Financial Representative Jobs in USA with Visa Sponsorship
Financial Representative roles attract H-1B visa and E-3 visa sponsorship from banks, insurance carriers, and wealth management firms. Most positions require a finance-related bachelor's degree to qualify as a specialty occupation, and FINRA licensing (Series 6, 63, or 65) is typically expected alongside the visa petition. For detailed occupation requirements, see the O*NET profile.
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Get Access To All JobsDescription
Summary:
The associate is responsible for the duties and services that are of a support nature to the Revenue Cycle division of CHRISTUS Health. The associate ensures that all processes are performed in a timely and efficient manner. The primary purpose of this Job is to ensure account resolution and reconciliation of outstanding balances for CHRISTUS Health patient accounts. The Job works in a cooperative team environment to provide value to internal and external customers.
The associate carries out his/her duties by adhering to the highest standards of ethical and moral conduct, acts in the best interest of CHRISTUS Health, and fully supports CHRISTUS Health's Mission, Philosophy, and core values of Dignity, Integrity, Compassion, Excellence, and Stewardship.
Responsibilities:
- Meets expectations of the applicable OneCHRISTUS Competencies: Leader of Self, Leader of Others, or Leader of Leaders.
- Performs Revenue Cycle functions in a manner that meets or exceeds CHRISTUS Health's key performance metrics.
- Ensures PFS departmental quality and productivity standards are met.
- Collects and provides patient and payor information to facilitate account resolution.
- Responds to all types of account inquiries through written, verbal, or electronic correspondence.
- Maintains payor-specific knowledge of insurance and self-pay billing and follow-up guidelines and regulations for third-party payers. Maintains working knowledge of all functions within the Revenue Cycle.
- Responsible for professional and effective written and verbal communication with both internal and external customers in order to resolve outstanding questions for account resolution.
- Meets or exceeds customer expectations and requirements, and gains customer trust and respect.
- Compliant with all CHRISTUS Health, payer, and government regulations.
- Exhibits a strong working knowledge of CPT, HCPCS, and ICD-10 coding regulations and guidelines.
- Appropriately documents patient accounting host system or other systems utilized by PFS in accordance with policy and procedures.
- Provide continuous updates and information to the PFS Leadership Team regarding errors, issues, and trends related to activities affecting productivity, reimbursement, payment delays, and/or patient experience.
- Must have professional and effective written and verbal communication.
- Billing
- Review and work on claim edits.
- Works payor rejected claims for resubmission.
- Works reports and billing requests.
- Demonstrates strong knowledge of standard bill forms and filing requirements.
- Exhibits an understanding of electronic claims editing and submission capabilities.
- Collections
- Collect balances due from payors ensuring proper reimbursement for all services.
- Identifies and forwards proper account denial information to the designated departmental liaison. Dedicated efforts to ensure a proper denial resolution and timely turnaround.
- Maintain an active knowledge of all collection requirements by payors.
- Works collector queue daily utilizing appropriate collection system and reports.
- Demonstrates knowledge of standard bill forms and filing requirements.
- Identify and resolve underpayments with the appropriate follow-up activities within payor timely guidelines.
- Identify and resolve credit balances with the appropriate follow-up activities within payor timely guidelines.
- Identify and communicate trends impacting account resolution.
- Cash Reconciliation
- Ensures all payments are retrieved and posted accurately and timely through reconciliation of patient accounting system and bank statement.
- Researches submitted cash payments by verifying patient account numbers and appropriate facilities.
- Monitor and performs cash reconciliation to identify cash posting errors and ensures all receipts are applied and reconciles to daily bank deposit and monthly bank statements.
- Review and post cash corrections, including resolving patient complaints and inquiries from PFS, Finance, Facilities, and Vendor Partners.
- Resolve and Research unapplied cash, including continuous follow-up until payment identification is made for application of payment or refund.
Job Requirements:
Education/Skills
- HS Diploma or equivalent years of experience required.
- Post HS education preferred.
Experience
- 3-5 years of experience preferred.
- Experience working within a multi-facility hospital business office environment preferred.
- College education, previous Insurance Company claims experience and/or health care billing trade school education may be considered in lieu of formal hospital experience.
- Experience working with inpatient and outpatient billing requirements of UB-04 and HCFA 1500 billing forms preferred.
Licenses, Registrations, or Certifications
- None required.
Work Schedule:
8AM - 5PM Monday-Friday
Work Type:
Full Time
Description
Summary:
The associate is responsible for the duties and services that are of a support nature to the Revenue Cycle division of CHRISTUS Health. The associate ensures that all processes are performed in a timely and efficient manner. The primary purpose of this Job is to ensure account resolution and reconciliation of outstanding balances for CHRISTUS Health patient accounts. The Job works in a cooperative team environment to provide value to internal and external customers.
The associate carries out his/her duties by adhering to the highest standards of ethical and moral conduct, acts in the best interest of CHRISTUS Health, and fully supports CHRISTUS Health's Mission, Philosophy, and core values of Dignity, Integrity, Compassion, Excellence, and Stewardship.
Responsibilities:
- Meets expectations of the applicable OneCHRISTUS Competencies: Leader of Self, Leader of Others, or Leader of Leaders.
- Performs Revenue Cycle functions in a manner that meets or exceeds CHRISTUS Health's key performance metrics.
- Ensures PFS departmental quality and productivity standards are met.
- Collects and provides patient and payor information to facilitate account resolution.
- Responds to all types of account inquiries through written, verbal, or electronic correspondence.
- Maintains payor-specific knowledge of insurance and self-pay billing and follow-up guidelines and regulations for third-party payers. Maintains working knowledge of all functions within the Revenue Cycle.
- Responsible for professional and effective written and verbal communication with both internal and external customers in order to resolve outstanding questions for account resolution.
- Meets or exceeds customer expectations and requirements, and gains customer trust and respect.
- Compliant with all CHRISTUS Health, payer, and government regulations.
- Exhibits a strong working knowledge of CPT, HCPCS, and ICD-10 coding regulations and guidelines.
- Appropriately documents patient accounting host system or other systems utilized by PFS in accordance with policy and procedures.
- Provide continuous updates and information to the PFS Leadership Team regarding errors, issues, and trends related to activities affecting productivity, reimbursement, payment delays, and/or patient experience.
- Must have professional and effective written and verbal communication.
- Billing
- Review and work on claim edits.
- Works payor rejected claims for resubmission.
- Works reports and billing requests.
- Demonstrates strong knowledge of standard bill forms and filing requirements.
- Exhibits an understanding of electronic claims editing and submission capabilities.
- Collections
- Collect balances due from payors ensuring proper reimbursement for all services.
- Identifies and forwards proper account denial information to the designated departmental liaison. Dedicated efforts to ensure a proper denial resolution and timely turnaround.
- Maintain an active knowledge of all collection requirements by payors.
- Works collector queue daily utilizing appropriate collection system and reports.
- Demonstrates knowledge of standard bill forms and filing requirements.
- Identify and resolve underpayments with the appropriate follow-up activities within payor timely guidelines.
- Identify and resolve credit balances with the appropriate follow-up activities within payor timely guidelines.
- Identify and communicate trends impacting account resolution.
- Cash Reconciliation
- Ensures all payments are retrieved and posted accurately and timely through reconciliation of patient accounting system and bank statement.
- Researches submitted cash payments by verifying patient account numbers and appropriate facilities.
- Monitor and performs cash reconciliation to identify cash posting errors and ensures all receipts are applied and reconciles to daily bank deposit and monthly bank statements.
- Review and post cash corrections, including resolving patient complaints and inquiries from PFS, Finance, Facilities, and Vendor Partners.
- Resolve and Research unapplied cash, including continuous follow-up until payment identification is made for application of payment or refund.
Job Requirements:
Education/Skills
- HS Diploma or equivalent years of experience required.
- Post HS education preferred.
Experience
- 3-5 years of experience preferred.
- Experience working within a multi-facility hospital business office environment preferred.
- College education, previous Insurance Company claims experience and/or health care billing trade school education may be considered in lieu of formal hospital experience.
- Experience working with inpatient and outpatient billing requirements of UB-04 and HCFA 1500 billing forms preferred.
Licenses, Registrations, or Certifications
- None required.
Work Schedule:
8AM - 5PM Monday-Friday
Work Type:
Full Time
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Get Access To All JobsTips for Finding Financial Representative Jobs
Target employers with active LCA filings
Large financial institutions like JPMorgan Chase, Northwestern Mutual, and Prudential have consistent LCA filing histories for Financial Representative roles, signaling established sponsorship processes rather than one-off arrangements that can fall apart mid-application.
Confirm your degree matches the role
USCIS requires a direct relationship between your degree field and the job. A finance, economics, or business degree supports most Financial Representative petitions. A general arts degree, even with strong sales experience, creates specialty occupation challenges that can trigger an RFE.
Get FINRA licensing underway early
Many employers won't initiate H-1B sponsorship until you hold a Series 6 or Series 65 license. Sitting for exams before your job search, or immediately after an offer, removes a common bottleneck that delays petition filing by weeks or months.
Distinguish yourself on compliance and regulatory knowledge
Financial Representatives working in broker-dealer or RIA settings need SEC and FINRA compliance fluency. Highlighting regulatory knowledge in your resume signals you're operationally ready on day one, which reduces employer hesitation about the cost and effort of sponsorship.
Understand the E-3 advantage if you're Australian
Australian nationals can pursue E-3 sponsorship for Financial Representative roles without entering the H-1B lottery. The E-3 has no annual cap, processes consularly in Australia in two to four weeks, and can be renewed indefinitely in two-year increments.
Frame your value around a book of business or client segment
Employers sponsor visas when the candidate solves a specific business problem. If you bring a bilingual client capability, international network, or expertise in a niche product line, that specificity gives hiring managers a concrete case to bring to legal and finance teams.
Financial Representative jobs are hiring across the US. Find yours.
Find Financial Representative JobsFrequently Asked Questions
Do Financial Representative jobs qualify for H-1B sponsorship?
Yes, but approval depends on how the role is structured. USCIS requires Financial Representative positions to qualify as specialty occupations, meaning the job must normally require a bachelor's degree in a specific field like finance, economics, or accounting. Roles framed around general sales or client acquisition without a clear degree requirement are more likely to face RFEs or denials, so job title and job description alignment matters significantly.
Which visa categories apply to Financial Representative roles?
H-1B is the most common pathway for Financial Representatives, requiring employer sponsorship and lottery selection. Australian nationals can use the E-3 visa, which bypasses the lottery entirely and processes much faster. Candidates already holding TN status (Canadian or Mexican nationals) may also qualify if the role maps cleanly to a covered TN profession. Browse Financial Representative openings on Migrate Mate to identify which employers are actively sponsoring each visa type.
Does a Financial Representative need a finance degree specifically?
Not necessarily finance specifically, but the degree must relate directly to the role. Economics, accounting, business administration with a finance concentration, and financial planning degrees all typically support a specialty occupation finding. A general business degree with no finance coursework is riskier. Some employers supplement weaker degree matches with a professional evaluation letter from a credential assessment service to strengthen the petition.
How does FINRA licensing interact with visa sponsorship timing?
Sponsorship and licensing often create a timing conflict. You need employment to sit for certain FINRA exams, but some employers want licensing before filing the visa petition. The most practical resolution is to negotiate a conditional start date or a pre-offer exam arrangement. Series 65 is state-administered and can be taken without employer sponsorship, making it a good credential to obtain before your job search.
Are independent contractor or commission-only Financial Representative roles sponsorable?
Commission-only and independent contractor arrangements are generally not sponsorable under H-1B, which requires an employer-employee relationship with the petitioning company. Roles where the company controls your schedule, tools, and work product qualify. Purely commission-based 1099 arrangements do not. If a Financial Representative offer is structured as independent contracting, clarify employment classification before pursuing sponsorship, as USCIS will scrutinize the arrangement carefully.
What is the prevailing wage requirement for sponsored Financial Representative jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.
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