Enterprise Risk Management & Insurance Program Director

ESSENTIAL DUTIES:

The position includes, but is not limited to, the following essential job duties, responsibilities and requirements:

• Lead the strategy, administration, and continuous improvement of global property, casualty, automobile, workers compensation, excess, cyber, executive risk, and other commercial insurance programs.
• Develop renewal and market strategies; lead underwriting submissions, exposure-data collection, insurer presentations, negotiations, and stewardship activities.
• Manage broker, carrier, consultant, and actuarial relationships and evaluate limits, deductibles, retentions, program structure, and alternative risk-financing opportunities.
• Develop and maintain the enterprise risk management framework, risk registers, assessment methodology, governance standards, and mitigation tracking.
• Create key risk indicators, emerging-risk reporting, executive dashboards, heat maps, and concise risk recommendations for leadership.
• Integrate insurance, claims, incident, operational, financial, and external data to identify systemic loss drivers and mitigation opportunities.
• Support acquisitions, divestitures, market entries, international placements, contract reviews, and other strategic initiatives.
• Oversee policies, endorsements, certificates of insurance, evidence of coverage, premium allocation, audits, invoices, and insurance records.
• Partner with Operations, Finance, Legal, HSE, Asset Protection, Fleet, Facilities, Real Estate, Procurement, Technology, Human Resources, and regional leaders.
• Lead and develop risk and insurance professionals, including the Risk & Insurance Coordinator, and establish efficient, accurate, customer-focused workflows.
• Support organizational resilience, business continuity, crisis preparedness, risk education, and a strong culture of risk ownership.

JOB REQUIREMENTS:

• Bachelor's degree in risk management, insurance, finance, business, or a related field, or equivalent experience.
• 10+ years of progressive experience in corporate insurance, enterprise risk management, brokerage, underwriting, risk financing, or a related field.
• Leadership experience managing professionals and complex cross-functional or multinational programs.
• Experience leading commercial insurance renewals and working directly with brokers, underwriters, carriers, and senior business stakeholders.
• Working knowledge of major commercial coverages, policy administration, contractual insurance requirements, ERM governance, and executive risk reporting.
• Strong strategic, financial, analytical, project-management, communication, and stakeholder-influence capabilities.

• ARM, CRM, CPCU, RIMS-CRMP, CIC, MBA, or comparable designation or advanced degree.
• Experience with global insurance programs, local policies, acquisitions, captive programs, large deductibles, self-insured retentions, or alternative risk financing.
• Experience in retail, convenience stores, fuel, transportation, logistics, hospitality, or another decentralized multi-site business.
• Experience with ServiceNow, Riskonnect, GRC platforms, Power BI, business continuity, or risk-engineering programs.

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.  Complete physical activity inventory of the position includes:

• Work requires frequent sitting, standing, walking and use of keyboard/computer.
• Work requires occasional bending, reaching and lifting/moving up to 35 pounds.
• Work is subject to tight deadlines and interruptions can be stressful.
• Travel to store locations as necessary.
• Sit for long periods of time.
• Operate computer keyboard and mouse for data entry.
• View computer monitor
• Hear and speak via telephone.
• Reach forward and/or overhead.

WORK ENVIRONMENT:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job.  Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.  Working conditions inventory of the position includes:

• The noise level in the work environment is usually moderate at a normal range.
• The lighting will include natural light from the outside as well as fluorescent lighting throughout the work areas.
• Work with minimum direction and periodic supervision.

JOB DESCRIPTION ACKNOWLEDGMENT

This Job Description indicates the general nature and level of work to be performed in this position and it is not intended to contain or be interpreted as a comprehensive inventory of all the duties, responsibilities, functions and qualifications required of the position.  The incumbent may be asked to perform other duties and will be evaluated, in part, on performance of the tasks listed in this job description.  As with all positions, the responsibilities and duties of this position may change.  The Company reserves the right to revise this Job Description at any time with or without notice. This Job Description does not constitute a contract for employment and either the incumbent or the Company may terminate employment at any time, for any reason, with or without notice.

Circle K is an Equal Opportunity Employer. The Company complies with the Americans with Disabilities Act (the ADA) and all state and local disability laws.  Applicants with disabilities may be entitled to reasonable accommodation under the terms of the ADA and certain state or local laws as long as it does not impose an undue hardship on the Company. Please inform the Company’s Human Resources Representative if you need assistance completing any forms or to otherwise participate in the application process.

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