Senior Business Analyst

Independence Pet Group

61d•Remote

About The Position

Established in 2021, Independence Pet Holdings is a corporate holding company that manages a diverse and broad portfolio of modern pet health brands and services, including insurance, pet education, lost recovery services, and more throughout North America. We believe pet insurance is more than a financial product and build solutions to simplify the pet parenting journey and help improve the well-being of pets. As a leading authority in the pet category, we operate with a full stack of resources, capital, and services to support pet parents. Our multi-brand and omni-channel approach include our own insurance carrier, insurance brands and partner brands. PetPlace, a subsidiary of IPH, is building a digital first pet e-commerce platform with the aim of connecting key market services such as adoption, lost pet and insurance to make pet care easy. Job Summary: PetPlace is seeking a Senior Business Analyst who supports accounting operations within a high‑volume, multi‑entity insurance MGA, with a strong focus on premium payment processing, settlement accuracy, and entity‑level financial controls. This role partners with Accounting, Finance, IT, and Operations to ensure Microsoft Dynamics 365 (D365) and integrated payment platforms support scalable, compliant, and auditable premium accounting across multiple legal entities, products, and carriers. Job Location: Remote - USA

Requirements

5+ years of experience in business analysis, accounting operations, or finance transformation.
Experience supporting high‑volume financial transactions, preferably premium payments or customer billing environments.
Experience working within a multi‑entity accounting structure, ideally in an insurance MGA or financial services organization.
Hands‑on experience with Microsoft Dynamics 365 Finance (or similar ERP systems).
Experience supporting or integrating payment processors, including settlement, fees, refunds, and chargebacks.
Strong understanding of accounting principles, month‑end close, reconciliations, and financial controls.
Strong understanding of high‑volume payment processing and accounting implications.
Knowledge of multi‑entity ERP design, including legal entities and financial dimensions.
Proficiency with SQL for data analysis, validation, and reporting.
Ability to design scalable, controlled solutions that support growth and transaction spikes.
Strong analytical, documentation, and stakeholder facilitation skills.
Excellent attention to detail with a control‑ and compliance‑focused mindset.

Responsibilities

High‑Volume Premium & Payment Processing Support and optimize accounting workflows for high‑transaction‑volume premium payments, including credit card, ACH, and digital payment methods.
Analyze end‑to‑end payment flows from customer payment through authorization, settlement, fees, refunds, and chargebacks, ensuring accurate and timely posting into D365.
Partner with Accounting to design and maintain scalable cash application and exception‑handling processes to support peak transaction periods.
Support reconciliation of payment processor settlements to bank activity and D365 subledgers, identifying and resolving timing differences, fees, and failed transactions.
Multi‑Entity MGA Accounting Support accounting processes across multiple legal entities, products, and brands within the MGA structure.
Ensure proper use of company codes, legal entities, and financial dimensions within D365 to support: Entity‑level financial reporting Intercompany activity Carrier and product‑level reporting
Partner with Accounting leadership to ensure premium revenue, commissions, and liabilities are recorded accurately by entity and in accordance with internal accounting policies.
Microsoft Dynamics 365 (D365) Enablement Serve as the accounting business lead for D365 initiatives supporting high‑volume transactions and multi‑entity accounting.
Translate accounting requirements into D365 functional designs, including: Chart of accounts and financial dimensions Posting profiles and subledger structures Automated allocations, accruals, and reclass entries
Partner with IT and vendors to support integrations between payment processors, policy administration systems, and D365, ensuring data accuracy and control integrity.
Controls, Compliance & Risk Ensure high‑volume payment and settlement processes maintain strong internal controls over financial reporting.
Identify and mitigate risks related to: Transaction volume scalability Data integrity across systems Segregation of duties in payment processing
Support audit and regulatory requirements common to insurance MGAs, including documentation and control evidence.
Data, Reporting & Close Efficiency Support improvements to month‑end close processes impacted by premium volume, payment timing, and multi‑entity reconciliations.
Partner with Accounting and Finance to enhance reporting related to: Premium collections Carrier payables and commissions Entity‑level and consolidated results
Identify opportunities to reduce manual effort and improve close timeliness through automation and process redesign.
Leadership & Stakeholder Engagement Act as a trusted advisor to Accounting leadership on system scalability, payment risks, and entity structure impacts.
Facilitate cross‑functional working sessions with Accounting, IT, Operations, and external vendors.
Mentor junior analysts and promote consistent business analysis standards.