Senior Director, Enterprise Risk

Towne Park • Plymouth Meeting, PA

3d • $143,000 - $190,000

About The Position

The Senior Director, Enterprise Risk leads Towne’s enterprise risk, safety, claims and insurance functions and sets their multi-year strategy. The role owns the enterprise safety program, including strategy, written standards, training, inspection protocols and performance measurement, and is accountable for claims management across all coverage lines, including day-to-day oversight of the third-party administrator (TPA).

Serving as the company’s subject-matter expert on its business insurance program, the Senior Director leads the annual renewal end to end, seeking appropriate coverage and a favorable total cost of risk. Reporting to the VP, Center of Excellence, the role leads a team of risk, safety and claims professionals; maintains the enterprise risk management framework; and partners with Operations, Legal, Finance and Human Resources to identify, quantify and mitigate exposure across a multi-state, multi-site service organization. The role translates risk and loss data into decisions executive leadership can act on.

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.
• Experience designing and leading an enterprise safety program for a distributed, predominantly hourly workforce in a multi-state, multi-site environment.
• Experience managing a TPA, including service instructions, claim reviews and performance management against service-level agreements.
• Experience owning 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, 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 challenge adjuster decisions and reserve positions credibly.
• 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 reporting and communication with hourly associates, executives and clients.
• Ability to move between strategic risk-program design and tactical field execution.
• 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 advanced degree.
• Professional designation such as ARM, CPCU, CRM, CSP, ASP or equivalent.
• Board-level exposure.
• Experience in a service-oriented, nationwide organization.

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 board-level reporting.
• Own safety strategy, standards, training, inspections and performance measurement across all locations.
• Drive injury prevention through root-cause investigation and corrective action 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.
• Partner with Operations, Legal, Finance and Human Resources to identify, quantify and mitigate exposure across the organization.

Benefits

• Medical, dental and vision insurance.
• Accident insurance, critical illness insurance, hospital indemnity insurance and telemedicine benefits.
• Company-paid basic life and AD&D insurance.
• Short-term and long-term disability coverage.
• 401(k) retirement savings plan.
• Paid time off accrual of 0.0654 hours per hour worked, up to 136 hours per calendar year.
• Six paid holidays per calendar year.
• Accrual of up to four paid floating holidays per calendar year.
• Employees may be eligible for annual incentive bonuses, depending on job classification and policy guidelines.

What This Job Offers

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