Director - Contingent Financial Risk

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We currently have an opportunity for a Director - Contingent Financial Risk to join our Healthcare Commercial Lines team.

HUB International's Contingent Financial Risk Practice is a specialized advisory team within the Healthcare Specialty Practice. We design and place risk transfer programs — provider excess of loss, aggregate stop-loss, HMO reinsurance, surety bonds, and quota share arrangements — that enable health plans, ACOs, and provider-led VBC organizations to reduce regulatory capital requirements, bound downside risk exposure, and optimize financial performance under value-based contracting.

Our advisory model is peer-level and technically grounded. We engage CFOs, CMOs, and Risk Officers on capital efficiency and risk structure — not as traditional brokers, but as analysts who own the quantitative case from first principles through final placement.

The VP, Contingent Financial Risk owns a portfolio of health plan, ACO, and provider-led VBC accounts — with full accountability for program strategy, carrier relationships, and new business production. This role requires demonstrated technical fluency in managed care risk structures, the quantitative capability to construct and defend complex capital and underwriting analyses independently, and the executive presence to lead high-stakes client conversations at the CFO and board level.

This is not a relationship management role with analytical support. The VP is expected to lead both the analysis and the client — building the model, owning the narrative, and closing the program.

• Own senior relationships across a portfolio of health plan, ACO, and VBC accounts — primary strategic contact for CFO, CMO, and Risk Officer counterparts through all phases of the program lifecycle.
• Lead carrier negotiations across medical excess of loss and reinsurance markets — driving terms, pricing, and structure on behalf of clients through the full placement cycle.
• Maintain active relationships across stop-loss, provider excess of loss, HMO reinsurance, surety, and quota share carrier panels — tracking appetite shifts, capacity changes, and product developments in real time.
• Track each client's risk profile with precision: membership trends, MLR dynamics, capital position, and VBC contract structure.
• Ensure accuracy of NAIC Health RBC data inputs used in proprietary capital reduction analyses and client-facing deliverables.

• Lead construction of proprietary capital reduction analyses, quota share structures, and surplus relief proposals for health plan clients — owning the full technical narrative from financial profile through program recommendation.
• Own surety bond strategy and placement for ACO clients with CMS financial guarantee obligations (MSSP, REACH, LEAD,…