Senior Manager, Risk Financing

Posted Thursday, August 27, 2026 at 4:00 AM

• Coca-Cola Beverages Florida, LLC (Coke Florida) is a family-owned independent Coca-Cola bottler that is the third largest privately-heldand the sixth largest independent Coca-Cola bottler in the United States.
• Coke Florida sells, markets, manufactures and distributes over 600 products of The Coca-Cola Company and other partner companies including Monster Beverage Corporation and BODYARMOR.
• In 2026, for the 5th year in a row, Coke Florida was named as a US Best Managed Company by Deloitte Private and The Wall Street Journal. This program recognizes outstanding U.S. private companies and the achievements of their management teams in four key areas: strategy, ability to execute, corporate culture, and governance/financial performance.

• Total Wellness Programs including health, dental and vision plans
• 401K program with healthy company match
• Supplemental Life Insurance
• Three weeks of vacation pay, and 10 company paid holidays*
• Tuition reimbursement
• Employee Assistance Programs (EAP)
• Competitive compensation

The Senior Manager, Risk Financing leads the financial strategy, design, and execution of Cardinal System Holdings' enterprise risk financing programs. The role is accountable for developing a disciplined approach to balancing risk retention, insurance transfer, captive utilization, liquidity, collateral, and capital deployment across the organization.

This leader translates actuarial, claims, exposure, and market data into practical financial decisions that improve total cost of risk, strengthen budget predictability, and protect enterprise value. The role partners closely with Finance, Claims, ERM, the Captive Manager, Legal, operating affiliates, brokers, actuaries, carriers, and reinsurers to ensure risk financing decisions are analytically supported, operationally executable, and aligned with enterprise objectives.

The successful candidate will combine strong insurance and actuarial knowledge with financial acumen, executive communication, program leadership, and the ability to influence complex decisions across a multi-entity organization.

• Develop and execute an enterprise risk financing strategy across property, casualty, executive risk, cyber, and other specialty lines, including appropriate use of guaranteed cost, large deductible, self-insured, captive, and alternative risk structures.
• Evaluate the financial and operational trade-offs among risk retention, transfer, mitigation, and avoidance, and recommend options aligned with risk appetite, balance sheet capacity, cash flow, and long-term enterprise value.
• Lead multi-year program design and renewal planning, including attachment points, limits, retentions, deductibles, collateral structures, fronting arrangements, and reinsurance considerations.
• Partner with ERM and operating leaders to connect material enterprise risks and changing exposures to risk financing priorities and insurance purchasing decisions.
• Identify opportunities to consolidate programs, eliminate duplication, improve coverage efficiency, and use enterprise scale more effectively across affiliates.

• Own the enterprise total cost of risk framework, incorporating premiums, retained losses, loss adjustment expenses, collateral costs, brokerage and service fees, risk control investments, and administrative expenses.
• Develop financial models that compare program alternatives and quantify expected, adverse, and severe outcomes under different retention and transfer strategies.
• Assess capital, liquidity, collateral, credit, and covenant implications associated with insurance and self-insurance structures.
• Partner with Finance and Treasury to align risk financing requirements with budgeting, forecasting, cash management, and capital planning processes.
• Establish cost allocation methodologies that are transparent, support accountability, and appropriately distribute program costs across affiliates and business units.
• Lead coordination with actuarial partners on loss projections, funding analyses, reserve reviews, pricing, confidence levels, and program feasibility studies.
• Critically evaluate actuarial assumptions, including loss development, trend, exposure growth, claim frequency and severity, inflation, IBNR, and tail risk.
• Analyze loss triangles, large-loss activity, claim development, and volatility to identify financial implications and inform retention decisions.
• Perform scenario analysis, sensitivity testing, stress testing, and multi-year forecasting to support executive decisions and financial planning.
• Translate technical actuarial findings into clear recommendations for Finance, executive leadership, and governance committees.

• Lead the financial workstream for annual…