Client Financial Analyst

Job Description

Are you passionate about turning data into insights that drive strategic decisions? Join our dynamic finance team as a Client Financial Analyst, where you'll play a critical role in managing and analyzing financial claims expenses to support business operations and long-term planning.

In this role, you will:

- Own the financial claims expense process — from preparing detailed invoices and reports to analyzing trends and forecasting future healthcare costs.
- Drive month-end close activities, ensuring accurate and timely financial statements through collaboration with cross-functional teams.
- Investigate and resolve complex financial inquiries, performing root cause analysis across claims, policies, products, rates, and more.
- Deliver actionable insights by interpreting historical data and projecting future trends, helping shape strategic decisions across the organization.
- Collaborate with stakeholders in finance, underwriting, sales, and operations to ensure financial accuracy and transparency.

This is more than just a numbers role — it's an opportunity to influence the financial health of the organization while growing your analytical and strategic skills in a supportive, fast-paced environment.

What You’ll Do 

• Develop, analyze, interpret, report, and present historical and/or forecasted financial claims expense and stop loss coverage information.

  • Prepare claims expense financials, estimated claim expense and financial forecasts. Prepare financial and business-related analysis and research.

  • Coordinate and direct the preparation of stop loss coverage for employer groups or stop loss vendors based on actual high dollar claims and/or claimants’ performance, previous stop loss credits, estimated claims expense, expense reports and other factors.

• Prepare reports and analysis for various audiences such as Self-Funded Groups (Employer), Stop Loss Vendors, Sales, Underwriting, etc. Responsible for monthly variance analysis (at employer group level or consolidated company level).

• Act as a consultant for management on financial policy, procedure and application as well as historical, plan and forecasting.

• Review and check for accuracy of various internal and external reports, such as membership, commissions, and the impact of large claims on the administrative services and stop loss coverage for use in financial analysis.

• Prepare employer group transactions and Statement of account reconciliations, assist with the monthly, run out and final close out activities, prepare schedules and other general accounting functions.

• Process a variety of client transactions that may include suspended and/or hold of claims, Run out administrative fees, and/or employer group settlement.

• Determine benefit eligibility for stop loss coverage on claims for specific claimants based on contract terms. Includes a variety of stop loss vendor transactions such as inquiries regarding utilization, provider information, medical reviews, Leave of absence language, COBRA benefits, and plan documentation.

• Act as a point of contact for internal and/or external audits and projects as necessary; assist in planning, scoping, testing, training and implementation.

• Perform quality reviews of operational inquiries to determine the accuracy of information provided and ensure employees are functioning at the expected level of service to enhance customer satisfaction.  Communicate the results of the reviews to improve individual and overall performance and make recommendations for coaching and training as necessary.

• Handle more complex problems of eligibility and documentation with producers. May provide additional information to underwriting staff when submitting referrals for exception consideration.

What You Bring

• Bachelor's degree or advanced degree (where required)

• 3+ years of experience in related field

• In lieu of degree, 5+ years of experience in related field

Bonus Points

• Proficient in Excel

• Effective written and oral communication,

• Strong analytical and problem solving skills

• Detail oriented

• Excellent time management skills

• Strong Prioritization & Decision-Making

• Ability to thrive both autonomously and collaboratively in dynamic team environments.

• Confidently present insights and information to internal and external stakeholders.

• Foster stro