Risk Consultant

Overview At Community Financial System, Inc. (CFSI), we are dedicated to providing our customers with friendly, personalized, high-quality financial services and products. Our retail division, Community Bank, N.A., operates more than 200 customer facilities across Upstate New York, Northeastern Pennsylvania, Vermont and Western Massachusetts. Beyond retail banking, we also offer commercial banking, wealth management, investment management, insurance and risk management, and benefit plan administration. Just as our employees are committed to helping our customers manage their finances, we’re committed to our employees. After all, they make it happen for our customers every day. To ensure our people can enjoy long and successful careers here at CFSI, we offer competitive compensation, great benefits, and professional development and advancement opportunities. As an equal‑opportunity workplace and affirmative‑action employer, we celebrate and support a diverse workplace for the benefit of all: our employees, customers and communities. Responsibilities The Senior Risk Management Consultant provides strategic risk assessments and consultation to OneGroup clients across all industries, with specialized expertise in property & casualty liability risk. This role collaborates with client management and OG Risk Advisors to develop innovative risk management solutions for large and complex organizations, reflecting the latest practices and regulatory requirements in the insurance and consulting industries. The consultant also participates in the management and coordination of carrier services for large clients and may assume supervisory responsibilities for other risk management staff as directed by the VP Risk Management Services. Essential Duties Conduct safety management and risk management assessments of client and prospect organizations. Perform in-depth loss analytics on performance and experience data. Conduct property liability risk assessments and develop mitigation strategies tailored to client needs. Advise clients on emerging trends, regulatory changes, and best practices in property liability and insurance consulting. Actively participate in the account acquisition process, sometimes in non‑traditional roles. Build and implement Client Service Plans targeting frequency reduction and loss mitigation. Engage in marketing activities to promote capabilities, products, and services. Participate in claim reviews and consultation to promote risk management opportunities. Efficiently manage a consulting book of business. Collaborate with carriers and industry partners to ensure risk management solutions are aligned with current market standards. Execute administrative and expense procedures as directed. Continuously build and develop consultative and technical skills. Maintain proficient knowledge of, and demonstrate ongoing compliance with all laws and regulations applicable to this position, ensure ongoing adherence to policies, procedures, and internal controls, and meet all training requirements in a timely manner. Qualifications Education Bachelor’s degree required, with a focus on risk management, safety, engineering, business, or related field. Master’s degree or equivalent in related field of study preferred. Professional Certifications / Licenses CSP, ARM, ALCM certifications are a plus. Experience / Skills 5+ years’ experience in large account risk management consulting, safety management consulting, property liability risk assessment, or related experience required. Demonstrated expertise in property liability risk management, including current insurance industry practices and consulting methodologies. Excellent interpersonal communication and relationship-building skills, including strong consulting skills. Solid understanding and ability to apply business principles relating to risk management. Excellent writing skills. Solid statistical analysis skills. General occupational safety, compliance, and program safety skills related to health care, manufacturing, municipalities, and/or construction industries. Exceptional skills related to Property & Casualty Liability. Proficiency in Microsoft Word, Excel, and PowerPoint. Ability to work independently with minimum oversight. Must possess a valid driver’s license and clean motor vehicle record. Willingness to travel, including overnight, as required. All applicants must be 18 years of age or older. Other Job Information Compensation: Commensurate with experience plus potential for annual merit increase. In addition to your competitive salary, you will be rewarded benefits including: 11 paid holidays, paid vacation, Medical, Vision & Dental insurance, 401K with generous match, Pension, Tuition Reimbursement, Banking discounts and the list goes on! Physical Requirements: The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. While performing the duties of this job, the employee may be required to stand, walk or sit. Use hands and fingers, handle or feel, reach with hands or arms, and speak and hear. The employee may occasionally be required to lift and or move up to 25 pounds. Specific vision abilities required by this job include close vision, and the ability to focus. The Company is an affirmative action, equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex (including pregnancy, sexual orientation and gender identity), national origin, citizenship status, age, disability, genetic information, veteran status, or any other characteristic protected by applicable federal, state or local law. The Company will make reasonable accommodations for qualified individuals with a disability. If you have a physical or mental impairment and would like to request an accommodation with respect to the application process, please contact the Human Resources Department. Salary Minimum: USD $72,000.00 / Yr Maximum: USD $124,686.00 / Yr #J-18808-Ljbffr