Freelance Operational Risk Manager Jobs in Arizona

Position Summary

The Risk Management Analyst is responsible for building, standardizing, and managing the company's risk management program, with a primary focus on workers' compensation, claims management, and insurance programs within a self-insured retention (SIR) structure.

This role combines strategic oversight with hands-on execution, driving claim cost control, improving outcomes, and implementing consistent incident management and safety processes across approximately 50 retail locations across the United States.

Operating within the RideNow Way, this role helps bring consistency, accountability, and operational discipline to overall risk management practices across all locations-ensuring that processes are followed, incidents are handled effectively, and decisions support both employee well-being and business performance.

The position partners closely with Legal, HR, Operations, Brokers, and TPAs to actively manage risk exposure, ensure compliance, and drive accountability at the store level.

The goal of this role is to transform risk management from a reactive, decentralized model into a structured, cost-controlled, and scalable function that supports operational performance and financial outcomes.

Key Responsibilities

Risk Analysis & Cost Control

• Analyze loss data, claim reserves, and total cost of risk (TCOR)
• Develop reporting and dashboards to identify trends and cost drivers
• Track key metrics including claim duration, cost per claim, reserve accuracy, and lost-time frequency
• Provide recommendations to reduce claim costs and improve outcomes

Claims Processing Management

• Manage workers' compensation claims across multiple states within a self-insured retention (SIR) structure
• Monitor claim reserves, severity, and lifecycle to control financial exposure
• Partner with TPAs and adjusters to drive claim resolution and challenge reserve levels and strategies
• Analyze claim trends and identify drivers of loss; recommend corrective actions
• Support return-to-work programs, including modified duty and lost-time management
• Partner with HR and third parties to coordinate handling all claims, including general liability and workers' compensation cases

Incident Management & Reporting Discipline

• Establish and standardize incident reporting processes across all locations
• Oversee investigation of incidents, including documentation, root cause analysis, and corrective actions
• Ensure timely and accurate reporting of all incidents (i.e., WC, liability, auto, property)
• Identify trends in incidents and implement preventative measures

Field Training & Safety Coordination

• Train General Managers and store leadership on incident response, reporting expectations, and workers' compensation procedures
• Establish and support store-level safety contacts to drive accountability
• Promote consistent safety practices and awareness across locations
• Support OSHA compliance efforts and documentation requirements (logs, postings, etc.)

Program Standardization & Compliance

• Support centralization of risk management processes at headquarters
• Ensure compliance with multi-state workers' compensation and safety regulations
• Maintain audit-ready processes and documentation
• Develop and implement policies, procedures, and controls

Risk & Operational Support

• Support development and coordination with internal teams of standardized drug testing and incident response protocols
• Provide guidance to operations on risk mitigation and safety practices
• Participate in store visits and operational reviews as needed

Insurance & Broker / TPA Management

• Serve as primary liaison with insurance brokers, carriers, and TPAs
• Support renewals, underwriting submissions, and exposure reporting
• Ensure integrity and accuracy of claims and exposure data
• Provide input on coverage strategies, retention levels, and cost implications
• Partner with Legal on complex claims and litigation matters

Additional Responsibilities

• Perform additional responsibilities as needed to support risk management operations, process improvement, and business needs

Qualifications

• 5-8+ years of experience in workers' compensation, risk management, or insurance
• Strong experience in multi-state environments
• Experience working with TPAs, brokers, and carriers
• Demonstrated ability to influence claim outcomes and manage costs
• Strong analytical skills with ability to interpret claims data and trends
• Experience implementing or improving processes and programs
• Retail, dealership, or multi-location experience preferred
• Experience in self-insured or SIR environments strongly preferred
• Ability to multitask in a fast-paced environment with performance-oriented results

Physical Requirements & Work Environment

• In office Monday through Thursday, remote on Fridays with use of computer, phone, and standard office equipment
• Ability to remain in a stationary position for extended periods
• Frequent communication with internal and external partners
• Ability to travel occasionally to field locations as needed for training, audits, and incident review
• May be exposed to operational environments (retail/service areas with equipment and noise)

Work Authorization

Candidates must be authorized to work in the United States without current or future

sponsorship.

Our Culture

We operate in a fast-paced, performance driven environment focused on accountability, ownership and continuous improvement.

Equal Opportunity Employer

RideNow is an equal opportunity employer. We are committed to creating an inclusive environment for all employees and applicants and do not discriminate based on race, color, religion, sex, national origin, age, disability, or any other protected status.