Remote Underwriter Jobs in Minnesota (NOW HIRING)

At UnitedHealthcare, we're simplifying the health care experience, creating healthier communities and removing barriers to quality care. The work you do here impacts the lives of millions of people for the better. Come build the health care system of tomorrow, making it more responsive, affordable and optimized. Ready to make a difference? Join us to start Caring. Connecting. Growing together
We are seeking a Sr AI/ML Engineer to join our LMIS team in supporting UnitedHealthcare Employer & Individual (E&I) modernization and our underwriting team. In this role, you will design, build, and optimize cutting-edge AI and machine learning solutions that directly improve underwriting workflows, simplify the healthcare benefits planning experience, and modernize core legacy systems. You will work within a collaborative environment leveraging a modern technology stack, including Python, high-performance web APIs, Large Language Models (LLMs), retrieval-augmented generation (RAG) pipelines, Model Context Protocol (MCP), and agent-to-agent communication protocols. Your work will be highly impactful, helping to automate complex underwriting processes, streamline benefit assessments, and deploy production-ready AI models and agentic AI capabilities to enhance operational efficiency. If you are passionate about applying artificial intelligence to transform underwriting processes and accelerate health benefits modernization, join us to start Caring. Connecting. Growing together.
You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week.
Primary Responsibilities:

• Design, develop, and deploy AI-powered solutions and platforms to address complex business challenges with a solid emphasis on the responsible use of AI
• Design and implement retrieval-augmented generation (RAG) pipelines that integrate enterprise knowledge sources, vector search, embeddings, and LLM orchestration patterns
• Support agentic AI architectures by integrating Model Context Protocol (MCP) capabilities and agent-to-agent communication protocols for secure, interoperable workflow execution
• Leverage enterprise-approved AI tools to enhance productivity and innovation by streamlining workflows and automating repetitive engineering tasks
• Evaluate emerging trends and approved toolsets in the AI/ML landscape to inform solution design, architectural decisions, and strategic underwriting and modernization initiatives
• Design, develop, and optimize robust AI/ML capabilities using Python to address complex underwriting and benefit determination business needs
• Build, integrate, and maintain high-performance, secure API endpoints to expose machine learning models and LLM functionalities to core underwriting systems
• Integrate Large Language Models (LLMs) and advanced AI model architectures into production environments to enhance user workflows, benefit assessments, and operational efficiency
• Collaborate with software engineers, data engineers, and underwriting stakeholders to deliver scalable machine learning pipelines and microservices.
• Ensure high availability, security, and performance of deployed models through rigorous testing, monitoring, and debugging

You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.
Required Qualifications:

• 5+ years of software engineering, system integration, or machine learning engineering experience
• 3+ years of professional experience developing and deploying robust web APIs (such as FastAPI, Flask, or RESTful services) in production environments
• 3+ years of experience programming in Python, including standard machine learning libraries (such as NumPy, Pandas, Scikit-Learn, PyTorch, or TensorFlow)
• 1+ years of hands-on experience integrating or working with Large Language Models (LLMs) or generative AI concepts
• Experience designing or implementing retrieval-augmented generation (RAG) pipelines, including embeddings, vector databases, semantic search, and LLM orchestration
• Driver's License and access to reliable transportation

Preferred Qualifications:

• Bachelor's degree in Computer Science, Data Science, Artificial Intelligence, or a related field (or equivalent years of experience)
• Experience in health insurance, financial services, or supporting underwriting systems and technologies
• Experience utilizing generative AI development tools (such as LangChain, Hugging Face, or prompt engineering frameworks) to build application solutions
• Experience with vector databases, knowledge retrieval patterns, prompt grounding, tool calling, or enterprise search integration
• Familiarity with agent orchestration frameworks, multi-agent systems, MCP servers/clients, and secure agent-to-agent communication design patterns
• Familiarity with MLOps frameworks, model performance monitoring, and model registries
• Experience with cloud platform environments (e.g., Azure, AWS, GCP) and containerization tools (such as Docker or Kubernetes)
• Familiarity with CI/CD deployment pipelines and git-based source control workflows
• Excellent communication and collaboration skills with the ability to articulate technical concepts to both technical and non-technical stakeholders

*All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy
Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $120,100 to $214,500 annually based on full-time employment. We comply with all minimum wage laws as applicable.
Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants.
At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission.
UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations.
UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.
#optumtechpj