Senior Risk Advisory Consultant

The Senior Risk Advisory Consultant is a senior individual contributor who delivers advanced insurance and risk‑management advice as part of the holistic wealth planning process. Aligned to designated regions, the role partners closely with Wealth Advisors and Wealth Strategists to identify client risks, evaluate existing coverage, design appropriate strategies and coordinate implementation. The Senior Consultant serves as a subject‑matter expert for complex high‑net‑worth and ultra‑high‑net‑worth client needs, leads client and advisor discussions, and helps strengthen consistent Risk Advisory practices across SCAS.

Please see below for specific responsibilities and requirements for this role.

• Advanced Risk Assessment:
  Lead structured risk assessments for new and existing wealth strategies, identify protection and liquidity gaps, and document findings and recommended next steps.
• Holistic Solution Design:
  Develop insurance strategies that complement estate planning, wealth transfer, business succession, executive benefits, charitable objectives and broader client financial goals.
• Client Advisory:
  Explain complex insurance concepts, tradeoffs and implementation considerations to clients and their external advisors in a clear, balanced and understandable manner.
• Wealth Team Partnership:
  Work alongside Wealth Advisors, Wealth Strategists, fiduciary professionals and other SCAS specialists from discovery through recommendation and implementation.
• Case Leadership:
  Lead complex cases, including data gathering, financial and policy analysis, illustration review, carrier engagement, underwriting coordination, application strategy and policy delivery.
• Existing Policy Review:
  Evaluate existing life, disability, long‑term care and annuity arrangements for alignment with current objectives, ownership structures, funding assumptions and service needs.
• Regional Engagement:
  Develop proactive relationships across assigned regions, participate in opportunity and planning discussions, and help advisors identify situations requiring Risk Advisory involvement.
• Quality and
  
  Risk Management:
  
  Maintain complete documentation, follow applicable policies and procedures, elevate exceptions and concerns, and support appropriate review of recommendations and transactions.
• Practice Development:
  Contribute to assessment questions, planning standards, advisor education, templates and process improvements that scale the Risk Advisory model.
• Mentorship:
  Provide technical guidance and case support to the Risk Advisory Associate and less‑experienced partners while escalating the most complex matters to the Director.
• Other Duties:
  Performing other duties as assigned, adapting to new tasks or shifts in priorities as necessary to support your team's and the company's mission.

• Bachelor’s degree or equivalent combination of education and experience.
• Appropriate state insurance licenses for Life, Health and Long‑term Care, as required under Fifth Third licensing guidelines.
• Eight or more years of insurance planning, advanced case design, wealth planning or related financial‑services experience.
• Demonstrated experience advising high‑net‑worth clients and collaborating with relationship managers, planners or external professional advisors.

• Qualified candidates will possess an advanced degree of proficiency, typically developed through eight or more years of relevant experience, in:
  Insurance and Risk Analysis:
  Assessing life, disability, long‑term care and annuity needs and evaluating existing and proposed solutions.
• Complex Planning:
  Applying insurance concepts within estate, tax, liquidity, business‑owner and wealth‑transfer planning.
• Consultative Communication:
  Leading…