Director - Contingent Financial Risk

Director - Contingent Financial Risk HUB International’s Contingent Financial Risk Practice is a specialized advisory team within the Healthcare Specialty Practice. We design and place risk transfer programs—provider excess of loss, aggregate stop‑loss, HMO reinsurance, surety bonds, and quota share arrangements—that enable health plans, ACOs, and provider‑led VBC organizations to reduce regulatory capital requirements, bound downside risk exposure, and optimize financial performance under value‑based contracting. Role Overview The VP, Contingent Financial Risk owns a portfolio of health plan, ACO, and provider‑led VBC accounts—full accountability for program strategy, carrier relationships, and new business production. This role requires demonstrated technical fluency in managed care risk structures, the quantitative capability to construct and defend complex capital and underwriting analyses independently, and executive presence to lead high‑stakes client conversations at the CFO and board level. Key Responsibilities Account Management & Program Oversight Own senior relationships across a portfolio of health plan, ACO, and VBC accounts—primary strategic contact for CFO, CMO, and Risk Officer counterparts through all phases of the program lifecycle. Lead carrier negotiations across medical excess of loss and reinsurance markets—driving terms, pricing, and structure on behalf of clients through the full placement cycle. Maintain active relationships across stop‑loss, provider excess of loss, HMO reinsurance, surety, and quota share carrier panels—tracking appetite shifts, capacity changes, and product developments in real time. Track each client’s risk profile with precision: membership trends, MLR dynamics, capital position, and VBC contract structure. Ensure accuracy of NAIC Health RBC data inputs used in proprietary capital reduction analyses and client‑facing deliverables. Strategic Client Advisory Lead construction of proprietary capital reduction analyses, quota share structures, and surplus relief proposals for health plan clients—owning the full technical narrative from financial profile through program recommendation. Own surety bond strategy and placement for ACO clients with CMS financial guarantee obligations (MSSP, REACH, LEAD, ACCESS)—advising on structure, sizing, and carrier selection. Apply VBC analytics capabilities to model population‑level cost and utilization trends, quantifying downside risk exposure and enabling precise sizing of stop‑loss, provider excess, and quota share structures. Use data‑driven benchmarking to validate actuarial and underwriting assumptions underpinning program proposals—strengthening credibility with client CFOs and carrier underwriters, and reducing friction in placement negotiations. Generate analytics‑driven prospect insights that identify regulatory capital inefficiency and unhedged risk exposure in target health plans and ACO organizations—translating findings into structured business case materials for new business development. Translate complex analytical outputs into executive‑ready exhibits for client deliverables, carrier submissions, and board‑level presentations. Business Development & Market Leadership Drive new business development across managed care and VBC segments—leading prospect identification, RFP responses, market submissions, and program analysis for target accounts. Own the practice’s conference strategy across key industry forums (NAACOS, AHIP, state‑level ACO and VBC events)—including target selection, pre‑conference outreach, meeting coordination, and post‑conference follow‑through. Identify and execute cross‑sell opportunities within existing accounts, expanding program scope across surety, stop‑loss, provider excess, and VBC cost and quality analytics. Lead engagement with PE and VC firms investing in healthcare services and VBC platforms—owning deal and portfolio operations relationships, supporting insurance program due diligence, and identifying capital optimization opportunities across acquired portfolio companies. Develop underwriting models, thought leadership content, and sales collateral that enable HUB’s broader Healthcare Practice producers to identify and refer contingent financial risk opportunities—including case studies, program explainers, and client‑ready financial exhibits. Qualifications Required Qualifications 10+ years in medical stop‑loss, provider excess of loss, HMO reinsurance, managed care risk, or a closely adjacent field—demonstrated ownership of senior client relationships and complex program management on the brokerage, carrier, or health plan side. Bachelor’s degree required; advanced credential (MBA, actuarial designation, or equivalent) strongly preferred. Active Accident & Health and Property & Casualty licenses required; multi‑state licensure preferred. Analytical capability: able to construct complex underwriting, financial, and capital analyses independently—communicate technical outputs as executive‑level narratives for CFO and board audiences without analytical support. Regulatory capital literacy: working knowledge of the NAIC Health RBC framework and the relationship between underwriting risk charges and health plan surplus. Communication: polished written and verbal skills with demonstrated executive presence—capable of leading carrier negotiations, client strategy conversations, and board‑level presentations with equal credibility. Preferred Qualifications Demonstrated experience in a senior risk advisory or program leadership role with ACOs, provider‑sponsored organizations, or VBC entities—not incidental exposure. Working knowledge of CMS model participation requirements (MSSP, REACH, LEAD, ACCESS) and the financial guarantee structures they impose on participating organizations. Hands‑on structuring or placement experience with surety bonds, quota share arrangements, or aggregate stop‑loss programs in a managed care or VBC context. Established relationships with PE or VC firms actively investing in healthcare services, managed care, or VBC platforms—fluent in how these organizations evaluate risk transfer and capital efficiency across the deal and post‑close lifecycle. What We Offer A technically differentiated practice built around a proprietary capital optimization framework—with client franchise and domain expertise that compounds over time. Competitive base salary with a production‑based incentive structure tied directly to practice revenue growth—with meaningful upside for a VP who builds books. Comprehensive benefits: health, dental, vision, 401(k), and continuing education support. Direct exposure to C‑suite relationships at health plans, ACO management companies, and PE‑backed VBC platforms. A lean, high‑trust team structure where VP‑level decisions carry immediate weight—you shape client strategy, carrier relationships, and practice development from day one. The expected salary range for this position is $135,000 annually—$220,000 annually and will be impacted by factors such as the successful candidate’s skills, experience and working location, as well as the specific position’s business line, scope and level. HUB International is proud to offer comprehensive benefit and total compensation packages: health/dental/vision/life/disability insurance, FSA, HSA and 401(k) accounts, paid‑time‑off benefits such as vacation, sick, and personal days, and eligible bonuses, equity and commissions for some positions. EEO Statement HUB International Limited is an equal opportunity employer that does not discriminate on the basis of race/ethnicity, national origin, religion, age, color, sex, sexual orientation, gender identity, disability or veteran’s status, or any other characteristic protected by local, state or federal laws, rules or regulations. E-Verify Program. #J-18808-Ljbffr Dormont Manufacturing Co