Risk Manager

Job Description

Job Description

Position Summary

The Risk Manager is responsible for leading and administering the company's risk management, insurance, and claims programs while supporting operational teams in managing risk across all projects. This role develops and implements risk management strategies, oversees insurance compliance and claims administration, and provides guidance to project teams, leadership, and business partners on risk-related matters. The Risk Manager serves as a key resource for insurance, loss prevention, subcontractor risk management, and regulatory compliance initiatives.

Essential Responsibilities

Risk Management

• Lead the development, implementation, maintenance, and continuous improvement of company-wide risk management policies, procedures, and best practices.
• Provide recommendations to the General Counsel regarding risk management strategies and oversee implementation of approved initiatives.
• Establish controls and monitoring processes to ensure risk management procedures are consistently followed throughout the organization.
• Support and coordinate internal risk management and insurance training programs to promote awareness, compliance, and effectiveness.
• Identify, assess, and communicate emerging risks and ensure appropriate escalation of significant legal or risk-related matters to the General Counsel.

Insurance Administration & Risk Transfer

• Administer the company's Subcontractor Default Insurance (SDI) program, including subcontractor qualification review, compliance monitoring, claims coordination, and collaboration with project and finance teams.
• Lead administration of Builders Risk insurance programs, including policy placement, coverage review, endorsements, renewals, and coordination with brokers, carriers, and project teams.
• Oversee the collection, review, and tracking of Certificates of Insurance (COIs) to ensure subcontractor and vendor compliance with contractual insurance requirements.
• Manage the company's insurance portfolio, including policy administration, renewals, endorsements, coverage documentation, and carrier relationships.
• Coordinate and support insurance-related audits and reviews, including workers' compensation, general liability, OSHA, and other risk management audits.

Claims Management

• Manage incident reporting processes and ensure timely notification to insurance carriers and applicable stakeholders.
• Serve as the primary liaison among project teams, insurance carriers, brokers, adjusters, third-party administrators, and other claim-related parties.
• Monitor, track, and manage open claims, ensuring accurate documentation and timely resolution.
• Oversee claim investigations, ensuring compliance with policy requirements, effective documentation, and alignment with company risk management objectives.
• Support the General Counsel in managing complex claims, litigation matters, and related risk mitigation efforts.

Data Management, Reporting & Analysis

• Establish and maintain standards for accurate risk, insurance, and claims documentation and reporting.
• Analyze claims activity, incident trends, insurance compliance metrics, and loss data to identify opportunities for risk reduction.
• Prepare reports and presentations for leadership regarding claim performance, insurance program effectiveness, compliance status, and loss trends.
• Provide data and analysis to support insurance renewals, broker negotiations, and risk management reviews.

Cross-Functional Leadership & Collaboration

• Partner with Project Managers, Superintendents, Human Resources, Accounting, Safety, and Legal teams to support organizational risk management objectives.
• Provide subject matter expertise and consultative support related to insurance coverage, contractual risk transfer, claims management, and risk mitigation strategies.
• Foster strong relationships with internal stakeholders, insurance carriers, brokers, consultants, and external partners.

Additional Responsibilities

• Consistently deliver The RJM FOCUS Philosophy to internal and external stakeholders.
• Participate in and complete all required company safety training and compliance programs.
• Perform other duties and responsibilities as assigned

Qualifications

Education & Experience - Required

• Associate's degree or equivalent combination of education and experience.
• Minimum five (5) years of experience in risk management, insurance administration, claims coordination, construction operations, safety, or a related field.
• Working knowledge of workers' compensation, general liability, automobile liability, and umbrella insurance programs.

Education & Experience - Preferred

• Bachelor's degree in Risk Management, Construction Management, Business Administration, Safety Management, or a related discipline.
• Experience in commercial construction, industrial construction, or heavy civil environments.
• Professional risk management or insurance certifications (ARM, CRM, CPCU, or equivalent) are a plus.
• Experience administering SDI and Builders Risk insurance programs.

Knowledge, Skills & Abilities

• Demonstrates professionalism and the ability to positively represent RJM Construction in all interactions.
• Excellent verbal, written, and interpersonal communication skills.
• Strong analytical, problem-solving, and decision-making abilities.
• Thorough understanding of risk management principles, insurance programs, and risk transfer strategies.
• Ability to interpret contracts, insurance policies, and compliance requirements.
• Proficient in Microsoft Office Suite, including Excel, Word, Outlook, and related business applications.
• Strong technical aptitude and ability to learn new systems and processes.
• Highly organized with the ability to manage multiple priorities and meet deadlines.
• Self-motivated and able to work independently with minimal supervision.
• Exceptional attention to detail and accuracy.
• Demonstrates high integrity, sound judgment, and dependability.
• Maintains strict confidentiality regarding company, employee, and project information.