We are a leading financial services provider committed to making decisions easier and lives better for our customers and colleagues around the world. From our environmental initiatives to our community investments, we lead with values throughout our business. To help us stand out, we help you step up, because when colleagues are healthy, respected and meaningfully challenged, we all thrive. Discover how you can grow your career, make impact and drive real change with our Winning Team today.

　　Working Arrangement

　　Hybrid

　　Job Description

　　Reporting to the AVP & Actuary - Pricing, Research and Development, the Actuarial Director - Pricing Research & Development will primarily support all pricing and R&D initiatives related to Underwriting Innovation.

　　Key Responsibilities:

　　Supports all pricing and R&D initiatives related to Underwriting Innovation, and assist with securing internal stakeholder approvals and reinsurer support for underwriting changes and programs

　　Review and recommend assumptions specific to new products and underwriting processes or data sources, including mortality, morbidity, and expected distribution of risk classes

　　Work with cross-functional teams both internally and externally to prioritize underwriting and new business initiatives and partnerships, review systems requirements and implementation of underwriting initiatives, and champion a culture of change related to the life insurance buying process while managing risk of mortality impacts

　　Support sales goals and profitability of product while continuing to comply with corporate guidelines and regulatory environment

　　Develop and maintain pricing tools and dashboards to monitor and assess program outcomes, using SQL, Tableau and other software to review experience data, uncover insights, and support future opportunities

　　Provide actuarial support to underwriting, marketing, distribution, strategy and IT areas

　　Lead/participate in ad hoc projects related to underwriting guidelines and new business application processes as necessary

　　Take initiative to drill down deeply into some subject matters in order to become department’s “expert”

　　Take initiative to suggest changes in department’s processes and procedures

　　Synthesize experiences from other projects within the department to find solutions to current problems

　　Perform top-down analysis of results and uses rules of thumb to identify areas for further investigation

　　Drive significant improvement within the department or BU by obtaining key management buy in

　　Decision Authorities:

　　Prioritizing and reprioritizing work deliverables and projects

　　General modeling approach

　　Managing internal and external resources to achieve targets if applicable

　　Detail documentation for product requirements and filing products

　　What motivates you?

　　You obsess about customers, listen, engage and act for their benefit.

　　You think big, with curiosity to discover ways to use your agile approach and enable business outcomes.

　　You thrive in teams and enjoy getting things done together.

　　You take ownership and build solutions, focusing on what matters.

　　You do what is right, work with integrity and speak up.

　　You share your humanity, helping us build a diverse and inclusive work environment for everyone.

　　What we are looking for

　　Fellow of the Society of Actuaries (FSA) or equivalent years of relevant life insurance or reinsurance experience with an actuarial background.

　　Excellent analytical and problem-solving ability combined with very strong technical actuarial skills.

　　Risk management focus, with ability to see beyond traditional measures and identify emerging issues.

　　Ability to respond to changing demands from multiple stakeholders and prioritize needs and results while working under deadline pressure.

　　Detail oriented, with strong general programming skills and ability to develop organized, creative and consistent solutions to diverse and complex problems.

　　Experience with any of US individual life insurance (product development), reinsurance, experience studies, or life insurance underwriting an asset.

　　Practical experience with Agile frameworks, Jira management an asset.

　　What can we offer you?

　　A competitive salary and benefits packages.

　　A growth trajectory that extends upward and outward, encouraging you to follow your passions and learn new skills.

　　A focus on growing your career path with us.

　　Flexible work policies and strong work-life balance.

　　Professional development and leadership opportunities.

　　Our commitment to you

　　Values-first cultureWe lead with our Values every day and bring them to life together.

　　Boundless opportunityWe create opportunities to learn and grow at every stage of your career.

　　Continuous innovationWe invite you to help redefine the future of financial services.

　　Delivering the promise of Diversity, Equity and InclusionWe foster an inclusive workplace where everyone thrives.

　　Championing Corporate CitizenshipWe build a business that benefits all stakeholders and has a positive social and environmental impact.

　　#LI-JH-Hybrid

　　About Manulife and John Hancock

　　Manulife Financial Corporation is a leading international financial services group that helps people make their decisions easier and lives better. With our global headquarters in Toronto, Canada, we operate as Manulife across our offices in Asia, Canada, and Europe, and primarily as John Hancock in the United States. We provide financial advice, insurance, and wealth and asset management solutions for individuals, groups and institutions. At the end of 2022, we had more than 40,000 employees, over 116,000 agents, and thousands of distribution partners, serving over 34 million customers. At the end of 2022, we had $1.3 trillion (US$1.0 trillion) in assets under management and administration, including total invested assets of $0.4 trillion (US $0.3 trillion), and segregated funds net assets of $0.3 trillion (US$0.3 trillion). We trade as ‘MFC’ on the Toronto, New York, and the Philippine stock exchanges, and under ‘945’ in Hong Kong.

　　Manulife is an Equal Opportunity Employer

　　At Manulife /John Hancock , we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour , ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.

　　It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process . All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies . To request a reasonable accommodation in the application process, contact .

　　Salary & Benefits

　　The annual base salary for this role is listed below.

　　Primary Location

　　Boston, Massachusetts

　　Salary range is expected to be between

　　$114,975.00 USD - $206,955.00 USD

　　If you are applying for this role outside of the primary location, please contact for the salary range for your location. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance.

　　Manulife/John Hancock offers eligible employees a wide array of customizable benefits, including health, dental, mental health, vision, short- and long-term disability, life and AD&D insurance coverage, adoption/surrogacy and wellness benefits, and employee/family assistance plans. We also offer eligible employees various retirement savings plans (including pension/401(k) savings plans and a global share ownership plan with employer matching contributions) and financial education and counseling resources. Our generous paid time off program in the U.S. includes up to 11 paid holidays, 3 personal days, 150 hours of vacation, and 40 hours of sick time (or more where required by law) each year, and we offer the full range of statutory leaves of absence.

　　Company: John Hancock Life Insurance Company (U.S.A.)