EMC Insurance Companies

Underwriter

• Leads the strategic direction, ownership and execution of the overall underwriting operational strategy for the casualty and casualty large accounts portfolios at enterprise level.
• Oversees the development of the underwriting philosophy, policy, forms, products and programs and directs communication in corporate office and to branch office staff.
• Analyzes the performance of EMC’s existing book of business on a monthly and quarterly basis, and proactively provides strategic recommendations for improvement, expansion, or discontinuance to executive management.
• Ensures the achievement of continued profitability, growth, and operational efficiency for casualty lines of business and casualty large accounts business segment through development of risk appetite, assessment of risk exposures and controls, and emerging risk issues.
• Collaborates with other corporate underwriting departments on the strategy and appetite for the department and company as a whole.
• Directs the development and implementation of strategic and operational company objectives to help achieve company's growth and profitability goals.
• Leads and manages enterprise-wide operational consistency, integrity and oversight of casualty lines of business and casualty large accounts.
• Actively participates in all aspects of effective quality control assessments, including conducting new and renewal account audits, monitoring casualty large accounts analysis, and action plans.
• Builds culture and develops team members while overseeing corporate casualty and large accounts underwriting teams.
• Collaborates with team members to establish performance goals and monitors status, conducts performance reviews, and provides coaching.
• Develops team expertise and completes succession planning, including identifying talent and implementing development plans for critical positions.
• Manages budgeted resources by anticipating expenditures, accurately forecasting resource needs/costs and properly accounting for expenses to meet requirements and achieve fiscal responsibility.
• Acts as a strategic partner to branch offices on casualty and casualty large accounts related matters.
• Provides overall direction for underwriting authority delegation and recommends changes to casualty and casualty large accounts authority levels when warranted.
• Provides guidance and direction to the team in the development of underwriting and training tools at branch and enterprise level.
• Reviews escalated issues when requested by the team.
• Works closely with branch partners to lead efforts to grow profitable business.
• Acts as an expert from underwriting and business perspective to assist branches and agents in successfully marketing and underwriting new and existing accounts.

Assistant Vice President – Casualty Underwriting

Actuary

• Oversees and facilitates all actuarial involvement in the establishment, execution, and oversight of the necessary profitability strategies/targets to achieve enterprise goals for the middle market regions.
• Oversees the actuarial support for rate filings and leads the implementation of rate changes and preparation of both internal and external documents & manuals.
• Collaborates with actuarial peers in the analysis and selection of various expense and forecasting methods and assumptions.
• Partners with Actuarial peers in the development of initial expected loss ratio (IELR) forecasts.
• Provides support to the Actuary Rating and Actuarial Applications team in the development and support of rates.
• Oversees the quality, consistency, and accuracy of the team’s work products.
• Provides strategic actuarial support in the implementation of enhanced and new insurance products.

AVP – Actuarial Pricing

Claims Specialist

• Reviews the claim notice, contracts, state statutes and policies to verify the appropriate coverage, deductibles, and payees
• Initiates timely contact with insureds and claimants to explain the claim process and initiate the investigation
• Obtains statements from insureds, claimants, and witnesses and documents summaries within the claims system
• Request and analyze investigative and other relevant reports, claim forms and documents when appropriate
• Documents claim activities, reserve analysis, and summaries of reports including Medicare (MSP) modules in the claim system
• Sets timely, adequate reserves in compliance with the company reserving philosophy and methodology
• Identifies, investigates, and proactively pursues opportunities for recovery including arranging of evidence preservation in legal compliance that meets custody, control, transfer, analysis, and disposition of physical and/or electronic evidence
• Adheres to all state requirements regarding regulatory compliance by sending out letters/forms containing appropriate language according to timelines
• Reviews bills, invoices and receipts for accuracy and appropriateness
• Notifies people leader of claims that may need escalation or reassignment
• Drafts reservation of rights and coverage denial letters with supervisor approval
• Assigns vehicle/property damage appraisals and vehicle rentals
• Makes recommendations to people leader on the assignment of independent adjusters
• Provides prompt, detailed responses to agents, insureds, and claimants on the status of claims
• Resolves questions of coverage, liability and the value of the claims and communicates with insureds and claimants to resolve claims in a timely manner
• Prepares bodily injury and/or damage evaluations, negotiation ranges and target settlement numbers prior to negotiation. Obtains authority when required
• Identifies and protects all liens as appropriate
• Investigates Medicare liens and resolves issues in accordance with EMC and Medicare guidelines
• Communicates with insureds, claimants, and attorneys to negotiate the settlement of claims
• Prepares and issues settlement and release documents verifying accuracy and ensuring they are properly executed
• Issues timely payments
• Reviews and audits estimates written by independent adjusters for accuracy and to ensure the most cost-effective repair approach
• Submits referrals to the Estimatics, Special Investigation, Subrogation, Medical Review Units and Claims Legal teams as appropriate
• Prepares risk reports for Underwriting and Risk Improvement
• Prepares claims and participates in claims roundtables to discuss unique cases to evaluate coverage and damage

Casualty Claims Adjuster I

Risk

• Develops and implements segment-specific risk control strategies that align with corporate goals and regulatory expectations
• Develops the overall strategy to support the underwriting vision for the individual segments and leads the team in the execution of that strategy
• Serves as assigned segment subject matter expert to provide risk control strategic direction enterprise wide
• Leads the team in the identification, evaluation, and mitigation of operational and regulatory risks within assigned segment(s) identifying key exposures to loss and developing the tools needed to mitigate the exposures
• Establish and monitor KPIs such as billable hours, recommendation compliance rates, and ROI success stories
• Leads the process of aligning risk control strategies and practices with short- and long-term underwriting strategies within business segment(s) in support of enterprise-wide business and profitability goals
• Partners with Underwriting, Claims, and analytics teams to integrate risk insights into business decisions
• Acts as a strategic partner and technical resource for field risk control and team members, and offers guidance on complex matters within assigned business segment(s)
• Proactively communicates and makes necessary recommendations to Risk Control Leadership for improvements needed to meet company goals and improve risk control results
• Ensure adherence to internal policies and external regulations, and provide timely reporting to senior leadership
• Serves on special projects with other strategic partners within the organization as a representative of assigned business segment(s)
• Serves as a subject matter expert and provides risk control segment expertise to departments within the company, including organizing and assisting in preparation and teaching of workshops and seminars for risk control staff
• Develops training and white paper materials for policyholders and agents
• Partners with brokers to build strong relationships and represents EMC Risk Control during sales proposals, agent meetings, regional territory planning
• Oversees and monitors the workload and performance of the Segment team within Risk Control, and performs all duties expected of a people leader at EMC

Risk Control Segment Manager – Inland Marine

Controller

• Oversees the accounting, financial reporting, banking, budgeting, financial analysis, and related functions of the company
• Directs the preparation of the quarterly and annual financial statements and reviews the completed financial statements and related disclosures for accuracy and completeness before being filed with the regulatory authorities
• Responsible for the budget process, implementing improvements, and developing the annual budget
• Ensures that regular reviews of budget variance comparing actual to plan are completed and leaders are equipped to create both an efficient and effective organization
• Oversees banking relationships and ensures that the proper level of service is provided
• Oversees the relationship with external/independent audit firm and the coordination of external audits, and external assessment of internal controls
• Facilitates multi-year corporate financial planning
• Identifies trends and communicates recommendations to executive leadership
• Develops and implements talent strategy across the portfolio of functions to achieve goals.
• Effectively develops and grows internal talent

Vice President – Controller, Treasurer

• Leads the strategic direction, ownership, and execution of the overall underwriting operational strategy for the property portfolio at enterprise level
• Oversees the development of the company’s property underwriting philosophy, policy, forms, products and programs and directs communication in corporate office and to branch office staff
• Analyzes the performance of EMC’s existing book of business on monthly and quarterly basis and proactively provides strategic recommendations for improvement, expansion, or discontinuance to executive management
• Creates strategic and operational objectives with impact on underwriting results in support of corporate plans
• Ensures the achievement of continued profitability, growth and operational efficiency for property lines of business through development of risk appetite, assessment of risk exposures and controls, and emerging risk issues for the department and the company as a whole
• Directs the development and implementation of strategic and operational company objectives to help achieve company's growth and profitability goals
• Leads and manages enterprise-wide operational consistency, integrity and oversight of property lines of business
• Builds culture and develops team members while overseeing corporate property underwriting team
• Develops team expertise and completes succession planning, including identifying talent and implementing development plans for critical positions.
• Fosters an environment of collaboration within the department and with other departments and profit centers
• Acts as a strategic partner to branch offices on property related matters
• Ensures that the team responds timely and collaborates closely with branch offices on underwriting philosophy, authorizations, facultative reinsurance needs, etc
• Provides overall direction for underwriting authority delegation and recommends changes to property authority levels when warranted
• Provides guidance and direction to the team in the development of underwriting and training tools at branch and enterprise level

Assistant Vice President – Property Underwriting

Analyst

• Leads annual merit and off-cycle compensation processes, including data validation, testing, and reporting
• Supports full life cycle incentive and recognition programs
• Proactively meets with leaders and HRBPs to understand workforce plans, talent needs, and financial constraints for assigned business units
• Presents recommendations with clear trade-offs, ROI, and risk/compliance considerations
• Monitors outcomes and feedback; iterates programs and guidelines to improve fairness, competitiveness, and simplicity
• Conducts market pricing and program prevalence analysis of base pay, incentive, recognition, and other programs
• Performs analysis and maintenance of salary structures and geographic pay zones
• Designs and delivers compensation education for HRBPs, Talent Acquisition, and people leaders
• Develops and supports manager toolkits and communication materials for total rewards
• Leads complex compensation projects, performs detailed analysis, and presents recommendations
• Provides compensation consulting for assigned departments (director level and below)

Senior Compensation Analyst

Financial Planning and Analysis

• Acts as subject-matter expert on sectors under coverage, applying industry knowledge to analyze creditworthiness through a combination of qualitative and quantitative factors for current and prospective investments within assigned sectors.
• Utilizes Bloomberg and other third-party sources to maintain current views on industry- and company-specific trends, build and maintain financial models, and prepare research reports in a timely manner.
• Proactively communicates views, new developments, and recommendations to the investment team.
• Develops strong relationships with broker-dealers and banks in order to source investment opportunities and gain valuable insights into prevailing market conditions.
• Applies expertise to identify opportunities for improvement in research efficacy and efficiency.
• Serves as a resource and mentor to the analyst team to aid professional development and ensure consistent application of research processes across the group.
• Monitors and evaluates broader credit risk, market trends, and economic factors affecting fixed-income investments.
• Works closely with the investment team to apply knowledge in group discussions regarding the development and implementation of overall investment strategy.
• Provides insights on potential changes to portfolio characteristics like structure, duration, quality, sector allocation, and security type.
• Participates in reviews of third-party managers, quarterly report preparation, and creation of team presentations.
• Assists in the identification and selection of third-party managers within the Credit Portfolio.
• Performs other job duties as assigned.

Senior Securities Analyst – Investments

• Supports administration and analysis of agency compensation programs by collecting, validating, and reporting compensation data while maintaining accurate records and assisting with program implementation
• Generates reports and dashboards, researches data discrepancies, and ensures compliance with company policies and regulatory requirements
• Collaborates with cross-functional teams to support compensation initiatives, enhance process efficiency, and deliver timely, accurate information to stakeholders
• Enables the compensation team to optimize program effectiveness and drive continuous improvement through essential operational and analytical support
• Collects, validates, and maintains agency compensation data from internal systems and external sources to ensure accuracy and completeness.
• Prepares routine and ad hoc reports on agency compensation, performance metrics, and payout calculations for business stakeholders
• Audits data for accuracy and completeness and researches discrepancies in compensation records
• Supports the maintenance and documentation of compensation models, agreements, and related materials
• Performs assigned components to support the rollout and administration of new and/or updated compensation programs, including system setup and testing
• Responds to compensation related inquiries and resolves assigned issues for agency partners and internal teams
• Maintains dashboards and reporting tools to track compensation usage, accuracy, and program adoption
• Ensures compensation records and agreements are maintained in accordance with company policies and regulatory requirements
• Participates in process improvement initiatives and collaborates with cross-functional teams to support compensation program efficiency and effectiveness

Compensation Analyst

• Collaborates with people leader to execute company underwriting framework within assigned Line of Business (LOB) or business segment
• Creates and communicates best practices and underwriting guidance to the company
• Serves as a technical expert in Corporate Underwriting on responses to questions on assigned LOB or business segment
• Analyzes premium and loss data and other key reports on monthly and quarterly basis to ensure long-term profitable growth
• Reviews underwriting and loss results for underlying trends impacting results and make recommendations to people leader on potential actions
• Recommends and develops new product ideas and reviews existing and drafts new coverage language
• Provides analysis and research to people leader in development of short term and long-term strategies in support of enterprise wise business and profitability goals
• Prepares and teaches underwriting workshops and seminars for underwriting team
• Evaluates complex underwriting risks and provides analysis and guidance to all branch underwriting team

Corporate Underwriting Consultant

Business Analyst

• Plans and scopes inter-related initiatives with senior level stakeholders and guides informed decisions about which initiatives to prioritize.
• Leads meetings with business and technology partners on highly complex, enterprise wide projects to elicit, analyze, translate, and document complex business requirements into technical requirements.
• Partners with Business Process Management team to create detailed, granular, and development ready requirements/stories for large, highly complex initiatives.
• Facilitates a team to create process flows outlining processing and handoffs looking for redundancies and opportunities to minimize handoffs.
• Delivers workflows and recommendations to stakeholders.
• Drives inter-team communication and individual changes needed to ensure initiatives meet their intended outcomes.
• Analyzes the big picture impact of proposed solutions and offers a business perspective during the design process.
• Collaborates with SMEs and stakeholders to identify gaps and propose creative solutions to solve complex business problems with the team.
• Performs operational reviews as the initiative progresses and looks for opportunities for improved processes to promote efficiency.
• Assists other Business Analysts in the decision-making process and makes recommendations on direction.
• Provides technical subject matter expertise to other Business Analysts.
• Creates testable requirements and/or stories.
• Performs end-user testing and training tasks.
• Works closely with the business stakeholders and delivery team to ensure all identified scenarios are properly tested and defects are resolved.

Senior Business Analyst – CRM

• Performs moderately complex actuarial work for ratemaking, reserving and/or modeling
• Completes and coordinates the completion of pricing, reserving, and/or modeling work assignments including data preparation and analysis, and presents recommendations to key stakeholders
• Applies industry standard methodologies and techniques for pricing, reserving, and/or modeling
• Demonstrates methodologies and assumptions for other team members as appropriate
• Tests, measures, and documents impacts of changes to methods, assumptions, and model variables
• Researches market trends and emerging issues for potential impacts to EMC and opportunities for implementation
• Ensures actuarial work conforms to professional standards
• Recognizes, acknowledges, and documents assumptions, biases, and limitations
• Detects and corrects errors in own and others’ work as identified in part of a peer review process
• Utilizes Microsoft office products such as Excel, Word, PowerPoint, Power BI, as well as programming languages such as SQL to perform moderately complex pricing, reserving, and/or modeling analysis
• Develops and maintains dynamic and macro driven Excel templates and data solutions for each line of business, state, and program
• Addresses unique operational issues requiring special attention such as challenges posed by state regulatory requirements and/or changing economic environment

Senior Actuarial Analyst – Predictive Modeling

• Prepares and approves renewals for accounts within authority limit with a focus on long term profitability, retention and achieving branch and company pricing goals
• Based on branch established guidelines, leverages negotiation skills to obtain adequate rate
• Reviews account information, including coverage details, claims history, and any relevant updates or changes
• Evaluates the risk profile of each account and assesses its eligibility for renewal based on established underwriting guidelines
• For accounts outside authority, prepares information for underwriter to complete the renewal
• Communicates with agents to ensure all renewal information has been requested and received
• Regularly collaborates with underwriters throughout the renewal process ensuring a holistic approach to managing the agency book of business
• Maintains proper file documentation
• Develops relationships with agents by providing excellent customer service to promote renewal retention
• Builds and nurtures relationships with agents by regularly engaging in meaningful interactions, such as face-to-face meetings, virtual meetings, phone conversations, and written communication
• Responds to concerns or issues raised by agents regarding endorsements and renewals promptly and effectively, collaborating with internal teams to find solutions that meet the needs of both the carrier and agency
• Reviews and approves endorsements that fall within a specified list of requirements and within authority
• Underwrites and provides endorsement quotes to agents
• Corresponds with agents for additional information
• Assesses the potential risks associated with proposed endorsements, taking into account factors such as policy coverage, loss history and claims data to evaluate the overall impact on the policy
• Determines if additional information or assessments are required for accurate decision-making
• Reviews and approves reinstatements and cancellations
• Assists agents with policy billing inquiries
• Performs support duties for branch departments including but not limited to, ordering and analyzing reports as appropriate, reviewing drivers, and completing monthly projects
• Collaborates with experienced underwriters and territory management team members to develop understanding of company and branch risk appetite, underwriting resources, and systems

Commercial Underwriting Associate

• Manages assigned Specialty underwriting team and enforces the Specialty Unit guidelines and procedures
• Demonstrates extensive expertise in territorial underwriting nuances, encompassing a thorough understanding of legal frameworks, regulatory landscapes, and region-specific challenges
• Proactively assesses the impact of evolving legislation and market dynamics to ensure strategic and compliant decision-making within diverse territorial contexts
• Models smart and effective underwriting practices for individual accounts, all lines of business, and different classes within the Specialty Unit
• Implements strategies to address challenges to profit and drive that message throughout the underwriting unit
• Monitors progress of underwriters’ assigned agents and guides underwriters and agents in achieving annual goals while driving them to match price to quality across the book of business
• Seeks feedback from agents and takes action to improve their experience and grow profitable books of business
• Engages with regional offices and collaborates with assigned underwriters to oversee existing agency relationships while cultivating new partnerships that drive profitability and restore underperforming or low-growth relationships
• Conducts meetings and educational sessions with agents to enhance their understanding of EMC products, underwriting criteria, systems, and services, fostering the generation of high-quality new business opportunities
• Partners with sales and marketing to deliver exceptional customer experiences, enhance underwriting responsiveness, and position EMC as the preferred insurer
• Oversees and monitors the workload and performance of assigned underwriting team
• Develops team expertise and works with UW leadership in succession planning, including identifying talent and implementing development plans for critical positions
• Collaborates with team members to establish performance goals and monitors status
• Conducts reviews and provides coaching
• Interviews, hires, and recommends salary adjustments for team members
• Identifies training needs and works with UW & Program leadership to provide training for team and encourages continuing education and ongoing quality improvement
• Supports diversity and inclusion initiatives
• Fosters an innovative culture, including supporting new ideas and providing guidance on potential changes
• In collaboration with Business Unit, Regional Middle Market leadership, and Finance leadership, develops, monitors, and maintains the budget for assigned region
• Establishes and oversees budgetary goals and controls, ensuring underwriting strategies align with business objectives
• Analyzes past financial data to predict future expenses and identifies areas for cost reduction
• Monitors team to ensure that underwriters operate within set guidelines, authority limits, rate goals, and branch service directives while matching price to quality across the book of business
• Performs audits on new business and renewals for compliance and quality.

Underwriting Manager – Specialty

Product Manager

• Serves as the business unit authority and subject matter expert on all assigned products.
• Creates and maintains strategic, high-level product roadmaps based on input from business owners and stakeholders.
• Facilitates critical conversations to drive the prioritization process and resource alignment.
• Researches insurance industry trends, technology advancements, and competitor actions in the digital product space.
• Makes adjustments to strategic vision and roadmaps as necessary.
• Manages total cost of ownership (TCO) for assigned digital products.
• Tracks overall costs to deliver and maintain products with a focus on cost containment and value maximization.
• Partners with business areas and IT to recommend buy versus build decisions and procurement of vendor solutions.
• Manages current product life cycles and maintains market awareness of potential third-party solutions.
• Drives the complex product development effort to ensure products generate desired benefits and support value streams.
• Collaborates with Product Owners on product roadmap development and changes.
• Supports Product Owners and product teams in executing their responsibilities.
• Establishes and measures KPIs and/or OKRs and monitors business outcomes to confirm expected benefits realization.