Senior Underwriter - US or Bermuda

The role

The Senior Underwriter will own the US book across six lines and lead complex risks. This person will develop broker relationships, structure bespoke solutions, and manage the US distribution and pipeline.

What you will do

• Lead underwriting across six lines
• Own the US distribution and pipeline
• Lead new business and renewal underwriting for US domiciled digital asset clients
• Quote, negotiate and bind within delegated authority
• Assess custody architecture, key management, and smart contract audit coverage
• Structure bespoke and innovative solutions
• Develop and maintain relationships with major US brokers and specialist intermediaries
• Draft, negotiate and approve endorsements and manuscript amendments
• Work with the Lead Pricing Actuary to apply and refine pricing models
• Complete client risk assessments and sanctions, PEP and adverse media screening

Required qualifications

• 7 or more years in specialty or commercial lines underwriting/broking
• At least 3 years in Financial Lines (D&O, E&O, Crime) or Specie
• Demonstrable personal authority and a track record of profitable results
• Hands-on experience drafting and negotiating policy wordings and endorsements
• Direct involvement in building or materially reshaping an insurance product, programme or facility
• Working knowledge of the US specialty market including surplus lines and fronting structures
• Understanding of custody models, exchange and trading operations, staking and validator economics, DeFi protocols and the regulatory picture for digital asset firms in the US
• Ability to hold a substantive conversation with a CTO, a security auditor or a regulator
• Comfortable underwriting risks with limited loss history
• Clear, precise written work

Nice to have

• Familiarity with the Bermuda regulatory framework (BMA) or other regulated reinsurance or specialty markets
• Cyber underwriting experience, including assessment of SOC 2, penetration testing and incident response maturity
• Professional designations such as CPCU, RPLU, ARe or equivalent
• Ability to use data tools, scripting or AI assistants to work faster and more accurately
• Existing relationships in the US digital asset and FI broking community

About the company

Soter is a regulated specialty insurer, backed by Galaxy Digital, Further Ventures and Brevan Howard, with underwriting operations in Bermuda, London & Dubai.