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Role Description

The Director of Risk Management sets the enterprise risk strategy and integrates it with broader organizational goals. This role directs Property & Casualty insurance programs, leads enterprise risk management (ERM) frameworks, and owns the total cost of risk (TCOR) agenda, balancing coverage, retention, and long‑range financial forecasting.

• Embeds risk practices into core operations through cross‑functional partnerships (Legal, Finance, Safety, Operations, IT).
• Applies analytics and RMIS technology to identify loss drivers and mitigation opportunities.
• Develops KPIs that elevate transparency for executive and board audiences.
• Success looks like a high‑performing team, optimized insurance structures, strong governance and compliance, and risk management leveraged as a competitive advantage.

Qualifications

• At least 12 years of relevant risk management experience, including management experience, with a Bachelor’s degree or equivalent.
• Deep expertise in commercial Property & Casualty insurance (program design, underwriting negotiations, broker management, layered structures, alternative risk financing).
• Advanced knowledge of ERM frameworks (e.g., COSO ERM), claims administration, loss prevention, and RMIS/technology‑enabled reporting.
• Demonstrated ability to model total cost of risk (premium optimization, deductibles/retentions, captives if applicable) and conduct multi‑year financial forecasting.
• Proven cross‑functional partnership with Legal, Finance, Safety, Operations, and IT to embed risk controls into business processes.
• Exceptional executive communication skills, including board‑level reporting and presentations.
• Preferred professional certifications: RIMS‑CRMP, CRM, FRM, CRCMP, or CRP.
• Up to 25% travel.

Requirements

• Lead enterprise P&C strategy: Own program design, broker oversight, underwriting, renewals, claims, and board‑level reporting.
• Implement ERM & RMIS: Deploy ERM methodologies, risk registers, and RMIS/tech‑enabled reporting for standardized visibility and governance.
• Own total cost of risk (TCOR): Optimize premiums and retentions/deductibles, evaluate captives (as applicable), and drive multi‑year financial forecasting.
• Set enterprise risk policies: Establish policies for property, casualty, cargo, auto, cyber, environmental, and emerging risks aligned to growth.
• Measure and report performance: Define KPIs for claims, broker effectiveness, loss trends, and program efficiency; brief executive leadership on exposures and trends.
• Apply analytics and risk tech: Use advanced analytics and tools to identify loss drivers, model scenarios, and guide operational mitigation strategies.
• Build and lead the team: Develop a high‑performing risk organization across insurance placement, claims, safety collaboration, and risk technology integration.
• Leverage risk competitively: Turn risk optimization into business advantage while ensuring compliance with regulations, rating‑agency standards, and organizational imperatives.

Benefits

• Medical, Dental, and Vision insurance; HSA and FSA options.
• Life and Disability coverage (basic and voluntary).
• Voluntary Accident, Critical Illness, Identity & Fraud Protection, Auto & Home, and Pet Insurance.
• Competitive benefits and 401(k) with company match.
• Referral Bonus Program - Up to $500 per referral!
• Paid Time Off including Holiday pay.
• Employee Assistance Program.
• A safe and clean work environment.