Senior Account Manager

Job Details

Job Location:

Remote - Saint Petersburg, FL 33701

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The Senior Account Manager is the highest level of the DecisionHR Benefits Account Management career path, serving as a senior strategic consultant, executive relationship manager, and subject-matter expert for a portfolio of large, complex, and high-value client accounts. This role independently owns multi-year benefit strategy, advanced carrier negotiations, comprehensive funding analysis, and cost-containment program development -- and operates as a trusted advisor to client C-suite and senior HR leadership.

In addition to managing the most complex accounts in the portfolio, the Senior Account Manager provides mentorship and technical leadership to Benefits Account Manager I and II staff, contributes to team development and process improvement, and serves as the department's internal expert on funding arrangements, multi-state compliance, PEO master plan design, and benefits consulting best practices. Promotion to this level is based on demonstrated expertise rather than tenure alone.

• Serve as the senior strategic advisor and relationship owner for a portfolio of large, complex, and high-value client accounts; operate as a trusted executive-level consultant on all aspects of employee benefits strategy.
• Conduct executive-level stewardship meetings and benefits strategy sessions; present financial analyses, trend data, and strategic recommendations to C-suite and senior HR leadership contacts.
• Lead retention strategy for assigned accounts; proactively identify risks, develop mitigation plans, and ensure clients receive the highest level of consultative service.
• Partner with Sales, HR Business Partners, Payroll, Compliance, and Client Experience leadership on complex client needs and cross-functional initiatives.

• Own the full renewal lifecycle for a portfolio of large and complex accounts -- from multi-year strategy development through financial analysis, carrier negotiation, plan design recommendation, and implementation.
• Lead carrier negotiations on rates, plan design, service terms, and network arrangements; leverage claims data, utilization trends, and market intelligence to achieve optimal outcomes.
• Develop and present multi-year benefit strategy and cost-containment roadmaps tailored to each client's workforce demographics, financial objectives, and risk tolerance.
• Lead open enrollment strategy and execution for large accounts, including executive presentations, employee communication campaigns, and post-enrollment analytics.

• Conduct comprehensive funding analysis across fully insured, level-funded, self-funded, captive, and alternative funding arrangements; advise clients on the optimal funding strategy based on their size, claims experience, and risk appetite.
• Analyze claims experience, utilization data, pharmacy trends, and large claimant reports; develop cost-containment strategies including plan design changes, network optimization, wellness programs, and pharmacy management.
• Prepare budget projections, contribution modeling, and total cost-of-benefit analyses for executive review.
• Monitor and evaluate plan performance throughout the plan year; intervene proactively when trends indicate adverse cost or utilization patterns.

• Provide expert-level guidance on ACA compliance, ERISA, COBRA, Medicare coordination, HIPAA, and applicable state-level benefits regulations across multiple jurisdictions.
• Advise on PEO master plan design, open-market quoting strategy, multi-line benefits coordination, and client-specific plan carve-outs or carve-ins.
• Monitor federal and state legislative developments affecting employee benefits; communicate impacts and recommended actions to clients and internal teams.
• Serve as the internal subject-matter expert for complex compliance situations; elevate legal questions requiring outside counsel as appropriate.

• Provide mentorship, training, and development guidance to Benefits Account Manager I and II staff; serve as the senior escalation point for complex client, carrier, and compliance questions.
• Contribute to the development of department processes, playbooks, and best practices; lead or participate in team knowledge-sharing and professional development initiatives.
• Assist in evaluating and onboarding new carrier partnerships and benefits vendors.
• Follow company policies and procedures required to comply with applicable data privacy and confidentiality requirements, including but not limited to SOC controls and HIPAA Privacy and Security regulations.
• Other duties and responsibilities as assigned.

• Bachelor's degree in Business, Human Resources,…