Remote Merchant Risk Analyst Jobs in Ontario, CA

We’re determined to make a difference and are proud to be an insurance company that goes well beyond coverages and policies. Working here means having every opportunity to achieve your goals – and to help others accomplish theirs, too. Join our team as we help shape the future.   

At The Hartford, our Risk Services organization exists to help people and businesses thrive by working directly with customers to assess risk, improve resilience, and deliver practical risk mitigation solutions that make a measurable difference. We partner with customers throughout their lifecycle to identify exposures, reduce losses, and strengthen operational performance—combining consultative expertise, technology enabled risk solutions, and data driven insights to improve outcomes before and after a loss. By integrating risk assessment, prevention, and recovery with the broader insurance experience, we help customers protect what matters most while building trust, long-term value, and sustainable advantages for both our customers and our enterprise.​

As a Field Consultant, you will serve as a trusted risk advisor who partners with customers, underwriters, and distribution partners to identify and mitigate risk while supporting profitable growth. In this role, the consultant conducts multi‑line risk assessments and surveys, delivers practical, data‑driven risk mitigation services, and translates complex exposures into clear insights that inform underwriting decisions and customer actions. By collaborating closely with underwriting and participating in sales, renewal, and stewardship engagements, the field consultant helps differentiate The Hartford in the marketplace by demonstrating how proactive risk engineering, prevention strategies, and tailored solutions improve customer resilience, loss outcome.​

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Join us to continuously learn, expand your technical and consultative capabilities, and shape the future of risk engineering while delivering meaningful outcomes for customers and the enterprise. ​

This role offers a remote or hybrid work arrangement, with the expectation of coming into an office as business needs arise.  ​

This role offers a remote work arrangement but requires the candidate to reside in Southern, CA to effectively support regional operations, clients, and partners.  ​

Job requires travel for client site surveys and/or agency meeting/presentations. Travel could involve car and air travel (estimate 20-40%).​

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This position can be hired at various levels depending upon background and experience.

Responsibilities:​

Strategic Risk Advisory & Consulting​

• Act as a strategic risk advisor, partnering with clients to proactively identify emerging risks and cocreate practical, value-added mitigation solutions​
• Demonstrate customer centricity and empathy by tailoring recommendations to each client’s industry, risk profile, and business priorities​

Risk Assessment & Service Execution​

• Conduct risk assessments and consultations across multi lines of insurance using onsite, hybrid, and virtual/digital delivery models​
• Develop and execute data driven service plans that address loss drivers, operational exposures, and client business objectives​

Communication & Influence​

• Translate complex technical findings into clear, compelling insights using storytelling with data for clients, agents, and underwriting partners​

Digital Enablement & Innovation​

• Leverage digital tools, analytics, and emerging technologies (e.g., dashboards, virtual tools, AI enabled insights) to enhance service quality, efficiency, and customer experience​
• Contribute to a culture of innovation, knowledge sharing, and continuous improvement within Risk Engineering​

Collaboration & Growth Enablement​

• Collaborate cross functionally with underwriting, claims, sales, data, and technical experts to deliver integrated risk solutions​
• Identify opportunities to expand Risk Services offerings and support profitable growth​

Learning & Talent Development (by level)​

• Engage in continuous learning to stay current on industry trends, emerging risks, and evolving technologies​
• Mentor, coach, and support less experienced risk engineering consultants as appropriate by role level​

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Education, Professional Credentials and Experience

• 3+ Years progressive experience in risk engineering, safety, loss control, or related consulting roles, with scope and complexity aligned to role level
• Bachelor’s degree (BA/BS) strongly preferred in Safety, Engineering, Industrial Hygiene, Risk Management, Environmental Health, or a related technical discipline OR equivalent combination of education and experience

Qualifications​:

• Combination of education and experience (High School diploma required)
• Strong ability to assess risk, interpret loss data, identify trends, and develop targeted mitigation strategies​
• Comfort using digital tools, analytics, and technology‑enabled platforms to deliver risk engineering services​
• Demonstrated customer‑centric mindset with the ability to understand client priorities and tailor solutions accordingly​
• Proven ability to provide proactive consultation, including anticipating client needs and influencing adoption of recommendations​
• Strong storytelling with data skills — translating technical findings into meaningful business insights​
• Advanced written and verbal communication skills, including preparation of technical reports and delivery of client‑facing presentations​
• Ability to collaborate effectively across underwriting, claims, sales, agents, brokers, and technical partners​
• Digital fluency, including willingness to learn and adopt new tools, platforms, and AI‑enabled capabilities​
• Strong commitment to continuous learning, with curiosity and initiative to expand technical expertise, strengthen consultative capabilities, and adopt new digital and AI-enabledtools to enhance customer impact. ​
• Ability to achieve or maintain at least one professional safety or risk management certifications (e.g., CSP CIH, ARM, CPCU, CHST)

Compensation

The listed annualized base pay range is primarily based on analysis of similar positions in the external market. Actual base pay could vary and may be above or below the listed range based on factors including but not limited to performance, proficiency and demonstration of competencies required for the role. The base pay is just one component of The Hartford’s total compensation package for employees. Other rewards may include short-term or annual bonuses, long-term incentives, and on-the-spot recognition. The annualized base pay range for this role is:

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