Director of Enterprise Risk Management

Main Responsibilities:

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 includes our own insurance carrier, insurance brands, and partner brands.

Independence American Insurance Company (IAIC) , a subsidiary of Independence Pet Holdings (IPH), has over 50 years of underwriting experience and a history of innovation in the pet insurance industry. IAIC is a trusted and dependable partner and offers a pet‑focused underwriter with deep insurance industry experience.

Job Summary:

IAIC is seeking a Director of Enterprise Risk Management to lead the Company’s enterprise risk management (ERM) program, including ORSA coordination, corporate insurance programs, and enterprise risk governance. This role reports to the SVP – Risk, Compliance, Privacy and Ethics and serves as a senior risk leader and strategic advisor to company leadership, regulators, and external partners. The Director is responsible for advancing enterprise risk maturity, strengthening governance and risk infrastructure, and ensuring that risk management, insurance, and ORSA activities effectively support the Company’s strategic objectives in a regulated insurance environment.

Job Location:

Remote – USA with a preference to Texas, Arizona or Ohio.

Enterprise Risk Management Leadership

• Lead the Company’s enterprise risk management framework, including risk identification, assessment, monitoring, and reporting across operating companies.
• Maintain and enhance enterprise risk registers, risk metrics, and executive‑level reporting.
• Partner with leadership to evaluate emerging and strategic risks and develop mitigation strategies.
• Support enterprise risk governance, including committee reporting and executive presentations.

ORSA & Regulatory Risk Management

• Lead the coordination, drafting, and maintenance of the Company’s Own Risk and Solvency Assessment (ORSA).
• Partner with finance, actuarial, legal, and operating companies to develop stress testing narratives, risk assessments, and supporting documentation.
• Ensure ORSA outputs align with regulatory expectations and enterprise risk appetite.
• Maintain familiarity with NAIC ORSA Model Act requirements and insurance regulatory expectations.

GRC Tools & Risk Infrastructure

• Lead the implementation, governance, and ongoing optimization of GRC platforms supporting ERM, controls, issue management, and risk reporting.
• Establish enterprise standards for risk data, workflows, and reporting.
• Drive consistent adoption and use of risk tools across operating companies.

Corporate Insurance Program Ownership

• Own the corporate insurance program, including coverage design, exposure coordination, renewals, broker strategy, and claims oversight.
• Partner with brokers, finance, and legal to evaluate coverage adequacy, optimize risk transfer, and support strategic insurance decisions.
• Provide executive‑level analysis and recommendations related to insurance placement and risk financing.

Leadership & Influence

• Serve as a trusted advisor to leadership on enterprise risk, ORSA, and insurance matters.
• Act as the liaison with external advisors, consultants, and brokers.
• Provide leadership, mentorship, and direction to risk management staff as applicable.
• Influence risk culture and decision‑making across the enterprise.

Basic Qualifications:

• Bachelor’s degree or equivalent experience.
• 10+ years of progressive experience in enterprise risk management within the insurance industry.
• Property & Casualty insurance experience strongly preferred; Life/Health insurance experience also acceptable.
• Demonstrated experience leading ORSA coordination and drafting.
• Hands‑on experience implementing and managing GRC platforms in an ERM environment.
• Experience owning or leading corporate insurance programs.
• Strong executive‑level communication skills, including drafting and presenting materials for senior leadership and regulators.
• Proven ability to operate independently, exercise sound judgment, and lead complex, cross‑functional initiatives.

Preferred Qualifications:

• Experience working in a multi‑entity or holding company insurance structure.
• Familiarity with statutory insurance operations and regulatory engagement.
• Prior experience presenting to boards or risk/governance committees.

Benefits and Employee Perks:

• Comprehensive full medical, dental and vision insurance
• Basic life insurance at no cost to the employee
• Company‑paid short‑term and long‑term disability
• 12 weeks of 100% paid parental leave
• Health Savings Account (HSA)
• Flexible Spending Accounts (FSA)
• Retirement savings plan
• Personal paid time off
• Paid holidays and company‑wide wellness day off
• Paid time off to volunteer at non‑profit organizations
• Pet‑friendly office environment
• Commuter benefits
• Group pet insurance
• On‑the‑job training and skills development
• Employee Assistance Program (EAP)

Interview and Text Messaging Notices:

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