Job RequirementQualifications:Bachelor's degree in Risk Management, Business Administration, or a related field.Minimum of 5 years of experience in risk management, preferably within the retail or convenience store industry.Strong knowledge of insurance programs, claims management, and risk mitigation strategies.Proven experience handling workers' compensation and general liability claims.Excellent leadership, communication, and problem-solving skills.Ability to work effectively with cross-functional teams and external partners.Professional certifications in risk management (e.g., CRM, ARM, CPCU) are a plus.Proficiency in Microsoft Office Suite.Strong written and verbal communication skills.Responsibilities:Claims Management:Oversee and manage all workers' compensation claims, ensuring timely and appropriate handling.Direct the management of general and automobile liability claims across all stores, ensuring proper investigation, documentation, and resolution.Coordinate with leadership and third-party administrators to mitigate risk and reduce claims costs.Insurance Procurement:Collaborate with EDRM and brokers to secure cost-effective insurance coverage (general liability, workers' compensation, etc.).Conduct periodic reviews of insurance policies to ensure adequate coverage and assist with negotiating renewals.Provide strategic insights into market trends to enhance the company's risk financing strategies.Risk Assessment and Mitigation:Identify potential risks in company operations (safety hazards, compliance gaps, emerging risks).Develop and implement risk mitigation strategies, policies, and procedures to minimize exposure.Conduct regular risk assessments and audits to ensure compliance with company policies and regulatory requirements.Compliance and Reporting:Ensure all risk management activities comply with local, state, and federal laws, as well as industry standards.Implement and monitor policies to manage risk and ensure safety across all locations.Prepare and submit reports on risk exposures, claims status, and recommendations for improvement to the Executive Director of Risk Management and Associate General Counsel.Team Leadership and Development:Lead and mentor a team of risk management professionals.Foster a culture of continuous improvement, accountability, and safety throughout the organization.Provide training and development opportunities to enhance team performance.Collaboration and Communication:Act as the liaison between the company and external partners, including the Third Party Administrator, insurance brokers, adjusters, and legal counsel.Oversee and manage the relationship with the Third Party Administrator.Collaborate with store managers and operational teams to ensure consistent implementation of risk management policies.Communicate risk management initiatives and updates throughout the organization.
