Surety Underwriter & Bond Specialist

Compensation: all experts are paid a flat $800 upon successful completion of the onboarding process, which we estimate takes approximately 10 hours. After successfully completing onboarding, you will be converted to $80/hour.

About the Role

Mercor is partnering with a leading AI lab to train frontier models on high-quality insurance reasoning data. We're hiring Surety Underwriters & Bond Specialists to design realistic bonding, credit-analysis and bond-claim scenarios, evaluate model outputs against established market standards, and help shape how the next generation of AI reasons about contractor capacity, obligee requirements and default resolution.

We welcome contract and commercial surety underwriters, bond producers, surety claims professionals, and surety credit analysts from carriers, agencies, reinsurers and bond departments. Surety is a credit-driven discipline distinct from hazard underwriting, and this role reflects that.

What You'll Do

• Design realistic scenarios involving bid, performance and payment bonds, single and aggregate capacity, work-in-progress analysis, indemnity and collateral, commercial and court bonds, and bond-default resolution
• Create work products such as capacity recommendations, credit analyses, bond approvals and declinations, obligee form reviews, indemnity requirements and claim-resolution strategies
• Write "golden" reference responses at experienced surety-professional quality
• Grade AI-generated responses against structured rubrics for credit judgment, capacity reasoning, contract and bond-form accuracy, and default-resolution realism
• Identify misread financial statements, overstated capacity, confusion between surety and insurance obligations, mishandled obligee requirements, and unrealistic default or recovery strategies
• Provide written feedback the research team uses to improve model behavior
• Participate in onboarding office hours and calibration sessions

You're a Good Fit If You

• Have 2+ years of professional experience in surety underwriting, bond production, surety claims, or contract-surety credit analysis
• Have worked with at least one bond category, such as contract surety, commercial surety, court and fiduciary bonds, license and permit bonds, or subdivision bonds
• Can read contractor financial statements and work-in-progress schedules and translate them into capacity and credit conclusions
• Understand the three-party surety relationship and how indemnity, collateral and subrogation differ from insurance loss payment
• Demonstrate excellent written reasoning, commercial and credit judgment, and high attention to detail
• Can distinguish surety credit decisions from property-casualty risk underwriting and ordinary claim adjudication

Bonus Qualifications

• AFSB, CPCU, ARM, CPA, or comparable designation
• Both underwriting and surety-claims experience
• Experience with AIA and other standard bond forms, or with public-works statutory bond requirements
• Contractor default resolution: takeover, tender, financing or completion-agreement experience
• SBA bond guarantee, funds control, or small and emerging contractor program experience

Role Highlights

• Minimum 20 hours per week (ideally 40+)
• Role starts immediately, applications reviewed on a rolling basis

We consider all qualified applicants without regard to legally protected characteristics and provide reasonable accommodations upon request.

Contract and Payment Terms

• You will be engaged as an independent contractor.
• This is a fully remote role that can be completed on your own schedule.
• Projects can be extended, shortened, or concluded early depending on needs and performance.
• Your work at Mercor will not involve access to confidential or proprietary information from any employer, client, or institution.
• Payments are weekly on Stripe or Wise based on services rendered.
• Please note: We are unable to support H1-B or STEM OPT candidates at this time.

About Mercor

Mercor partners with leading AI labs and enterprises to train frontier models using human expertise. You will work on projects that focus on training and enhancing AI systems. You will be paid competitively, collaborate with leading researchers, and help shape the next generation of AI systems in your area of expertise.