Horace Mann

Risk

• Play a critical part in ensuring financial strength, optimizing capital allocation, and evaluating strategic growth opportunities.
• Partner closely with actuarial, finance, investments, and executive leadership to drive data-informed decisions that balance risk, return, and regulatory requirements.
• Influence the company’s financial resilience and growth strategy directly by ensuring appropriate risk-taking, efficient capital deployment, and disciplined evaluation of strategic opportunities.
• Play a key role in maintaining strong regulatory standing and supporting rating agency relationships.
• Support the design, enhancement, and execution of the company’s ERM framework in alignment with NAIC and ORSA requirements.
• Identify, assess, and monitor key risks including underwriting, market, credit, liquidity, and operational risks.
• Lead risk assessments, scenario analysis, and stress testing (e.g., interest rate shocks, catastrophe events, lapse risk).
• Prepare risk reports and dashboards for senior management and the Board.
• Collaborate with business units to develop and track risk mitigation strategies.
• Evaluate strategic initiatives including M&A, reinsurance transactions, distribution partnerships, and new product/market entry.
• Build and review financial models for acquisitions, divestitures, and strategic investments.
• Perform valuation analyses (DCF, comparable companies, embedded value where applicable).
• Conduct industry and competitor analysis across life, annuity, and/or P&C markets.
• Support due diligence and integration planning for transactions.
• Develop and maintain capital models across regulatory and economic frameworks (e.g., RBC, economic capital, rating agency models such as AM Best/S&P).

Enterprise Risk and Capital Strategy Principal

Claims Specialist

• Investigate complex claims involving fire, water, catastrophe, and other dwelling losses.
• Evaluate claims involving dwelling, unscheduled personal property, and theft events.
• Verify coverage, determine liability, and assess scope of damages.
• Develop detailed damage estimates using Xactimate, including sketching and multiple pricing updates based on industry standards.
• Negotiate settlements in accordance with company best practices.
• Provide transparent, timely communication to all parties involved, including policyholders, agents, vendors, and legal representatives.
• Act as a mentor within the unit, supporting knowledge sharing and team development.

Property Claims Adjuster II

Account Executive

• Handle in-bound inquiries and place out-bound follow-up calls to educators seeking life insurance solutions
• Develop trust-based relationships, educating clients on owning life insurance products
• Meet or exceed sales targets and activity metrics through consultative, needs-based selling
• Maintain compliance with regulatory requirements and company quality standards
• Accurately document interactions in CRM systems and stay informed on industry updates and product enhancements

Life Sales Representative

Financial Planning and Analysis

• Conduct economic and financial research to assess Investment trends and conditions.
• Prepare the Investment exhibits for the 10K, Financial notes, Investment Committee, Investment front office and others.
• Prepare the Investment portions of the STAT MD&A and STAT audited files.
• Analyze, interpret and make recommendations of securities for impairment.
• Establish monthly, quarterly, and annual financial results to support senior management.
• Ensure compliance with financial reporting standards and company policies.
• Manage the expectation of both internal and external parties as it relates to deliverables and deadlines.
• Identify opportunities to enhance financial systems and reporting methods.
• Streamline processes by leveraging automation.
• Collaborate with senior management and functional teams to improve financial processes and reporting accuracy.
• Ensure data management integrity and control considerations are maintained in financial reporting tools.
• Use thoughtful judgement with appropriate pushback for reporting redundancies and consolidation.

Financial Analyst II

Customer Support

• Lead end-to-end servicing contact center operations across voice and digital channels.
• Drive performance across key service metrics including service level, abandon rate, average handle time (AHT), first contact resolution (FCR), quality assurance (QA), customer satisfaction (CSAT), net promoter score (NPS), complaint management, and regulatory compliance.
• Foster a strong coaching culture and build frontline leadership capability.
• Drive demand management initiatives to reduce avoidable contacts.
• Partner cross-functionally with Underwriting, Billing, Claims, Distribution, and Product teams to resolve systemic service issues.
• Lead the enterprise QA framework including calibration standards and coaching effectiveness.
• Integrate speech and text analytics to generate actionable insights.
• Ensure governance, compliance, and performance transparency.
• Oversee forecasting, capacity planning, scheduling, and intraday operations management.
• Manage shrinkage controls and scenario planning.
• Establish a unified workforce management model across internal and outsourced operations.
• Provide operational ownership for contact center platforms including routing, IVR, call recording, and knowledge management tools.
• Partner with IT to define technology roadmaps, integrations, and platform modernization initiatives.
• Simplify and rationalize fragmented or legacy tooling.
• Establish enterprise dashboards and KPI governance.
• Lead Voice of the Customer (VOC) programs, root-cause analysis, and identification of contact demand drivers.
• Translate insights into operational, training, and digital improvements.
• Govern business process outsourcing (BPO) relationships, service level agreements (SLAs), and contract performance.
• Ensure consistent performance management across internal and partner operations.
• Lead the contact center transformation roadmap, including self-service capabilities, workflow automation, AI-assisted servicing, and digital enablement.
• Develop business cases and oversee ROI realization for modernization initiatives.
• Balance automation with regulatory compliance and customer trust considerations.
• Own the enterprise Customer Experience function, establishing a cohesive customer-centric strategy aligned with corporate objectives.
• Lead the development and improvement of end-to-end customer journeys across service, claims, and digital touchpoints.
• Establish and govern Voice of the Customer programs, leveraging customer feedback, analytics, and operational insights to drive improvements.
• Define and monitor enterprise CX metrics including NPS, CSAT, Customer Effort Score, and journey-level performance indicators.
• Partner with leaders across operations, claims, marketing, digital, and HR to embed customer-centric behaviors, processes, and performance management across the organization.
• Lead enterprise initiatives that strengthen customer-centric culture and improve brand perception and loyalty.

VP Customer Care – Contact Center Shared Services

Product Manager

• Own profit and growth performance for Personal Lines Auto and Home across 44 states.
• Develop and execute state-specific strategies to achieve target loss ratios, retention, growth, and expense objectives.
• Diagnose performance drivers using internal data and external market intelligence, translating insights into actionable strategies.
• Establish portfolio guardrails and ensure disciplined underwriting and segmentation strategies.
• Partner with Pricing and Actuarial teams to shape rate indications and state-level pricing strategies.
• Lead the end-to-end rate, rule, and form filing agenda, including proposal development, cross-functional alignment, regulatory submission coordination, and objection management.
• Ensure alignment among pricing strategy, underwriting appetite, claims insights, and operational capabilities.
• Build and maintain strong relationships with state Departments of Insurance.
• Monitor and manage portfolio mix, catastrophe exposure, geographic concentration, and emerging risk trends.
• Identify and implement corrective actions when performance deviates from plan.
• Drive disciplined new business growth aligned with profitability targets.
• Lead the implementation of product changes across Technology, Operations, Distribution, Marketing, and Customer Experience teams.
• Ensure system readiness, field communication, training, and performance monitoring plans are in place.
• Establish a rigorous operating cadence including state performance reviews, action tracking, filing calendars, and post-implementation measurement.
• Maintain a strong understanding of competitor pricing, underwriting posture, coverage positioning, and distribution dynamics.
• Recommend strategic actions to strengthen competitiveness while protecting margins.
• Partner with Distribution leadership to align product strategy with field execution.
• Lead and develop a high-performing team of state product leaders and managers.
• Establish consistent governance, best practices, and performance management across the state portfolio.
• Build organizational capability, leadership bench strength, and succession pipelines.

VP, Product Management

Security Engineer

• Develop and manage a standardized intake process aligned to Technology governance practices.
• Facilitate prioritization discussions based on business value, risk, resource availability, and financial impact.
• Ensure all incoming work is properly scoped, documented, and communicated.
• Maintain visibility into workload, resource allocation, and team capacity across Security & Infrastructure.
• Partner with leaders to forecast staffing needs and identify resource gaps.
• Provide analytical insights to support vendor strategies and contract decisions.
• Support annual budget planning, quarterly forecasts, and long-term financial strategy.
• Track actual spend versus budget for labor, tools, vendors, and capital initiatives.
• Conduct variance analysis and recommend corrective actions or optimization opportunities.
• Develop dashboards and reporting that reflect intake status, KPIs, team performance, and financial progress.
• Prepare executive-ready summaries for leadership communication.
• Collaborate with leadership to define and track KPIs that reflect operational effectiveness and financial stewardship.
• Identify performance trends and recommend improvements.
• Promote adoption of metrics that improve transparency and accountability.
• Serve as a liaison across Security, Infrastructure, PMO, Finance, and Business Units.
• Translate complex technical issues into business and financial context.
• Document, refine, and standardize processes related to intake, planning, reporting, and financial management.

Business Engagement Lead – Security & Infrastructure

Ecommerce

• Manage the online experience for HoraceMann.com to optimize key performance indicators including quote start rate, quote completion rate, website satisfaction, SEO performance, and engagement metrics.
• Plan, manage, and conduct A/B and user experience testing to improve digital performance and customer journeys.
• Analyze traffic, engagement, and conversion metrics to identify optimization opportunities.
• Perform day-to-day operation, maintenance, and cosmetic updates of company websites and digital applications using an enterprise content management system (CMS).
• Build and update web pages to support discovery, quoting, purchasing, and servicing activities.
• Execute approved digital campaigns by building and publishing pages and components within Sitecore, ensuring alignment with design standards and timelines.
• Maintain and optimize content for local agent web pages using defined templates and governance guidelines.
• Support content governance by monitoring accessibility, performance, SEO best practices, and regulatory compliance.
• Validate SEO tagging, metadata, tracking implementation, and landing page functionality.
• Collaborate with QA and development teams to support testing, defect identification, and release validation.
• Escalate issues as appropriate and assist with post-release issue resolution and training.
• Configure, maintain, and monitor digital analytics using Google Analytics and Google Tag Manager.
• Produce routine and ad hoc reports on website traffic, engagement, conversion, SEO, and SEM performance.
• Validate tracking implementation and ensure accurate performance reporting for stakeholders.
• Serve as a digital subject-matter resource for business analysts, project managers, and development teams.
• Provide input on requirements, support testing and validation activities, and assist with post-launch updates.
• Collaborate with SEO and SEM stakeholders and agency partners as needed.

Digital Experience Specialist

Underwriter

• Review, evaluate, and classify medical, non-medical, and financial risks to determine underwriting offers on new life insurance policies.
• Underwrite life insurance risks with approval authority up to $5,000,000 face amount cases.
• Ensure underwriting decisions are fair, consistent, and aligned with company profitability objectives.
• Maintain strict adherence to internal underwriting guidelines, SOPs, regulatory statutes, and legal/compliance directives.
• Manage and process caseload in a timely and productive manner, meeting or exceeding established service standards.
• Demonstrate superior competency in utilizing underwriting and new business systems, including Resonant, online reference manuals, and vendor websites.
• Complete audits of underwriting decisions and processing to ensure proper mortality assessments and identify training opportunities.
• Provide back-up support to the Chief Life Underwriter as needed.
• Complete cosigns for Underwriter-level cases as assigned.
• Develop and maintain strong working relationships with agents, sales teams, and internal and external customers.
• Provide accurate and timely communication to agents via email and telephone.
• Support a collaborative underwriting environment that promotes transparency and partnership.
• Participate in projects, committees, and presentations as required.
• Identify and recommend opportunities to improve underwriting processes and procedures.
• Train and mentor team members in underwriting best practices and system utilization.
• Complete five (5) or more professional development actions annually, including industry courses, seminars, or continuing education activities.

Senior Life Underwriting Consultant

Manager

• Build and maintain strong working relationships with IT and business partners to support strategic goals and objectives.
• Serve as the primary intake point for all digital requests across the organization.
• Directly manage BA, QA, and UXD team members.

Engagement Lead Manager – Digital Organization

IT Support

• Assist with coordinating across multiple teams: Data Governance, Data Enablement Real-Time Services, Data Warehousing, and Data Reporting.
• Play a pivotal role in ensuring stability, efficiency, visibility, and continuous improvement of enterprise data capabilities.
• Evaluate and prioritize incoming requests based on business impact, urgency, and technical feasibility.
• Set clear expectations with stakeholders, ensuring alignment with organizational goals.
• Communicate trade-offs transparently, advocating for business value over reactive task execution.
• Develop a structured framework for prioritization that ensures mission-critical support needs are met while also advancing right-sized enhancements that drive continuous improvement.
• Ensure operational metrics, roadmaps, goals/outcomes, project status, and other critical reports outs for the data department are updated appropriately.
• Identify and help remove operational roadblocks that limit team effectiveness, including process inefficiencies, unclear responsibilities, or misaligned priorities.
• Facilitate necessary resource capacity/demand activities include planning, onboarding, tracking, and support for both employee and contractual staff across all enterprise data teams.
• Ensure cross-team collaboration, fostering a shared understanding of priorities, dependencies, and technical solutions.
• Create and uphold accountability structures to ensure work is completed efficiently and of high quality.
• Drive a culture of ownership, problem-solving, and continuous learning.
• Coach team leads on best practices for planning, reporting, and cross-functional collaboration.
• Act as a central point of escalation and resolution for cross-team resource conflicts or competing priorities.
• Promote the use of generative AI tools to boost team creativity, efficiency, and skill development.
• Serve as the bridge between technology teams and business stakeholders, ensuring both sides understand priorities, constraints, and impacts.
• Maintain a strong grasp of enterprise data systems, workflows, and potential challenges, ensuring informed decision-making.
• Set firm but fair expectations with business stakeholders, ensuring they understand how and why prioritization decisions are made.
• Provide regular updates on progress, challenges, and key outcomes related to support and enhancements.
• Communicate realistic timelines, risks, and trade-offs when managing requests.

IT Manager – Engagement Lead for Enterprise Data

Vice President

• Develop, oversee, and manage comprehensive product competitive intelligence, including in-depth analysis of peer products, features, benefits, pricing, and positioning.
• Utilize industry data and market insights to inform product design, rate setting, and product enhancement strategies.
• Monitor market trends and competitive shifts to proactively identify opportunities and risks.
• Oversee preliminary product design activities for new products and updates to existing products.
• Guide strategic product recommendations to ensure alignment with business objectives and customer needs.
• Identify opportunities for product refinement, repositioning, or retirement as needed.
• Identify and direct illustration modifications and enhancements for Life and Retirement products.
• Serve as the subject matter expert for illustration platform updates and changes, ensuring alignment between product strategy and system capabilities.
• Partner with technology and actuarial teams to ensure illustration accuracy, compliance, and competitive differentiation.

Assistant Vice President – Product Strategy

• Develop, lead, and execute the operational strategy for Premium Services across the enterprise.
• Translate enterprise objectives into measurable operational plans and outcomes.
• Ensure delivery of high-volume, customer-facing transactions with accuracy, timeliness, and service excellence.
• Maintain strong operational controls and ensure regulatory compliance.
• Build and lead a highly engaged, high-performing team.
• Foster a culture of accountability, data-driven decision making, and flawless execution.
• Develop leadership bench strength and ensure appropriate staffing and succession planning.
• Partner with Analytics to design and maintain an Operations dashboard.
• Leverage KPIs, performance metrics, and business insights to drive continuous improvement.
• Identify trends and proactively implement solutions to enhance performance and customer experience.
• Collaborate with senior leadership and partners across Compliance, IT, Distribution, HR, Legal, and other functions.
• Influence and execute technology roadmaps and strategic initiatives.
• Support enterprise-wide strategic and tactical implementations within Operations.
• Exercise authority in making policy-level decisions and initiating procedural improvements.
• Stay actively engaged in the financial services industry to monitor regulatory developments, emerging technologies, and billing best practices.

Assistant Vice President, Premium Services

Program Manager

• Lead multiple large projects and/or programs simultaneously
• Provide strategic direction across lines of business
• Direct and monitor project managers and program team members
• Mentor and develop less experienced project managers and team members
• Set team direction and establish clear goals and deliverables
• Assist in the creation of business cases
• Define and clarify project scope and objectives
• Develop and monitor program and project plans
• Develop and manage project schedules
• Develop and monitor program and project budgets
• Ensure deliverables align with established plans
• Determine appropriate organizational structure for program/project teams
• Identify roles and responsibilities across teams
• Coordinate activities across multiple organizational functions
• Ensure technology solutions and services meet company standards and user requirements
• Identify and develop mitigation plans for critical program issues and risks
• Monitor overall program progress and performance
• Escalate issues as appropriate
• Serve as primary liaison to steering committees and program sponsors
• Provide program-level reporting and executive communications
• Communicate progress, risks, and outcomes to project teams, sponsors, and management
• Assign work and ensure results are consistent with strategic plans
• Motivate and guide cross-functional teams
• Foster collaboration and accountability
• Promote a high-performance culture

Actuary

• Analyze loss development, claim trends, severity inflation, and mix of business impacts.
• Identify drivers of reserve changes and loss emergence and communicate findings for management review.
• Support quarterly and annual reserve studies using standard actuarial techniques (e.g., chain ladder, Bornhuetter-Ferguson, frequency/severity methods).
• Monitor actual vs. expected loss emergence and identify key drivers of deviations.
• Support the selection of actuarial assumptions with increasing judgment and documentation.
• Provide insight to business partners and executive leadership around trends as part of the annual planning process and quarterly assessments of the business.
• Assist in the analysis, placement and ongoing management of reinsurance treaties and facultative arrangements.
• Assist with reinsurance renewals, modeling support and exposure analysis.
• Compile data for our reinsurance submission for reinsurance placement.
• Work with our business partners and our brokers in analyzing and monitoring exposure concentrations and opportunities.
• Assist in the implementation of business solutions using modeling data.
• Provide support of claims reporting to our reinsurers for placement.
• Provide support for the proper accounting and financial reporting of reinsurance.
• Provide support of modeling information for RBC, Capital management, Rating agency reporting, ORSA and others as needed.
• Assist with reserve-related inputs for financial statements, statutory filings, and regulatory reporting.
• Support audit requests by preparing exhibits, reconciliations, and explanations.
• Ensure compliance with actuarial standards of practice (ASOPs).
• Partner with claims, finance, underwriting, and data teams to understand emerging trends and operational impacts.
• Support responses to management and stakeholder questions regarding reserve changes.
• Assist in improving reserving tools, models, and automation processes.
• Contribute to documentation and best practices for reserving analyses.
• Support ad-hoc analytical projects as needed.