Head of Insurance and Risk

Circle K • Raleigh, NC

23h

About The Position

The Head of Insurance and Risk is responsible for developing and executing the enterprise‑wide risk and insurance strategy for a large, multi‑site fuel and convenience retail organization. This role oversees global risk governance, insurance program design, and operational risk mitigation across retail stores, fuel operations, logistics fleets, and supply chain networks. A critical component of the position includes direct leadership of casualty claims management, ensuring efficient handling of high‑frequency, high‑severity claims typical in the fuel and convenience retail environment.

Requirements

• Bachelor’s degree required; advanced degree or professional designation (ARM, CPCU, CRM, JD) preferred.
• 12–15+ years of progressive experience in risk management, insurance, or claims leadership, ideally within retail, fuel distribution, logistics, or similarly complex operational environments.
• Deep expertise in casualty claims, including high‑volume retail claims and fleet‑related exposures.
• Strong negotiation skills and established relationships within the insurance and risk management community.
• Proven ability to lead global programs and influence senior stakeholders.
• Exceptional analytical, communication, and strategic‑thinking capabilities.

Responsibilities

• Enterprise Risk Strategy & Governance Build and maintain a comprehensive global risk management framework aligned with operational, financial, environmental, and regulatory priorities.
• Identify and assess risks across retail operations, fuel distribution, transportation, environmental compliance, and supply chain.
• Lead enterprise risk committees, reporting processes, and executive‑level risk communication.
• Advise senior leadership on emerging risks, including environmental liability, cyber threats, regulatory shifts, and market volatility.
• Insurance Program Leadership Design and manage global insurance programs covering property, casualty, auto/fleet, workers’ compensation, environmental liability, cyber, and specialty risks.
• Lead annual renewals, market negotiations, and program structuring to optimize coverage, retentions, and total cost of risk.
• Maintain strong relationships with brokers, carriers, TPAs, and risk engineering partners.
• Ensure insurance programs support business expansion, acquisitions, new store formats, and evolving fuel technologies (EV charging, alternative fuels).
• Casualty Claims Management Oversee end‑to-end management of casualty claims, including: General liability (slip‑and‑fall, premises liability) Auto liability (fleet accidents, fuel transport) Workers’ compensation (retail and logistics workforce) Product liability (fuel quality, foodservice)
• Establish claims handling protocols, reserving standards, and litigation management strategies.
• Partner with TPAs, defense counsel, insurers, and internal stakeholders to drive timely, cost‑effective claim resolution.
• Analyze claims data to identify trends, root causes, and opportunities for operational improvements.
• Ensure compliance with federal and state regulations governing casualty and workers’ compensation claims.
• Operational Risk & Safety Collaborate with operations, environmental health & safety, legal, HR, and supply chain teams to reduce risk exposure across thousands of retail sites and fuel assets.
• Lead development of loss‑prevention programs targeting: Slip‑and‑fall reduction Fuel handling and environmental safety Fleet safety and driver behavior Robbery and crime‑related risk
• Partner with risk engineering teams to implement site‑level improvements and safety standards.
• Financial & Analytical Leadership Manage global insurance budgets, including premiums, retentions, deductibles, and claims reserves.
• Deliver executive‑level reporting on risk metrics, claims performance, and financial impacts.
• Use analytics to forecast risk trends, evaluate program performance, and optimize total cost of risk.
• Leadership & Collaboration Lead and develop a global team of insurance, claims, and risk professionals.
• Foster a culture of risk awareness and accountability across retail, logistics, and corporate functions.
• Serve as a strategic partner to senior executives, providing insights that balance risk mitigation with business growth.

Benefits

• Competitive Salary
• Complete benefits packages (medical, dental, deferred compensation plan, employee stock plan, etc.).
• People Perks which allows for great discounts on food and fuel.
• Vacation / PTO time
• Work in a collaborative, dynamic and high performing team.
• Work for a leading, innovative, and growing company in convenience stores operations.
• Fortune 500 company and a 5-time Gallup Exceptional Workplace Award Winner.
• Tuition reimbursement of $5,000 per year.
• Learning opportunities to develop new skills and to evolve professionally in a fast-growing company.

What This Job Offers

• Job Type: Full-time
• Career Level: Executive