Co-operators

Role Description The Associate Insurance Advisor II is a key player in the support and development of the agency operation primarily through sales and service. This role utilizes a broad knowledge of The Co-operators insurance products and services including farm and commercial. - Sales, service and profitable growth of specialty lines products. - Advise and recommend coverages and policies that best meet client needs. - Actively focus on prospecting for all lines of business by identifying and recommending additional products/services that benefit the client. - Complete front line risk assessment and selection following underwriting guidelines. - Achieve individual goals for client service, sales, quality and productivity and contribute to the achievement of overall agency sales and growth goals. - Respond to client questions and concerns, resolve customer complaints and escalate issues appropriately. - Proactively complete client reviews on the auto, home, farm and/or commercial portfolio. Qualifications - General Insurance license is required. - A Life license is an asset. - Meet all provincial-licensing requirements in accordance with continuing education in order to obtain and maintain all licenses. - A minimum of 2 years insurance industry experience including sales experience is preferred. - Possess in-depth knowledge of auto and property insurance products and strong underwriting skills. Requirements - You remain focused and optimistic in the pursuit of a goal, despite barriers, until the objective is achieved and effectively manage your time in the quest of client satisfaction. - You leverage information about client’s needs and situations to qualify sales opportunities and exhibit strong communication skills that allow you to clearly convey messages. - You are committed to continuous improvement and building productive client relationships in order to exceed client expectations. - You’re an effective team player and provide guidance to support the development of your peers. Benefits - Training and development opportunities to grow your career. - Opportunities to give back to your community. - A competitive compensation package and benefits program. - Expected salary range: $43,550.00 to $72,583.00 CAD. - Employees may also have the opportunity to participate in incentive programs and earn additional compensation tied to individual and/or business performance, or other business metrics. Company Description We are a leading Canadian financial services co-operative committed to being a catalyst for a sustainable and resilient society and our team is essential to deliver on this strategy. That’s why we prioritize our people, to ensure we provide a strong culture and development opportunities which enables our team to thrive and to live our purpose. The best part is that you will work with people that care passionately about you, our clients and our communities.

• Establish yourself as a trusted financial advisor in your community by building strong relationships with clients, understanding their goals, and delivering tailored solutions that meet their unique needs • Build and grow a profitable, sustainable client portfolio through proactive prospecting, networking, referrals, and community engagement • Deliver personalized, advice-based insurance and wealth solutions that drive client confidence, loyalty, and long-term financial security • Act as a visible and professional independent representative of Co-operators, strengthening our reputation and presence in the communities we serve

• Establish yourself as a trusted financial advisor in your community by building strong relationships with clients, understanding their goals, and delivering tailored solutions that meet their unique needs • Build and grow a profitable, sustainable client portfolio through proactive prospecting, networking, referrals, and community engagement • Deliver personalized, advice-based insurance and wealth solutions that drive client confidence, loyalty, and long-term financial security • Act as a visible and professional independent representative of Co-operators, strengthening our reputation and presence in the communities we serve

• Build strong relationships with local business owners, entrepreneurs, and organizations, helping them protect what matters most • Leverage your network, business development mindset, and advisory expertise to deliver tailored commercial insurance and risk management solutions • Deliver proactive, advice-based service that strengthens client loyalty, retention, and drives long-term growth • Act as a visible and professional independent representative of Co-operators, strengthening our reputation and presence in the communities we serve

Role Description As the Investigator, Towing Services you will negotiate and settle towing and storage expenses incurred by our policyholders. You will utilize dispute resolution tactics, assist legal counsel with documentation and work with various stakeholders to support investigations. - Maintaining a proactive follow-up system to monitor trends, outline organizational impacts, and apply legislative changes. - Resolving towing and storage disputes, including recommending alternative actions to manage accounts. - Investigating excessive towing and storage expenses incurred by our policyholders, including collaborating with claims partners to provide loss reconstruction and environmental cause and origin reports. - Preparing defence files with legal representatives and attending meetings, conferences and trials as required. - Providing exceptional client service in accordance with our claims service and quality standards, with the view of enabling the organization to be the industry leader in client engagement. Qualifications - You have two years of experience in auto insurance claims or a related field. - You have completed post-secondary education in insurance, risk management or a related discipline. - You have or are working towards the Chartered Insurance Professional (CIP) designation. - You have basic knowledge of insurance, towing operations, provincial legislation and court proceedings. Requirements - You influence change and are committed to continuous improvement, in order to exceed client expectations. - You leverage critical thinking skills to identify problems and proactively propose solutions. - Your strong communication skills allow you to clearly convey messages. - You’re an effective team player who shares knowledge to support our peers. Benefits - Training and development opportunities to grow your career. - Flexible work options to support personal and family needs. - A holistic approach to your well-being, with physical and mental health programs and a supportive workplace culture. - Volunteer opportunities to give back to your community.

Role Description As a Property Claims Representative II, you will be responsible for the investigation, negotiation, and resolution of complex property, farm, and commercial claims. You will contribute to our client service culture through daily interactions with clients and by implementing innovative, client-centric solutions. - Investigating, interpreting coverage, negotiating, and making decisions autonomously to resolve complex property, farm, and commercial claims. - Evaluating damage and preparing estimates on property losses, including attending the scene of the loss. - Collaborating with vendors and government officials to facilitate settlement of the loss. - Coaching, training, and providing technical support to the claims team. - Providing exceptional client service in accordance with our claims service and quality standards, with the view of enabling the organization to be the industry leader in client engagement. Qualifications - Three to five years of field property claims experience or related field. - Post-secondary degree or diploma. - Chartered Insurance Professional (CIP) designation or working towards it. - Provincial adjuster license(s) depending on the province of work. Requirements - Regular travel is required. - This role involves direct contact with clients and/or service providers in their environment. - Extended work hours, including evenings and weekends, will be required during peak periods and major events. - Background check as a condition of employment for the successful candidate. Benefits - Training and development opportunities to grow your career. - Flexible work options and paid time off to support personal and family needs. - A holistic approach to well-being, with physical and mental health programs and a supportive workplace culture. - Paid volunteer days to give back to your community. - Comprehensive total rewards package including group retirement savings plans, pension, and benefits (e.g., health and wellness, dental, disability, and life coverage), mental health support, and an employee assistance program. Salary Information Expected salary range: $60,574 to $100,956. The salary amount for the successful candidate is determined by Co-operators in its discretion and will vary depending on several criteria including but not limited to: local market conditions, geography, and relevant job-related factors such as knowledge, skills, qualifications, experience, and education. Employees may also have the opportunity to participate in incentive programs and earn additional compensation tied to individual and/or business performance, or other business metrics.

Role Description The Senior Investigator is responsible for the investigation and documentation of possible fraudulent activity received through various means including point of sale (application), underwriting, vendor and claims fraud on moderate to complex auto, property, injury and commercial claims. The level of complexity and/or value of assigned investigations and tasks typically requires investigation in the field, dealing directly and face to face with relevant parties including clients, claimants, witnesses, vendors, law enforcement, regulatory enforcement, investigative personnel, and collaboration with other insurer fraud teams to secure documentary and testimonial evidence and/or effectively collaborate. How you will create impact: - Holistically review requests for investigation from various sources and identify necessary investigative activities. - Ensure the timely and thorough investigation is completed. - Complete a Safety Risk Assessment and subsequent Action Plan to anticipate and prepare for potential risk when field work is required. - Assess the complexity and value of cases, completing field task assignments as required. - Collect, critically assess, and preserve evidence of internal and external business partners. - Attend various loss locations to document the scenes and collect relevant evidence. - Conduct investigations to ensure the authenticity of documents and evidence provided in substantiation of accurate policy coverage and/or claims. - Fully document ongoing investigative results accordingly and participate in the policy or claim coverage decision-making process as required. - Conduct investigations in accordance with all applicable provincial and federal legislation pertaining to the collection, use, and disclosure of personal and corporate information. - Assist with the development and delivery of training programs relating to fraud prevention and claims investigation. - Participate in audits and file surveys to direct investigative resources to appropriate claims areas. - Mentor, train, coach, and counsel Claims Investigators to develop their ability in making sound assessments of investigative strategies, policy and law interpretations, and policy violations. - Work with business partners to coordinate the employment of forensic experts and provide directions to experts to ensure compliance with corporate service provider guidelines. - Liaise with external representatives including Investigative Services Division of the IBC, Fire Marshalls Office, and law enforcement. - Contribute to a client service culture by embedding client engagement philosophies into daily work and implementing innovative, client-centric decision making. Qualifications - Bachelors Degree. - Completion of University degree or College diploma related to civil and criminal investigations preferred. - Chartered Insurance Professional (CIP) or other insurance-related professional designation is preferred. - Completion of or working towards CFE. - General knowledge of business operations tools (SalesForce, PolicyCentre, ClaimCentre, BillingCentre) is an asset. - 3 years of experience in Specialized Discipline experience preferred; as well as investigations. - Minimum of 5 years of insurance experience including supervisory level experience. - Experience including Claims adjusting or significant risk evaluation for moral, morale and physical hazards, geared towards fraud and loss prevention is preferred. - OR Minimum of 15 years prior employment in law enforcement, with experience in detailed criminal investigations and intelligence gathering. Requirements - Expertise in effective and appropriate methods of investigating suspected fraudulent acts and in the conduct of effective interviews. - Working knowledge of personal computers and related software applications (e.g., Lotus Notes, Excel, Word, and Internet). - Excellent interpersonal and communication skills (verbal and written), often in difficult or stressful circumstances. - Effective in managing sensitive/confidential data and information for purposes of analysis, investigation, and reporting. - Effective in applying fraud analysis and investigative concepts to all entities within range of responsibility. - Detailed understanding of insurance law and claim handling practices. Benefits - Training and development opportunities to grow your career. - Flexible work options and paid time off to support your personal and family needs. - A holistic approach to your well-being, with physical and mental health programs and a supportive workplace culture. - Paid volunteer days to give back to your community. - Comprehensive total rewards package including group retirement savings plans, pension and benefits (e.g., health and wellness, dental, disability and life coverage), mental health support, and an employee assistance program. Salary Information - Expected salary/hourly range: $72,847 - $121,411 (min-max, full range). - The salary amount for the successful candidate is determined by Co-operators in its discretion and will vary depending on several criteria including but not limited to: local market conditions, geography, and relevant job-related factors such as knowledge, skills, qualification, experience, and education. - Employees may also have the opportunity to participate in incentive programs and earn additional compensation tied to individual and/or business performance, or other business metrics.

Role Description As a Property Claims Representative III, you will be responsible for the investigation, negotiation, and resolution of complex Personal, Commercial and Farm Property Claims. You will contribute to our client service culture through daily interactions and by implementing innovative, client-centric solutions. - Investigating, interpreting coverage, negotiating and settling very large and complex property claims for Personal, Commercial and Farm Policies. - Reviewing and interpreting legal documents, including statement of claims, affidavits, and expert reports, and developing actionable strategies for case resolution. - Collaborating with legal counsel, experts and mediators to defend and facilitate third party loss settlements. - Supporting your team through coaching and mentoring conversations. - Providing exceptional client and claimant service in accordance with our claims service and quality standards, with the view of enabling the organization to be the industry leader in client engagement. Qualifications - You have five years of residential and/or commercial adjusting experience. - You have experience handling liability and total loss property claims. - You have a post-secondary degree or diploma. - You have a Chartered Insurance Professional (CIP) designation. - You have or will attain provincial adjuster license(s) for the Atlantic provinces. - You have knowledge of property policy wordings, regulations, and construction practices. Requirements - You will be required to travel regularly and cover the Nova Scotia territory. - You are required to have your own vehicle, valid driver’s license and insurance. - Extended work hours, including evenings and weekends, will be required during peak periods and major events. - This role involves direct contact with clients and/or service providers in their environment. - Potential exposure to conditions that require health and safety protection, such as chemicals, noise, dust and debris. - You will be subject to a Background check as a condition of employment, in the event you are the successful candidate. Benefits - Training and development opportunities to grow your career. - Flexible work options and paid time off to support your personal and family needs. - A holistic approach to your well-being, with physical and mental health programs and a supportive workplace culture. - Paid volunteer days to give back to your community. - In addition to our competitive salary and incentive programs, eligible employees also benefit from a comprehensive total rewards package including group retirement savings plans, pension and benefits (e.g., health and wellness, dental, disability and life coverage), mental health support and an employee assistance program. Salary Information Expected Salary range: $72,847.00 to 121,411.00 CAD. The salary amount for the successful candidate is determined by Co-operators in its discretion and will vary depending on several criteria including but not limited to: local market conditions, geography and relevant job-related factors such as knowledge, skills, qualification, experience and education. Employees may also have the opportunity to participate in incentive programs and earn additional compensation tied to individual and/or business performance, or other business metrics.

Role Description The Senior Underwriter provides mortality and financial risk assessment of individual insurance for life, critical illness, and disability product lines. The position works closely with captive advisors and brokers, assesses medical and non-medical information, providing support and issue resolution. The role also provides guidance to less experienced underwriters or other new business staff and participates in product, policy, and process improvements. How you will create impact: - Utilizing individual insurance product knowledge and procedures/guidelines to assess complex applications and policy changes with various medical and non-medical risks. - Understanding and determining reinsurance impact on mortality risk, determining the need to refer the case to a higher authority (Senior Underwriting consultants, Team Leads, Medical Director, and Manager). - Use judgement to make high-level decisions in accordance with our Company’s guidelines, procedures, and time standards in a cost-effective manner. - Compiling an electronic summary of underwriting requirements for each client for each product line on the Phoenix system, which feeds information to the Life Pages displaying requirements for Advisors. - Working with Distribution Management staff on complex cases and on training issues related to the field. - Supporting advisors in their pursuit of compensation goals, club validation, etc., by ensuring that their business is processed accurately and promptly during sales contest and cut-off periods. - Identifying needs to deviate from procedure(s) or to explore alternate means of obtaining information needed to underwrite and provide recommendation for referral to Chief Underwriter. How you will succeed: - You influence change and are committed to continuous improvement, in order to exceed client expectations. - You leverage critical thinking skills to identify problems and proactively propose solutions. - Your strong communication skills allow you to clearly convey messages. - You’re an effective team player who shares knowledge to support your peers. Qualifications - 2+ years of working experience in individual underwriting. - Post-secondary degree in nursing or kinesiology. - Completed or working towards Fellow, Academy of Life Underwriting (FALU) or Academy of Life Underwriting (FLMI) designation. - Demonstrated decision making, communication, and interpersonal skills. - Treated all confidential material with a high level of integrity. - Effectiveness and efficiency of resource management in achieving results while maintaining consistently high levels of quality, accuracy, and timeliness, as well as continuously striving to improve processes, reporting, and service levels. Requirements - Strict confidentiality with respect to client’s medical history, financial status, and other personal information. Benefits - Training and development opportunities to grow your career. - Flexible work options and paid time off to support your personal and family needs. - A holistic approach to your well-being, with physical and mental health programs and a supportive workplace culture. - Paid volunteer days to give back to your community. - A comprehensive total rewards package, including competitive salary, bonus, pension, and benefits. - Expected salary range $60,574 - $100,956. - Employees may also have the opportunity to participate in incentive programs and earn additional compensation tied to individual and/or business performance, or other business metrics.

• Acquiring comprehensive knowledge of the client’s financial situation to create goal-based investment and financial plans. • Advising clients on estate planning to meet their needs and goals, in collaboration with internal and external resources. • Providing quotes, upselling and/or cross-selling other products and conducting front-line risk assessment in accordance with underwriting guidelines. • Cultivating, developing and maintain community relationships to enhance the branch’s visibility and maximize new business opportunities. • This role involves direct contact with clients and/or service providers in their environment.