Senior Director, Enterprise Risk

Towne Park•Plymouth Meeting, PA

About The Position

The Senior Director, Enterprise Risk leads Towne’s enterprise risk, safety, claims, and insurance functions and sets multi-year strategy for each. The role owns the enterprise safety program, including strategy, written standards, training, inspection protocols, and performance measurement. It is accountable for claims management across all lines of coverage, including day-to-day oversight of the company’s third-party administrator (TPA), and serves as the company’s subject-matter expert on its business insurance program. The Senior Director leads the annual insurance renewal end to end, seeking the best coverage and total-cost-of-risk outcome for the business. Reporting to the VP, Center of Excellence, the Senior Director leads a team of risk, safety, and claims professionals and maintains the enterprise risk management framework. The role partners with Operations, Legal, Finance, and Human Resources to identify, quantify, and mitigate exposures across a multi-state, multi-site service organization, and translates risk and loss data into actionable decisions for executive leadership. The position’s responsibilities span risk strategy and team leadership; enterprise safety; claims management and TPA oversight; insurance programs and renewals; enterprise risk management and business continuity; and risk finance, contracts, and analytics. The role also manages the risk budget, premium and claim cost allocations, total-cost-of-risk reporting, contracts’ risk-transfer provisions, and certificate compliance.

Requirements

BA/BS in Risk Management, Insurance, Business, Finance, or a related field; an equivalent combination of education and directly related experience will be considered.
At least 8 years of progressive risk management experience, including at least 5 years with direct accountability for casualty claims management and insurance program renewals.
Experience leading and developing a team of risk, safety, or claims professionals.
Demonstrated experience designing and leading an enterprise safety program for a distributed, predominantly hourly workforce in a multi-state, multi-site environment.
Demonstrated experience managing a third-party administrator, including service instructions, claim reviews, and performance management against service-level agreements.
Demonstrated ownership of the annual insurance renewal cycle, including exposure development, broker and carrier negotiation, and program structure and retention decisions.
Experience planning and managing projects and processes, allocating resources, monitoring progress, and establishing and managing budgets to accomplish program goals.
Experience presenting to multiple levels of leadership, including company executives and site-level leadership.
Experience building risk management capabilities in a high-growth, multi-state, multi-site business environment.
Deep technical command of risk, claims, insurance, and safety, together with the leadership to drive results across field operations and corporate functions.
Deep knowledge of casualty and management liability insurance programs, including policy construction, coverage analysis, retentions, collateral, and loss-sensitive program mechanics.
Working knowledge of OSHA standards, state workers’ compensation statutes, fleet and DOT safety requirements, and regulatory variation in a multi-state operation.
Knowledge of claims handling practices, reserving methodology, litigation management, and TPA service standards, with the ability to credibly challenge adjuster decisions and reserve positions.
Ability to negotiate effectively with brokers, underwriters, carriers, and TPAs to secure favorable pricing, coverage terms, and service outcomes.
Ability to interpret loss data, actuarial analyses, and total-cost-of-risk models and translate them into operational and financial recommendations for executive leadership.
Ability to design and lead an enterprise safety program for a high-volume, multi-site, predominantly hourly workforce.
Ability to influence without direct authority and drive change management across field operations and corporate support functions.
Ability to plan, set priorities, and manage several complex initiatives simultaneously while working under pressure to meet deadlines.
Ability to read, analyze, interpret, and develop business policies, procedures, manuals, training materials, and corporate communications.
Strong written, verbal communication, and presentation skills, including executive-level reports and the ability to address all organizational levels, from hourly associates to executives and clients.
Ability to move between strategic risk-program design and tactical execution in the field.
Ability to analyze, define, and diagnose problems and work with teams to execute resolutions.
Ability to maintain composure, objectivity, and professionalism under pressure, including during serious incident response, litigation, and adversarial negotiations.
Proficiency in MS Office (Excel, Word, PowerPoint, and Outlook) and risk management information systems (RMIS) or claims platforms.
Demonstrated discretion and sound judgment in handling confidential, sensitive, and privileged information.
Ability to represent the company effectively in varied settings with an understanding and appreciation of diverse cultures.

Nice To Haves

MBA or an advanced degree.
Professional designation preferred: ARM, CPCU, CRM, CSP, ASP, or equivalent.
Board-level exposure preferred.
Experience in a service-oriented, nationwide organization preferred.

Responsibilities

Set multi-year strategy for risk, safety, claims, and insurance programs.
Lead and develop the risk, safety, and claims team.
Advise executive leadership on the company’s risk profile and emerging exposures, including through board-level reporting.
Own safety strategy, standards, training, inspections, and performance measurement across all locations.
Drive injury prevention through root-cause investigations and corrective actions at high-risk locations.
Ensure OSHA and regulatory compliance and build field-level safety accountability with Operations and HR.
Direct claims across all lines of coverage from first report through closure.
Manage TPA performance, reserving, and settlement authority against service-level agreements.
Monitor claim trends and litigation exposure and direct loss mitigation with the business.
Serve as subject-matter expert on casualty, property, and management liability coverage.
Lead the annual insurance renewal end to end to achieve the best coverage and total cost of risk.
Manage broker and carrier relationships and evaluate alternative insurance program structures.
Maintain the enterprise risk framework and embed risk ownership in business units.
Ensure risk policies comply with external regulations and internal policy.
Lead business continuity, crisis response, and emergency preparedness planning.
Own the risk budget, premium and claim cost allocations, and total-cost-of-risk reporting.
Oversee claims data, loss runs, and risk analytics.
Review contracts for insurance, indemnity, and risk-transfer provisions and oversee certificate compliance.

Benefits

Medical insurance
Dental insurance
Vision insurance
Accident insurance
Critical illness insurance
Hospital indemnity insurance
Telemedicine benefits
Company-paid basic life and AD&D insurance
Short-term disability insurance
Long-term disability insurance
401(k) retirement savings plan
Paid time off accrual, up to 136 hours per calendar year
Six paid holidays per calendar year
Up to four accrued paid floating holidays per calendar year
Employees may be eligible for annual incentive bonuses, subject to job classification and policy guidelines