High Risk Jobs in Miami, FL (NOW HIRING)

Title:Risk Manager - Insurance

Fully Remote: applicants in Eastern or Central Time Zone
Supporting:Longwood, FL|Required:Bachelor's degree in Risk Management, Finance, Business, Insurance(or a related field), active P&C license
Please note: If this position is posted as either fully remote and/or hybrid, in accordance with company policy, individuals residing within a 50-mile radius of a branch location may be required to work onsite in a hybrid capacity as there may be occasions when on-site presence is necessary to meet specific business needs. Additionally, our remote work policy includes having a dedicated, distraction-free workspace.Remote work is not a substitute for childcare, elder care, or other personal responsibilities during working hours.To view our branch locations, please visit: ioausa.com/locations

About the Role:TheInsurance Broker - Risk Manageris responsible foridentifying, assessing, and mitigating organizational risk through the design, placement, and ongoing management of insurance and risk financing programs. This role acts as a strategic advisor to clients or internal stakeholders, aligning insurance solutions with businessobjectiveswhile ensuring regulatory compliance, cost efficiency, and effective claims management.

Key Responsibilities:

• Risk Assessment:Conduct comprehensive risk evaluations across property, casualty, liability, professional, cyber, and related exposures toidentifyrisk profiles.

• Exposure Analysis:Analyzelosshistory, operations, and contractual obligations todeterminecoverage requirements and risk tolerance.

• Risk Mitigation Strategy:Develop and implement strategies, including loss control and prevention initiatives, to reduce exposure and improve outcomes.

• Program Design & Placement:Design and structure insurance programs that align with client or organizational needs and risk profiles.

• Carrier Marketing & Negotiation:Market programstocarriers, negotiating terms, coverage, and pricing to achieveoptimalresults.

• Alternative Risk Solutions:Advise onrisk financing strategies such as captives, selfinsurance, deductibles, and retention structures.

• Client Advisory:Serve as a trusted advisor to clients and leadership, providing guidance on risk management strategies and insurance solutions.

• Proposal & Renewal Strategy:Prepare and present risk analyses, insurance proposals, and renewal recommendations to stakeholders.

• Policy Administration:Review policies, endorsements, and certificates to ensure accuracy, adequacy, and proper coverage alignment.

• Compliance Management:Ensure adherence to regulatory requirements, contractual obligations, and internal risk management standards.

• Claims Oversight:Oversee claims reporting and resolution, coordinating with carriers, adjusters, and legal partners to drive favorable outcomes.

• Claims Analysis:Monitor claim trends and recommend corrective actions to reduce future losses and improve performance.

• Carrier & Stakeholder Collaboration:Partner with carriers and internal teams including Legal, Finance, HR, and Operations to align risk strategies.

• Market & Risk Intelligence:Stay informed on market trends, emerging risks, regulatory changes, and industry developments to provide proactive recommendations.

• Champion IOA Values:Demonstrateintegrity and leadership.

Ideal CandidateQualifications:

• Bachelor's degree in Risk Management, Finance, Business, Insurance, or related field; advanced degree preferred

• 5-10+ years of experience in insurance brokerage, risk management, or commercial insurance consulting. Active property & casualty licensing.

• Provenexpertisemanaging complex insurance programs and client relationships

• Professional designations such as CPCU, ARM, or CRM preferred; active insurance licensing asrequired

• Strong knowledge of commercial insurance products, coverage structures, and risk transfer strategies

• Excellent analytical, financial, negotiation, and problemsolving skills

• Outstanding communication and presentation abilities with a consultative, relationshipdriven approach

• High attention to detail, strong organizational skills, and ability to manage multiple priorities

What We Offer:

• Competitive salaries and bonus potential

• Company-paid health insurance

• Paid holidays, vacations, and sick time

• 401K with employer match

• Professional growth and career progression opportunities

• Respectful culture and work/family life balance

• Community service commitment

• Supportive teammates and a rewarding work environment

What to Expect(Application Process):

• 30-Minute Phone Screen, Online Assessments, and Interview(s)