Enterprise Risk and Capital Strategy Principal

🕒 Abril 7

🇺🇸 Estados Unidos – Remoto (EUA)

💵 $105.200 - $147.950 / ano

⏰ Tempo Integral

🔴 Especialista

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Horace Mann

SiteLinkedInTodas as Vagas

1001 - 5000 funcionários

Fundada em 1945

💸 Finanças

📚 Educação

Insurance • Finance • Education

A Horace Mann é uma empresa que oferece soluções abrangentes de seguros e financeiras, especialmente desenvolvidas para educadores e trabalhadores do setor público. A empresa oferece uma ampla gama de opções de seguros, incluindo seguro de automóvel, residencial, de locatários, de responsabilidade civil, de vida e seguros suplementares. Além dos seguros, a Horace Mann fornece estratégias de aposentadoria e soluções financeiras, como Planos de Poupança Universitária 529, gestão de investimentos e soluções para empréstimos estudantis, projetadas especificamente para ajudar educadores. Eles estão comprometidos em apoiar educadores através de diversos programas, workshops, webinars e iniciativas de parceria que auxiliam no bem-estar financeiro profissional e pessoal. A Horace Mann é reconhecida por sua forte estabilidade financeira e práticas de governança ética, garantindo segurança e privacidade para seus quase um milhão de clientes educadores em todo o país.

Descrição

• Play a critical part in ensuring financial strength, optimizing capital allocation, and evaluating strategic growth opportunities. • Partner closely with actuarial, finance, investments, and executive leadership to drive data-informed decisions that balance risk, return, and regulatory requirements. • Influence the company’s financial resilience and growth strategy directly by ensuring appropriate risk-taking, efficient capital deployment, and disciplined evaluation of strategic opportunities. • Play a key role in maintaining strong regulatory standing and supporting rating agency relationships. • Support the design, enhancement, and execution of the company’s ERM framework in alignment with NAIC and ORSA requirements. • Identify, assess, and monitor key risks including underwriting, market, credit, liquidity, and operational risks. • Lead risk assessments, scenario analysis, and stress testing (e.g., interest rate shocks, catastrophe events, lapse risk). • Prepare risk reports and dashboards for senior management and the Board. • Collaborate with business units to develop and track risk mitigation strategies. • Evaluate strategic initiatives including M&A, reinsurance transactions, distribution partnerships, and new product/market entry. • Build and review financial models for acquisitions, divestitures, and strategic investments. • Perform valuation analyses (DCF, comparable companies, embedded value where applicable). • Conduct industry and competitor analysis across life, annuity, and/or P&C markets. • Support due diligence and integration planning for transactions. • Develop and maintain capital models across regulatory and economic frameworks (e.g., RBC, economic capital, rating agency models such as AM Best/S&P).

🎯 Requisitos

• Bachelor’s degree in Actuarial Science, Finance, Economics, Mathematics, or related field. • 5–10+ years of experience in insurance risk management, actuarial, corporate finance, investment banking, or strategy. • Strong understanding of insurance fundamentals (reserving, pricing, reinsurance, ALM). • Experience with capital frameworks such as RBC and/or economic capital models. • Progress toward or attainment of FSA/ASA, CFA, or MBA strongly preferred. • Advanced Excel skills; experience with modeling tools (e.g., Python, R, VBA, Prophet, AXIS, or similar) is a plus.