Regulatory Filing Consultant II - Hybrid

Marketing Statement

About Tokio Marine:

Tokio Marine has been conducting business in the U.S. market for over a century and we are licensed in all states, Puerto Rico and the District of Columbia, and write all major lines of Commercial Property and Casualty Insurance. We provide unique insurance and risk management tools from our experienced staff of account executives, underwriters and loss prevention engineers and fair and timely claim settlement from a skilled team of claim professionals. We work with major brokers and leading independent insurance agents throughout the United States to serve the world's largest and most distinguished organizations.

We are committed to creating value for our customers by providing ANSHIN (safety, security and peace of mind). We strive to be creative and passionate as we work towards our long-term success.

Tokio Marine Holdings is Japan's oldest, and one of the largest property and casualty insurers. Founded in 1879, TMNF operates worldwide in 47 countries. With annual revenues of approximately $50 billion and an A.M. Best rating of A++, one of the highest in the industry, we are one of the top 20 insurance providers worldwide.

The Opportunity

The Regulatory Filing Consultant II is an experienced individual contributor within the Corporate Underwriting State Filings unit. The position independently interprets complex Property & Casualty regulatory requirements, leads multi-jurisdictional rate, rule and form filing activity, provides regulatory governance and compliance-monitoring support, and advises Product Management, Actuarial, Underwriting and system partners on filing strategy and implementation. The role monitors legislative, regulatory, ISO, APCIA, NCCI and other bureau developments and translates them into timely, documented business action.

Job Summary

Independently research and analyze Property & Casualty statutes, regulations and filing requirements across 52 jurisdictions. Own complex bureau and independent filings for assigned lines of business from initial assessment through approval, implementation and post-filing validation. Exercise judgment in selecting filing approaches, resolving regulator objections and identifying compliance or operational risk. Serve as a subject-matter resource to less-experienced team members and business partners. This position is differentiated from the Regulatory Filing Consultant I by its greater depth of regulatory knowledge, independent decision-making, ownership of complex or high-impact work, leadership of cross-functional initiatives, and responsibility for quality control and regulatory governance.

Essential Job Functions

- Independently research, interpret and communicate Property & Casualty statutes, regulations, bulletins and filing requirements across 52 jurisdictions.
- Own complex, high-impact, multi-state or time-sensitive bureau and independent rate, rule and form filings for assigned lines of business.
- Develop filing strategy, determine filing type and supporting requirements, and recommend sequencing, implementation dates and state-specific deviations.
- Prepare and review complete filing submissions, including explanatory memoranda, state transmittals, exhibits, actuarial support, forms, rules and responses to regulator questions.
- Lead resolution of objections and negotiate filing issues with state insurance departments, escalating material compliance, legal or business risk when appropriate.
- Monitor and evaluate legislative, regulatory, ISO, APCIA, NCCI and independent bureau developments; document applicability, required action, ownership and due dates.
- Perform compliance-monitoring and regulatory-governance activities, including risk identification, trend analysis, evidence retention and status reporting.
- Conduct quality-control reviews of filing packages, circular dispositions, implementation requests and supporting documentation prepared by team members or external resources.
- Provide day-to-day technical guidance, coaching and peer review to Regulatory Filing Consultant I staff, trainees and filing support resources without direct supervisory responsibility.
- Proposed - Regulatory Filing Consultant II | Revised November 2026
- Coordinate with Product Management, Actuarial, Underwriting, Legal, Compliance, IT, Operations, vendors and external filing resources to drive decisions and meet filing commitments.
- Initiate and oversee policy-administration system implementation requests; validate that approved rates, rules, forms, effective dates and company/state applicability are accurately reflected in systems such as Majesco and Insurity and tracked through ADO or the applicable workflow tool.
- Support system-maintenance activities, including circular acceptance, adoption decisions, implementation requirements, testing, defect resolution and post-deployment validation.
- Lead or serve as the regulatory workstream representative on product launches, system implementations, remediation efforts, audits and other corporate projects.
- Develop, maintain and improve Standard Operating Procedures, filing checklists, desk guides, business-line resources, service standards and internal controls.
- Perform competitor filing research and provide regulatory analysis to support product development and market-entry decisions.
- Prepare management reporting on filing inventory, aging, objections, approvals, implementation status, compliance risks and service-level performance.
- Identify opportunities to streamline filing, circular-review, monitoring and system-maintenance processes through workflow redesign, automation and effective use of internal or external resources.
- Maintain complete and audit-ready documentation in SERFF, SharePoint and other designated repositories; comply with all applicable internal controls and records-retention requirements.

Additional RFC II-Level Responsibilities

- Act as lead regulatory contact for assigned complex lines of business or strategic initiatives.
- Make independent recommendations when regulatory guidance is unclear, conflicting or varies by jurisdiction, supported by documented research and risk assessment.
- Perform second-level review and approval of selected filing and implementation work before submission or release.
- Lead root-cause analysis and corrective-action planning for missed requirements, filing defects, regulator concerns or implementation discrepancies.
- Facilitate cross-functional filing-planning meetings and communicate decisions, dependencies, risks and deadlines to stakeholders and leadership.
- Assist with regulatory examinations, internal audits and compliance reviews by gathering evidence, explaining processes and coordinating remediation.
- Provide backup coverage across multiple lines of business and handle escalated matters that exceed entry-level scope.

Work Arrangement: This role currently follows a hybrid schedule requiring 2 days per week in the office, with the remaining days worked remotely. The work arrangement may be subject to change based on business needs.

Qualifications

- Bachelor's degree preferred. CPCU, ARe, ARM, ACP, AINS or comparable insurance/compliance designation preferred.
- Minimum of 3-5 years of progressively responsible experience in an insurance regulatory filing unit, corporate underwriting, compliance, legal department, law firm or related Property & Casualty function.
- Demonstrated experience independently managing rate, rule and form filings through the full lifecycle, including regulator objections, approvals, implementation and documentation.
- Advanced working knowledge of SERFF, state insurance department resources, national and independent rating bureaus, and research tools such as Westlaw, Oden and ISOnet.
- Practical knowledge of Property & Casualty rating, forms, rules, loss cost multipliers, effective-date management and state-specific filing requirements.
- Experience with compliance monitoring, regulatory change management, internal controls, audit support or regulatory examinations.
- Ability to assess ambiguous requirements, identify risk, make sound recommendations and clearly explain the rationale to technical and nontechnical audiences.
- Strong quality-control capability and attention to detail, with demonstrated success managing competing priorities and regulatory deadlines.
- Advanced written and verbal communication skills, including drafting explanatory memoranda, regulator responses, executive updates and procedural documentation.
- Proficiency in Microsoft Outlook, Word, Excel, PowerPoint, Teams and SharePoint. Experience with Majesco, Insurity, ADO or comparable policy-administration and work-management platforms is preferred.
- Ability to calculate and validate percentage changes, rate impacts and supporting filing data.
- Ability to work independently, lead cross-functional work, mentor peers and collaborate effectively with internal and external partners.

S alary range $85,000 to $90,000. Ultimate salary offered will be based on factors such as applicant experience and geographic location. Our company offers a competitive benefits package and bonus eligibility on top of base.

TMA believes the perfect candidate is more than just a resume. If you don't meet every single requirement, but are still interested in the job, we encourage you to apply.

Benefits:

We offer a comprehensive benefit package, which includes a generous 401K match. Our rich history of outstanding results and growth allow us to focus our business plan on continued growth, new products, people development and internal career opportunities.

EEO Statement

Tokio Marine Management is an Equal Opportunity Employer. In order to remain competitive we must attract, develop, motivate, and retain the most qualified employees regardless of age, color, race, religion, gender, disability, national or ethnic origin, family circumstances, life experiences, marital status, military status, or sexual orientation.