Sr Enterprise Risk & Capital Strategy Analyst
Enterprise Risk & Capital Strategy Principal Remote Position Summary This role supports enterprise risk management, capital strategy, and strategic growth initiatives. Partners across actuarial, finance, and investments to drive data-informed decisions that balance risk, return, and regulatory requirements while supporting financial strength and growth. Essential Job Functions
- 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.
Corporate Development & Strategy
- Evaluate strategic initiatives including Mergers & Acquisitions (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 (discounted cash flow [DCF], comparable companies, embedded value where applicable).
- Conduct industry and competitor analysis across life, annuity, and/or Property & Casualty (P&C) markets.
- Support due diligence and integration planning for transactions.
Capital Modeling & Financial Planning
- Develop and maintain capital models across regulatory and economic frameworks (e.g., risk-based capital [RBC], economic capital, rating agency models such as AM Best/Standard & Poor's [S&P]).
- Analyze capital adequacy and support capital allocation decisions across business lines.
- Perform sensitivity and scenario testing to assess impacts on surplus, earnings, and ratings.
- Partner with actuarial and finance teams on projections, reserve impacts, and asset-liability management (ALM).
- Support ORSA filings, rating agency submissions, and capital-related disclosures.
Enterprise Risk Management (ERM)
- Support the design, enhancement, and execution of the company's ERM framework in alignment with National Association of Insurance Commissioners (NAIC) and Own Risk and Solvency Assessments (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.
Qualifications
- 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.
Key Competencies
- Strong quantitative and analytical capabilities.
- Investment Banking Experience.
- Ability to translate complex actuarial/financial concepts into business insights.
Compensation: $105,200.00 - $147,950.00