Career Opportunities

Reporting into:

The role reports to the Head of Life and Health Underwriting.

Job Summary:

The Underwriter is responsible for assessing, evaluating, and underwriting insurance risks in alignment with company underwriting guidelines, regulatory requirements, and market best practices. This role ensures that underwriting decisions support the company’s profitability, risk appetite, and customer value proposition.

The Underwriter collaborates closely with sales, operations and other teams to ensure that underwriting practices are consistent, data-driven, and responsive to evolving market and regulatory dynamics.

Main Responsibilities:

Risk assessment & underwriting

• Evaluate insurance applications, determining risk acceptability and appropriate terms.
• Apply underwriting guidelines to ensure sound risk selection.
• Review medical, occupational and financial information to assess risk profiles.

 Policy Issuance & Documentation

• Ensure accurate and timely issuance of underwriting decisions.
• Maintain comprehensive records for audit and compliance purposes.

 Market & Portfolio Analysis

• Support the development of underwriting strategies based on market insights and claims experience.

 Regulatory Compliance

• Ensure underwriting practices are aligned with applicable insurance regulations, internal policies, and evolving regulatory expectations.
• Support internal audits and regulatory reviews with accurate documentation and reporting.

 Cross-functional Collaboration

• Work with sales, operations and claims teams to align day-to-day operations and maximise customer service.
• Provide underwriting support to intermediaries and internal stakeholders.
• Participate in presentation and training sessions to intermediaries and internal stakeholders
• Be a liaison between intermediaries to address underwriting queries relating to their application portal.

 Customer & Sales Distribution Engagement

• Communicate underwriting decisions clearly and professionally.
• Support relationship management by offering underwriting insights and solutions.

 Performance Monitoring & Reporting

• Track underwriting KPIs such as medical statistics, turnaround times and approval rates.
• Contribute to continuous improvement initiatives through data analysis and feedback loops.

Accountabilities:

• Accountable for the quality, consistency, and profitability of underwriting decisions.
• Directly impacts the company’s risk exposure and financial performance through sound underwriting practices.
• Supports regulatory compliance and enhances customer trust through transparent and fair underwriting processes.

Skills and Qualifications:

• Education: Preference will be given to applicants with Certificate in Insurance or equivalent.
• Experience: Minimum 1 year in Life/Medical underwriting.
• Regulatory knowledge: Good understanding of local insurance regulations.
• Core competencies: Analytical thinking, attention to detail, decision-making, written and verbal communication in English.

Those who are interested are kindly requested to send their C.V. together with the covering letter on mapfrecareers@middlesea.com

Summary:

The candidate will be responsible for assisting in the daily operations of the claims department. The candidate will handle day-to-day claims processes, including maturities, surrenders, and death claims, as well as manage client queries through phone and email. There will also be other tasks and responsibilities to assist the supervisor and the head of department as required.

Key Responsibilities:

• Claims Handling: Process day-to-day claims such as maturities, surrenders, and death claims accurately and efficiently.
• Ensure all claims are processed in accordance with company policies and regulatory requirements.
• Review and verify claim documents for completeness and accuracy before affecting the payment
• Client Interaction: Respond to client queries and concerns via phone and email in a timely and professional manner.
• Provide clear and accurate information regarding claim status, procedures, and requirements.
• Maintain a high level of customer service and ensure client satisfaction.
• Administrative Support: Assist in the preparation of regular reports and statistics on claims activities and outcomes.
• Maintain organized and up-to-date records of all claims and related documentation.
• Support the Claims Manager in various administrative tasks and special projects as required.
• Assist in representing the company on any court summons cases
• Assist in the compiling of complaints sheets for the COO and in compiling data and answering to requests from our lawyers in connection to OAFS complaints
• Participate in UAT testing in relation to any new products, existing bugs and any other system related process in relation to Claims
• Handle the monthly process of commission payments to the distribution network, which will include the review of commisson statements against the bank files as well as sending the respective commission statements to the agents
• Process Improvement: Identify opportunities for improving claims processing efficiency
• Provide feedback and suggestions to enhance current procedures and workflows.

Qualifications:

• Bachelor’s degree in Business Administration, Finance, Insurance, or a related field is x preferred.
• Previous experience in claims processing or a similar role within the insurance industry is preferred.
• Strong analytical skills and attention to detail.
• Excellent communication and interpersonal skills.
• Proficiency in using Microsoft Office Suite (Word, Excel, Outlook).
• Ability to work independently and as part of a team.

Key Competencies:

• Customer-focused with a commitment to providing high-quality service.
• Strong problem-solving skills and the ability to handle complex claims.
• Organizational skills with the ability to manage multiple tasks simultaneously.
• Adaptability and a proactive approach to task management.

Those who are interested are kindly requested to send their C.V. together with the covering letter on mapfrecareers@middlesea.com

Mapfre Assist Ltd in Malta is looking to recruit a Sales & Customer Representative to join its Insurance Support team. The main responsibilities of the role include handling customer enquiries and concerns, providing RFQs and concluding sales when applicable and providing product and claim information and solutions to our client’s insurance queries.

Whilst an insurance qualification or experience is an asset, Middlesea Assist provides full on the job training together with a buddy system to ensure the ideal learning environment is provided for the candidate without jeopardizing the level of service given to all its customers.

Job Responsibilities and Duties:

Duties to include but are not limited to:

• Provide first-line insurance customer support
• Handling of incoming calls, chats and emails in the most professional and efficient way in line with the company’s standards
• Working closely with other internal departments in resolving customer queries
• Issuing and sending client documentation

Qualifications and Skills: 

• Minimum of secondary level of education
• Fluency in written and spoken Maltese and English
• Be computer literate and familiar with Microsoft Office application
• Must be outgoing and have a positive attitude together with the ability to relate well with our customers
• Be an excellent team player and work well under pressure
• Portray problem-solving skills and a strong customer-oriented attitude
• Telephone etiquette, communication and organisational skills are a must
• Experience in the following sectors is considered an asset: Insurance, Contact Centre, Customer Care

Benefits upon employment:

• Paid breaks and comfort breaks
• Towing and Home Assistance benefit
• Discounted insurance products
• On-the-job training throughout your career

After successful completion of the probation period candidate will be entitled to: 

• 1-2 days hybrid working
• Birthday leave
• Off-peak leave
• Production bonus
• Health Insurance
• Variable salary
• Sponsorships for professional qualifications and training

Applicants are kindly requested to send a CV together with a covering letter on mapfrecareers@middlesea.com

Systems Analyst

• The position is within the Product Demand Management Unit, IT Department.

Job Responsibilities and Duties:

• Understand the business problem/opportunity, research and gather the information required to identify the best technology solution;
• Analyse existing systems and workflows to identify inefficiencies and improvement opportunities to support business goals;
• Participate in the preparation of requests for quotes for new technology solutions, meet potential suppliers, evaluate suppliers’ proposals and select the best offers;
• Understand corporate technology solutions and assess the feasibility and application for use within the local eco-system;
• Support the product manager to estimate the cost of IT solutions and projects, and plan the effort required;
• Participate in the system architecture design and integration of systems following corporate guidelines and best practices;
• Be able to understand and model business processes;
• Work with internal and external stakeholders to define business and system requirements, duly documenting the business and technical requirements;
• Prepare the necessary documentation required for security vulnerability tests and coordinate with the security team and the relevant supplier/s to ensure any security vulnerabilities are resolved and duly certified;
• Be able to define and validate prototypes featuring IT system changes and new requirements as needed;
• Liaise with suppliers’ development teams during development phase;
• Support the product manager to identify the testers required during the UAT phase;
• Plan what needs to be tested and how, and duly prepare the test plans, define test cases and scripts; and plan any batch processes required;
• Coordinate and execute testing initiatives with the rest of the team to evaluate any anomalies; track the resolution of anomalies and execute further testing until resolution.
• Support the product manager to plan the go live for technology solutions and actively participate in the sanity testing after solution go lives;
• Prepare and deliver training on technology solutions to end-users; and
• Prepare the necessary documentation and deliver transfer knowledge sessions to other teams who will take the responsibility of post-go live support.
• Implement best practices for scalability, supportability, ease of maintenance, and system performance.
• Deploy, maintain, and troubleshoot core business applications, including application servers, associated hardware, endpoints, and databases;

Requirements:

• A minimum of three to five years’ experience in Information Systems Analysis within the Software Development Life Cycle (SDLC) is required.
• Business Process Reengineering experience is considered an asset.
• A high level of technical expertise and broad knowledge of hardware, software, and programming.
• Knowledge of PL/SQL, .NET, Java and JavaScript would be an asset.
• Experience in Insurance Industry would be highly desirable and considered an asset.
• Excellent verbal and written communication skills.
• Excellent interpersonal skills with a proven ability to collaborate with a team.
• Excellent analytical and problem-solving skills.
• Extensive knowledge of computer systems and programming.
• Excellent organizational skills and attention to detail.
• Proficient with Microsoft Office Suite or related software.
• Proficient with or able to quickly learn systems and software used by the organization.
• Be able to travel.

Academic Requirements and Professional Certifications

• Bachelor’s degree in Computer Science or Information Systems, or related field.
• Master’s degree in Computer Science or a Business related field is considered an asset.
• Project Management Certification: Prince 2, PMP and/or Agile (Scrum Master) is considered an asset.
• Information Technology Infrastructure Library (ITIL) is considered an asset.
• Possession of the TOGAF® 9 Certified qualification is considered a valuable asset.

Languages:

• English level B2 (Written and spoken).
• Spanish language is considered an asset.

Benefits
+ Flexible working hours
+ Gym on Premises
+ 1 day extra Birthday Leave
+ Health Insurance
+ Life Insurance
+ Canteen Allowance
+ Transport Allowance
+ Longer Maternity / Paternal leave
+ Returning mothers Benefit
+ Children Sick Leave
+ Pension Plan Incentive
+ Active Ageing Incentive
+ Study / Exam Leave
+ Sports and Cultural Leave
+ Sponsorship for Training
+ Canteen Facility

Applicants are kindly requested to send a CV together with a covering letter on mapfrecareers@middlesea.com