain to state specific requirements.</li> <li>Demonstrated knowledge to provide coverage and assistance across all primary responsibilities referenced above.</li> <li>Ability to make decisions and work with minimal supervision.</li> <li>Ability to manage multiple priorities and meet established deadlines.</li> </ul> <p>&nbsp;</p> <p><strong>ADDITIONAL EDUCATION, EXPERIENCE, SKILLS, KNOWLEDGE AND/OR ABILITIES PREFERRED:</strong></p> <ul> <li>Bachelor&rsquo;s degree in Business.</li> <li>Insurance education coursework.</li> <li>Knowledge of departmental procedures, workflows, and systems.</li> <li>Knowledge and experience of policy processing, claim and financial reporting systems.</li> </ul>