Senior Enterprise Risk & Capital Strategy Analyst

This is a fully remote position, open to applicants in United States.

📋 Description

• Play a vital role in maintaining financial strength, optimizing capital allocation, and assessing strategic growth prospects.

• Collaborate closely with actuarial, finance, investments, and executive leadership to facilitate data-driven decisions that balance risk, return, and regulatory obligations.

• Directly impact the company’s financial resilience and growth strategy by ensuring appropriate risk-taking, efficient capital deployment, and thorough evaluation of strategic opportunities.

• Contribute significantly to sustaining robust regulatory compliance and nurturing relationships with rating agencies.

• Assess strategic initiatives such as Mergers & Acquisitions (M&A), reinsurance deals, distribution partnerships, and new product/market introductions.

• Develop and review financial models for acquisitions, divestitures, and strategic investments.

• Conduct valuation analyses, including discounted cash flow (DCF), comparable company assessments, and embedded value when applicable.

• Perform industry and competitor analyses within the life, annuity, and/or Property & Casualty (P&C) sectors.

• Assist in due diligence and integration planning for transactions.

• Create and maintain capital models that adhere to regulatory and economic frameworks (e.g., risk-based capital [RBC], economic capital, and rating agency models like AM Best/Standard & Poor’s [S&P]).

• Analyze capital adequacy and aid in capital allocation decisions across various business lines.

• Execute sensitivity and scenario testing to evaluate effects on surplus, earnings, and ratings.

• Partner with actuarial and finance teams on projections, reserve impacts, and asset-liability management (ALM).

• Assist with ORSA filings, rating agency submissions, and capital-related disclosures.

• Aid in the design, enhancement, and execution of the company’s ERM framework in compliance with National Association of Insurance Commissioners (NAIC) and Own Risk and Solvency Assessments (ORSA) requirements.

• Identify, evaluate, and monitor significant risks, including underwriting, market, credit, liquidity, and operational risks.

• Lead risk assessments, scenario analyses, and stress testing (e.g., interest rate shocks, catastrophe events, lapse risk).

• Prepare risk reports and dashboards for senior management and the Board.

• Work with business units to formulate and monitor risk mitigation strategies.

⛳️ Requirements

• Bachelor’s degree in Actuarial Science, Finance, Economics, Mathematics, or a related discipline.

• 5–10+ years of experience in insurance risk management, actuarial science, corporate finance, investment banking, or strategy.

• Strong grasp of insurance fundamentals, including reserving, pricing, reinsurance, and ALM.

• Familiarity with capital frameworks such as RBC and/or economic capital models.

• Progress towards or achievement of FSA/ASA, CFA, or MBA is highly preferred.

• Proficient in advanced Excel; experience with modeling tools (e.g., Python, R, VBA, Prophet, AXIS, or similar) is advantageous.

🏝️ Benefits

• Competitive salary and performance-based bonuses.

• Comprehensive health, dental, and vision insurance.

• Retirement savings plan with company matching.

• Opportunities for professional development and continuous learning.

• Flexible work arrangements and a supportive work environment.