Clinical Risk Manager, C&F Stop Loss

Crum & Forster Company Overview

Crum & Forster (C&F) provides market leading property & casualty, accident & health, specialty and standard commercial lines insurance solutions. A true underwriting company, we have a 200-year history of helping our customers manage risk with laser-focused expertise, integrity and discipline. Our people are empowered to make decisions and problem-solve with you smartly and swiftly. Our annual gross written premium is 6.2 billion. C&F enjoys a financial strength rating of "A+" (Superior) by AM Best.

Our most valuable asset is our people. We have 3000 employees, and locations throughout the United States and India. With our employee-first focus, the Company is consistently recognized as a great place to work, earning multiple workplace and wellness awards, including the Great Place to Work® Award, Fortune 100 Best Companies to Work For, Fortune Best Workplaces for Parents, Fortune Best Workplaces for Millennials, and many others.

C&F is part of Fairfax Financial Holdings. For more information about C&F, please visit our website:

Job Description

This is a remote role.

The Accident & Health Division (A&H), established in 2000, has offered a diverse portfolio of specialty insurance and reinsurance products nationwide. We place a strong focus on product development and creative distribution methods, along with excellent client service and support.

In addition to our robust domestic portfolio, which spans both special risk and medical solutions, A&H works on an international basis through various partnerships. Our global capabilities provide our partners with even broader flexibility in underwriting solutions. Gross premium written in 2025 surpassed $2.4B.

The qualities and capabilities of Crum & Forster Accident & Health demonstrate our philosophy of building meaningful, long-term partnerships and our dedication to providing alternative strategies in an ever-changing insurance market.

The A&H MBU takes a full-spectrum approach to designing and servicing a robust slate of products tailored to needs in Employer Stop Loss & Excess Medical; and Ancillary, Life & Supplemental benefits. Our diversified business model includes program partnerships as well as direct sales in Employer Stop Loss. At year-end 2025, the MBU recorded over $1B in gross premium written.

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Information about the Role, Line of Business and Team:

The Clinical Risk Manager role utilizes a high level of experience and advanced knowledge regarding nursing, complex medical conditions, risk, prognoses, treatment plans, and utilization of care. This position provides accurate current and next year cost projections and savings opportunities to C&F while independently troubleshooting complex clinical, claims, and data issues. The Clinical Risk Manager also serves as a resource to the Clinical Risk Management team by leading work efforts, mentoring team members, and supporting the onboarding and training of new employees.

What you will do:

. Medical Risk Assessment & Clinical Evaluation

• Review and analyze all data and documentation within existing systems and that provided by Underwriting including but not limited to diagnoses, procedures, case management notes, treatment plans, and comorbid conditions to assess validity of data and clinical risk.
• Identify clinical factors that may impact underwriting outcomes or financial exposure at a claimant and population health level for Underwriters to leverage in their rating of the group.
• Exercise independent clinical judgment to synthesize complex medical information into clear risk conclusions that support sound underwriting decisions.
• Support the development and implementation of clinical risk management strategies for high-cost, complex claims through strategic identification of cost-containment opportunities while reviewing all available data for MUW review.
• Cross-refer to cost containment when appropriate and participate in cost containment work as requested.

Strategic Underwriting Partnership

• Triage and prioritize requests for medical underwriting review based on business urgency, workload capacity, and alignment with underwriting and leadership priorities

• Act as a strategic partner to underwriting by applying evidence-based criteria and sound clinical judgment to evaluate complex clinical and claims data to identify, quantify, and advise on significant risks, directly influencing underwriting strategy and decisions.

Client & Stakeholder Management

• Develop, maintain, and manage strong relationships with internal and external clients, Third-Party Administrators (TPAs), and vendors, championing exemplary customer service standards.
• Consult with clients and teams on submitted data for MUW, program development, quality improvement, and claim issues.
• Act as a point of contact for escalations and participate in calls with internal and external clients as needed.

Data Management, Reporting, & Quality Assurance

• Ensure accurate entry, validation, and analysis of medical underwriting data within the claims system, maintaining high standards of data integrity.
• Perform accurate and thorough data scrubbing of reports for medical underwriting reviews, leveraging advanced skills in Excel and using AI tools and other available tools and resources.
• Request needed medical and claim data, collect said data and create reports in collaboration with Digital Transformation and/or IT teams to streamline departmental processes.
• Identify and resolve data gaps and discrepancies to ensure comprehensive data for cost containment interventions.
• Maintain clear records to support transparency and defensibility of underwriting decisions as it relates to clinical evaluation.
• Participate in quality assurance activities related to medical underwriting evaluations and engage in peer review and audit processes as requested.

Subject Matter Expertise & Communication

• Serve as a primary subject matter expert, articulating complex clinical conditions, pharmaceuticals, and risk structures to diverse audiences, including executive leadership.
• Stay informed on emerging therapies, technologies, and medical conditions, disseminating key information to internal and external stakeholders.
• Provide concise, detailed, and clear assessments, projections, and recommendations, effectively explaining complex scenarios to both technical and non-technical audiences.

Operational Excellence & Compliance

• Support and explore new methods and processes to increase efficiency and achieve individual and organizational goals.
• Ensure compliance with all company policies, procedures, and service standards.
• Document all activities and outcomes accurately and promptly, keeping management informed of progress and potential issues.
• Maintain proficiency with all IT systems utilized by the Clinical Risk Management team.

What YOU will bring to C&F:

• Analytical & Operational Excellence: Possesses expert analytical, investigative, troubleshooting, and problem-solving skills with the ability to interpret complex medical and risk reports. Highly organized and adaptable, capable of independently managing multiple priorities with exceptional attention to detail in a fast-paced environment.
• Communication & Relationship Management: Demonstrates excellent interpersonal, oral, and written communication skills, with a strong focus on customer satisfaction and building rapport. Expert in negotiation, persuasion, and conflict resolution.
• Professional Drive & Accountability: Exhibits a strong work ethic, personal accountability, and a commitment to producing high-quality, accurate work. A proactive, quick learner dedicated to getting the job done well.
• Collaboration, Leadership & Mentorship: Proven ability to work effectively both independently and collaboratively within a team, with demonstrated ability to lead work efforts, mentor and guide junior staff, and support training and onboarding of new employees.

Requirements:

• 5-10 years clinical experience with a current unrestricted licensure as a health professional (Registered Nurse) preferred
• 5+ years of experience required, preferably in the reinsurance or insurance industry
• Bachelor’s degree from an accredited university or equivalent experience required
• Strong PC skills including Excel, Word, Outlook
• Group medical, managed care, health insurance, stop loss or reinsurance experience required
• Strong knowledge of disease processes and treatment plans

What C&F will bring to you

We value inclusivity and diversity. We are committed to equal employment opportunity and welcome everyone regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity, or Veteran status. If you require special accommodation, please let us know.

For California Residents Only: Information collected and processed as part of your career profile and any job applications you choose to submit are subject to our privacy notices and policies, visit for more information.

Crum & Forster is committed to ensuring a workplace free from discriminatory pay disparities and complying with applicable pay equity laws. Salary ranges are available for all positions at this location, taking into account roles with a comparable level of responsibility and impact in the relevant labor market and these salary ranges are regularly reviewed and adjusted in accordance with prevailing market conditions. The annualized base pay for the advertised position, located in the specified area, ranges from a minimum of $71,300 to a maximum of $134,000. The actual compensation is determined by various factors, including but not limited to the market pay for the jobs at each level, the responsibilities and skills required for each job, and the employee’s contribution (performance) in that role. To be considered within market range, a salary is at or above the minimum of the range. You may also have the opportunity to participate in discretionary equity (stock) based compensation and/or performance-based variable pay programs.

• Flexible work arrangements.
• Competitive compensation package.
• Generous 401K employer match.
• Employee Stock Purchase plan with employer matching.
• Generous Paid Time Off.
• Excellent benefits that go beyond health, dental & vision. Our Wellness programs focus on your family’s complete wellness, including your physical and mental wellbeing
• A core C&F principle is that you manage your career. To support your development, we have a wealth of ways for you to keep learning, including tuition reimbursement, industry related certifications and professional training available to you.
• A dynamic, ambitious, fun and exciting work environment.
• A spirit of social responsibility, matching donation program, volunteer opportunities, and an employee driven corporate giving.

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