Risk & Insurance Analyst

## Risk & Insurance Analyst Apply:
Schnucks Store Support Center (Corporate Office):
Full time:
Posted Today:
R-0044990#
** Job Description
** JOB SUMMARY The Risk and Insurance Analyst bridges high-level risk strategy and tactical execution by leading enterprise-level claims, overseeing Risk Management Information Systems (RMIS) data platforms, managing day-to-day insurance program requests, and evaluating Total Cost of Risk (TCOR). This role supports Enterprise Risk Management (ERM) programs and serves as a backup leader for the risk management department. Responsibilities cover the grocery banners of Schnuck Markets (including DESCO), Festival Foods, and Hometown Grocers.  

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** This role requires 4 days in office for up to 6 months to learn the role and then will be able to shift to 3 days a week in office and 2 days remote. This role is located in St Louis, Missouri.
** ESSENTIAL JOB RESPONSIBILITIES
● Claims Management & Recovery:
Report, track, review, and support the resolution of enterprise-wide insurance claims (Auto, Workers & Compensation, General Liability, Property, Executive/Management Liability, and Cyber) by coordinating directly with TPAs, adjusters, and internal stakeholders. Drive recovery efforts on third-party claims.
● Financial & Invoice Administration:
Ensure timely payment and processing of all invoices for vendor services, state assessments, premiums, and claim settlements.
● RMIS & TCOR Data Analytics:
Oversee and analyze claims data within RMIS platforms to evaluate TCOR, inform executive reporting, and support actuarial analysis.
● System Administration & Ownership:
Serve as the functional product owner for the RMIS (Origami Risk) and carrier platforms, managing system troubleshooting, custom reporting, and workflow optimization. Act as the functional system administrator for risk-focused committees, including the Policies & Procedures Committee, Labeling/Claims Review Team, and Risk Evaluation Team (RET).
● Insurance Program Administration:
Manage daily corporate insurance administration, certificates of insurance (COIs), evidence of property (EOP) requests, loss control services, claims, and the annual renewal cycle in partnership with leadership.
● Self-Insurance Compliance:
Oversee self-insurance program operations, including state filings, renewal applications, required payments, and audit compliance.
● ERM & Business Continuity:
Support the ERM framework, RET meetings and scoring sessions, risk register tracking, and Business Continuity Planning (BCP) across banners.
● Contractual Risk Transfer:
Review contracts, purchase orders, vendor agreements, and COI exception requests to ensure adequate risk transfer and compliance with corporate standards.  MINIMUM REQUIREMENTS
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Education:

Bachelor’s degree in Risk Management, Finance, Business Administration, Actuarial Science, or a related field.
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Experience:

2+ years of experience in corporate risk management, insurance claims handling/management, insurance brokerage, insurance underwriting, or a related field.
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Preferred Experience:

Corporate risk management experience within retail or a private company setting.
● Preferred Designations: RIMS-CRMP, ARM (Associate in Risk Management), CPCU, or similar professional designations.  REQUIRED KNOWLEDGE, SKILLS, AND ABILITIES  
* Knowledge
* ● Deep understanding of risk management frameworks, claims management processes, the claims lifecycle, and TCOR concepts.
● Strong knowledge of commercial insurance policy structures, renewals, and self- insurance state compliance requirements.
● Advanced understanding of RMIS systems (e.g., Origami Risk) and data reporting standards.

Experience with work management software (e.g., Asana) is preferred.
● Knowledge of risk transfer principles,…