The Mutual Group - TMG

Contribute to underwriting by analyzing risks, managing compliance, and supporting business development through effective communication and relationship-building with agents and wholesalers while identifying opportunities for process improvement.

Title: Director, Reinsurance Operations Locations: Iowa - TMG Home Office Kansas Wisconsin Illinois Nebraska Iowa Missouri Minnesota time type Full time In Office, Hybrid, or Remote job requisition id R-100177 Job Description: Department: Finance Job Description: The Director, Reinsurance Operations provides enterprise leadership for the execution, coordination, and governance of The Mutual Group’s (TMG) member-owned reinsurance programs. TMG’s member institutions are the purchasers of reinsurance and retain ownership of reinsurance strategy and placement decisions. This role ensures those strategies are executed with operational discipline, financial integrity, and strong controls across treaty and facultative reinsurance. This role is accountable for the end-to-end operational administration of the member-owned reinsurance programs, ensuring accurate data, timely execution, compliant contract structures, and disciplined reinsurance accounting and recoveries. Operating within a growth-oriented, platform-based organization, this position designs and maintains scalable and well-controlled operational processes that support integration, transparency and long-term enterprise value creation. The position partners closely with Finance, Actuarial, Legal, Underwriting, Claims, member appointed brokers, reinsurers, and TMG’s member institutions to support member-directed reinsurance renewals, regulatory compliance, and management reporting. The position supports member-defined reinsurance strategies by providing operational insight, analytics, and execution readiness, ensuring strategies can be implemented, monitored, and governed effectively. Work Arrangement: - Employees who live within 30 miles of the TMG home office are expected to follow a hybrid or in-office schedule. The initial training period may require additional in‑office days. Accountabilities: Reinsurance Operations & Execution - Provide enterprise ownership of operational administration for all treaty and facultative reinsurance programs. - Lead operational execution of annual reinsurance renewals in accordance with member-defined strategy, appetite, and placement decisions. - Oversee reinsurance data submissions ensuring accuracy, consistency, and timeliness. - Manage operational execution of facultative placements and post-bind administration. Reinsurance Accounting, Reporting & Financial Controls - Ensure integrity and timeliness of reinsurance accounting, including ceded premiums, loss recoveries, invoicing and cash application. - Maintain and continuously enhance internal controls related to reinsurance operations and financial reporting. - Ensure timely and complete submission of all ceded losses to reinsurers in accordance with treaty and facultative terms, establishing controls and monitoring mechanisms to maximize recoverability and minimize leakage. - Monitor reinsurance receivables and collateral; escalate credit or collection risks. - Oversee reinsurance collateral management, including estimating collateral requirements, coordinating collateral postings with assuming reinsurers, and monitoring compliance with contractual and regulatory standards. - Ensure collateral levels appropriately mitigate credit risk and statutory exposure, including support of Schedule F provisions. - Ensure accurate tracking, reporting, and documentation of collateral balances. - Support planning, forecasting, and reinsurer-level performance analysis. - Oversee reinsurance statutory and management reporting including Schedule F and Schedule P. Governance, Compliance & Audit - Maintain complete and auditable reinsurance documentation. - Review and evaluate contract terms in partnership with Legal and member institutions leadership teams. - Coordinate reinsurer audits, collateral reviews, and diligence activities. - Monitor reinsurer credit exposure and collateral sufficiency, escalating risks and recommending mitigation strategies as needed. - Identify operational and financial risks within reinsurance programs and recommend mitigation strategies. - Ensure regulatory, statutory, and contractual compliance. Reporting, Analytics & Stakeholder Management - Provide regular, actionable reporting on key reinsurance metrics, including aggregations, collateral positions, receivable status, and recovery performance. - Monitor and analyze performance of reinsurance programs, identifying operational risks and improvement opportunities. - Serve as a key operational partner to internal stakeholders, ensuring transparency, alignment, and timely communication. Leadership, Scale & Continuous Improvement - Drive continuous improvement of reinsurance processes, including automation, standardization and documentation. - Design scalable reinsurance operational frameworks to support growth, acquisitions, and evolving business complexity. - Support governance, reporting discipline, and investor transparency. - Contribute to operational efficiency and enterprise value creation. Qualifications: Education & Experience - Bachelor’s degree in Finance, Accounting, Risk Management, or related field (or equivalent experience). - Minimum 5–8+ years of progressive reinsurance experience. - Experience in a complex, growth-oriented, multi-stakeholder environment preferred. - Demonstrated ability to build or enhance processes, controls, and reporting as organizations scale. - Advanced Excel skills and strong analytical capabilities. Leadership Attributes - Exceptional communication skills with the ability to articulate complex financial matters to executive leaders, regulators, and auditors. - Highly analytical, detail-oriented, and solution-focused. - Strong change leadership and process improvement mindset. - Ability to manage competing priorities in a dynamic and regulated environment. Technical & Professional Skills - Excellent working knowledge of property and casualty reinsurance structures and accounting. - Strong understanding of reinsurance accounting principles and financial reporting. - Advanced Excel skills and strong analytical capabilities. - Demonstrated ability to lead high-performing teams and manage complex financial processes. - Strong understanding of insurance operations and internal controls. - Proficiency with financial systems, general ledger platforms, and reporting tools. Pay Range: Anticipated Pay Range: - $150,000 - $200,000 annual base salary depending on experience, qualifications, and geographic location Benefits: We are proud to offer our full-time regular employees a robust benefits suite that includes: - Competitive base salary plus incentive plans for eligible team members - 401(K) retirement plan that includes a company match of up to 6% of your eligible salary - Free basic life and AD&D, long-term disability and short-term disability insurance - Medical, dental and vision plans to meet your unique healthcare needs - Wellness incentives - Generous time off program that includes personal, holiday and volunteer paid time off - Flexible work schedules and hybrid/remote options for eligible positions - Educational assistance Equal Opportunity Employer The Mutual Group is an Equal Opportunity Employer. It is our policy to recruit, hire, train and promote individuals in all job classifications without regard to race, color, religion, sex, national origin, age, veteran status, disability, sexual orientation, gender identity or any other characteristic protected by law. - Know Your Rights: Workplace Discrimination is Illegal - Your Rights Under USERRA Employment Verification The Mutual Group participates in the E-Verify program and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. All offers of employment are contingent upon the successful completion of a background check. #TMG

Title: Sr. Commercial Casualty Adjuster Location: Remote time type Full time job requisition id R-100100 Department: Claims Job Description: As a Sr. Casualty Adjuster, you will serve as a real partner to our members by processing claims accurately and efficiently so they can resume their life's work without unnecessary delay. If you are optimistic, enjoy helping others in times of need, and are compassionate about making positive change in the world, this may be the role for you. Work Arrangement: - Employees who live within 30 miles of the TMG home office are expected to follow a hybrid or in-office schedule. The initial training period may require additional in‑office days. Accountabilities: - Reviews policies, interviews involved parties, gathers and analyzes documentation, and evaluates both injury and property damage exposures. - Handles non‑represented, represented, and litigated claims, ensuring fair, cost‑effective settlements aligned with policy language and regulatory requirements. - Provides accurate assessments and negotiates fair and efficient claims resolutions while managing costs. - Settles losses according to the documented damage, the language of the policy of insurance, pertinent regulatory and statutory considerations and within granted authority. - Prepares formal written communication, including but not limited to settlement letters, coverage disclaimers, and reservation of rights letters - while maintaining thorough claim file documentation. - Identifies and pursues recovery opportunities and may include directing external resources like independent adjusters or technical experts. Prepares submissions to SIU when indicated. - Assigns and supervises field examiners and vendor resources, including but not limited to independent adjusters, engineers and other experts as needed - Assumes additional duties as defined. Qualifications: - 6 or more years in the handling of Commercial Liability Claims. - Understands concepts of coverage, policy interpretation, exposure recognition and liability determination to analyze and move claims towards resolution using best practices. - Ability to take responsibility and work independently in a home-based environment. - Ability to negotiate skillfully in difficult situations. - Willingness to travel periodically. - Environmental claim experience is preferred. - Propane Gas Distributors claim experience is preferred - Bachelor's degree preferred - New York, Florida or Texas claims handling license required - Ability to formulate sound expense, indemnity, and business judgment while supporting loss evaluations and presenting them effectively. - Basic computer skills including Microsoft applications - Perform work related simple and advanced mathematical problems and calculations - Compose written correspondence and factual reports which are well organized and concise, utilizing proper English, grammar, punctuation, and spelling - Strong oral and written communication skills. ​ Pay Range: Anticipated Hiring Range: - $72,300 - $100,000 annual base salary depending on experience, qualifications, and geographic location Benefits: We are proud to offer our full-time regular employees a robust benefits suite that includes: - Competitive base salary plus incentive plans for eligible team members - 401(K) retirement plan that includes a company match of up to 6% of your eligible salary - Free basic life and AD&D, long-term disability and short-term disability insurance - Medical, dental and vision plans to meet your unique healthcare needs - Wellness incentives - Generous time off program that includes personal, holiday and volunteer paid time off - Flexible work schedules and hybrid/remote options for eligible positions - Educational assistance Equal Opportunity Employer The Mutual Group is an Equal Opportunity Employer. It is our policy to recruit, hire, train and promote individuals in all job classifications without regard to race, color, religion, sex, national origin, age, veteran status, disability, sexual orientation, gender identity or any other characteristic protected by law. - Know Your Rights: Workplace Discrimination is Illegal - Your Rights Under USERRA Applicants requiring a reasonable accommodation due to a disability at any stage of the employment application process should contact Employment Verification The Mutual Group participates in the E-Verify program and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. You are protected from employment discrimination based on your citizenship status and national origin. E-Verify Program Overview E-Verify Participation Poster All offers of employment are contingent upon the successful completion of a background check. #TMG

Title: Nonprofit Human Services Underwriter Location: Washington Job Description: Full time job requisition id R-100178 Department: Field Underwriting Job Description: As a Nonprofit Human Services Underwriter, you will be responsible for analyzing, appraising and assessing exposures and acceptable risks for our Nonprofit Human Service Organizations, Education Institutions and Religious Organizations to determine coverages and premium that are both adequate and competitive. Accounts vary in size, but may include accounts up to $250,000 in written premium. Work Arrangement: - Employees who live within 30 miles of the TMG home office are expected to follow a hybrid or in-office schedule. The initial training period may require additional in‑office days. Responsibilities: - Delivers profitable outcomes on less complex niche business through effective risk selection by: - Analyzing, selecting and profitably pricing business with prescriptive terms and conditions of coverage. - Examining inspection reports, location, risk, financial and other available tools and reports to identify new or unresolved concerns. - Communicating with Risk Control for inspections, follow ups and service needs for insureds. - Driving corrective action or remediation strategies on renewal accounts. - Escalating referrals, in a timely manner, on accounts that need additional review or approval by higher level underwriters. - Adhering to service expectations and regulatory compliance by the timely release of renewals, non-renewals and conditional notices. - Accountable for achieving key performance indicators of the portfolio including: - Developing and furthering successful relationships with distribution partners/agencies within the portfolio by: - Having regularly scheduled portfolio review calls. - Limited travel to distribution partner/agencies offices. - Consistently meeting our customer service standards. - Coordinating with distribution team to building pipeline, resolve issues, concerns or conflict and oversee change management. - Communicating regularly with portfolio team members on health of assigned agencies and market conditions that could impact the portfolio. - Cultivate a High Performing Culture - Superior customer service and business acumen. - Mentoring support staff throughout their career development. - Assist in the training of new hires and internal promotions by providing continuous mentoring and feedback to foster successful employee development. - Reviewing, mentoring, and approving referrals for lower authority level associates. - Perform other related work as assigned. Qualifications: - 1+ years commercial underwriting experience is required. - Prior experience in underwriting nonprofit human services and/or accounts preferred. - Working to obtain or has already CPCU or other industry equivalent preferred. - Excellent communication skills both in writing and verbal. - Ability to analyze and make decision in a timely manner. - Position requires employee to constantly operate a computer and other office equipment. Pay Range: Anticipated Hiring Range: - $67,500 - $100,000 annual base salary depending on experience, qualifications, and geographic location - $77,450- $110,000 annual base salary depending on experience, qualifications, and geographic location in CA, CT, MA, NJ, NY, and PA Benefits: We are proud to offer our full-time regular employees a robust benefits suite that includes: - Competitive base salary plus incentive plans for eligible team members - 401(K) retirement plan that includes a company match of up to 6% of your eligible salary - Free basic life and AD&D, long-term disability and short-term disability insurance - Medical, dental and vision plans to meet your unique healthcare needs - Wellness incentives - Generous time off program that includes personal, holiday and volunteer paid time off - Flexible work schedules and hybrid/remote options for eligible positions - Educational assistance Equal Opportunity Employer The Mutual Group is an Equal Opportunity Employer. It is our policy to recruit, hire, train and promote individuals in all job classifications without regard to race, color, religion, sex, national origin, age, veteran status, disability, sexual orientation, gender identity or any other characteristic protected by law. - Know Your Rights: Workplace Discrimination is Illegal - Your Rights Under USERRA Employment Verification The Mutual Group participates in the E-Verify program and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. You are protected from employment discrimination based on your citizenship status and national origin. E-Verify Program Overview E-Verify Participation Poster All offers of employment are contingent upon the successful completion of a background check. #TMG

Senior Actuarial Analyst remote type In Office, Hybrid, or Remote locations Iowa - TMG Home Office Remote US time type Full time   Department: Actuarial Job Description: The Senior Actuarial Analyst role is responsible for transforming data into actionable insights that drive successful pricing strategy and profitable underwriting performance.  This position partners closely with underwriting and actuarial leadership to evaluate risk, assess profitability, and develop pricing strategies that support sustainable and profitable growth. This strategic analytical role identifies trends, solves complex business problems, and enhances the understanding of portfolio performance and key risk drivers.  This role requires strong technical skills, analytical problem solving, and the ability to translate quantitative analysis into concise actionable business insights. Work Arrangement: - Employees who live within 30 miles of the TMG home office are expected to follow a hybrid or in-office schedule. The initial training period may require additional in‑office days. Accountabilities: Profitability Analysis: Evaluate loss ratios, rate adequacy, and underwriting performance to identify opportunities for portfolio improvement. - Analyze profitability and rate adequacy at the segment, coverage and portfolio levels. - Develop underlying actuarial assumptions including loss trend, loss development patterns and large loss loads. - Collaborate with underwriting leadership to develop and monitor execution of underwriting strategies. - Continuously evaluate pricing adequacy and recommend adjustments based on emerging trends, market conditions and portfolio performance. - Present actuarial insights to underwriting leadership and other key stakeholders, translating technical analysis into actionable business decisions. - Support management reporting on portfolio performance, profitability and key risk drivers.   Pricing Analysis: Partner with underwriting to provide actuarial insights that support sound underwriting decisions. - Perform actuarial pricing analyses to support account level new business and renewal decisions. - Assist in the development, maintenance, and enhancement of pricing models and rating tools. - Partner with underwriting to determine appropriate pricing guidance for large accounts, group business and programs. - Communicate pricing assumptions, methodologies, and recommendations to key underwriting stakeholders.   Leadership: Serve as a technical leader within the actuarial team, providing guidance on appropriate methodologies and analytical best practices. - Serve as a technical leader within the actuarial team, providing guidance on methodologies and analytical best practices. - Mentor and support junior actuarial analysts, reviewing work products, providing feedback, and assisting with technical development of team members. - Lead or support cross-functional initiatives with underwriting, finance, and data teams to improve pricing processes and analytical capabilities.   Qualifications: - At least 5 years of actuarial experience in property & casualty insurance - FCAS preferred, ACAS considered with clear progress towards attaining fellowship - Experience collaborating with underwriting, performing pricing analysis, and communicating actuarial concepts to non-actuarial stakeholders - Strong analytical thinking and quantitative skills - Experience working with large datasets, data warehouses, or modern analytical data platforms - Experience programming in SQL, Python, R, or similar analytical languages preferred - Strong communication and collaboration skills   Pay Range: Anticipated Hiring Range: - $120,000 - $175,000 annual base salary depending on experience, qualifications, and geographic location    Benefits: We are proud to offer our full-time regular employees a robust benefits suite that includes: - Competitive base salary plus incentive plans for eligible team members - 401(K) retirement plan that includes a company match of up to 6% of your eligible salary - Free basic life and AD&D, long-term disability and short-term disability insurance - Medical, dental and vision plans to meet your unique healthcare needs - Wellness incentives - Generous time off program that includes personal, holiday and volunteer paid time off - Flexible work schedules and hybrid/remote options for eligible positions - Educational assistance

Department: Field Underwriting Job Description: As the Senior Risk Control Consultant, you will play a key role in supporting The Mutual Group (TMG), GuideOne Insurance, and future members by providing comprehensive risk assessment and safety consulting services to large non‑profit, health and human services organizations, educational institutions, and religious facilities with the goal of reducing losses and improving overall risk quality. This role supports underwriting and client service objectives by conducting on‑site evaluations, identifying hazards, recommending controls, and partnering with clients to strengthen risk management practices. The consultant serves as a technical resource to both internal teams and insureds, delivering detailed analysis of exposures, partners with insureds to implement strong risk management practices tailored to their operations and assisting organizations reduce loss potential while supporting their mission-driven operations. Work Arrangement: This role is home‑ or field position based in the Indianapolis, Cinncinati, Louisville, St. Louis areas and requires regular travel for on‑site surveys, combining in‑person facility inspections with remote consultations and virtual meetings, and it also requires the physical ability to access and evaluate buildings, mechanical rooms, and large facilities as needed. Accountabilities: Risk Assessment & Surveys - Conduct on-site loss control surveys for non-profit, education, and religious accounts, evaluating property, liability, and operational exposures. - Assess conditions such as life-safety systems, facility maintenance, security practices, playground safety, transportation risks, and special events. - Identify potential hazards and develop practical, mission-appropriate risk control recommendations. - Prepare clear, detailed reports summarizing findings, risk quality, and underwriting considerations. - Service large accounts by developing ongoing service plans and conducting regular claim‑trend analysis to identify areas for improvement and support comprehensive risk management strategies Client Consultation & Support Support organizations in developing or improving policies related to: - Abuse prevention and child protection - Volunteer management - Emergency preparedness and crisis response - Fleet and driver safety - Facilities and maintenance protocols - Collaborate with clients to help them implement corrective actions and track progress. Internal Collaboration - Work closely with underwriting teams to support account selection, renewal decisions, and risk improvement strategies. - Communicate survey outcomes, risk insights, and emerging trends to internal stakeholders. Training & Education Develop and deliver training for staff, volunteers, and leadership of insured organizations on topics such as: - General safety awareness - Fire prevention and life safety - Abuse prevention and boundary training - Risk management for schools, camps, and religious facilities - Conduct webinars, onsite workshops, and/or virtual training sessions as needed. Program & Resource Development Contribute to the creation and maintenance of risk management guides, safety checklists, toolkits, and policy templates tailored to the nonprofit, education, and religious sectors. Stay current on regulatory changes, industry best practices, and emerging risks affecting mission-based organizations. Qualifications: - Bachelor’s degree in risk management, safety, engineering, insurance, or a related field preferred; equivalent experience considered. - 5+ years of experience in loss control, safety consulting, insurance risk assessment, or facility operations. - Strong understanding of safety practices, risk assessment techniques, and regulatory requirements. - Excellent communication, report writing, and interpersonal skills. - Ability to work independently, manage travel, and maintain strong client relationships. - Valid driver’s license required. - Experience working with non-profits, schools, camps, churches, or religious organizations. - Designations such as ARM, CSP, ASP, CRM, or CFPS preferred. - Knowledge of life-safety codes, OSHA requirements, playground standards, and abuse prevention practices. - Strong analytical and problem‑solving skills - Professional judgment and decision‑making - Ability to communicate technical information in practical, accessible terms - Customer-service mindset with sensitivity to mission-driven environments - Project and time management - Ability to build trust and influence change Pay Range: Anticipated Hiring Range: - $85,000 - $105,000 annual base salary depending on experience, qualifications, and geographic location - $98,000 - $120,000 annual base salary depending on experience, qualifications, and geographic location in CA, CT, MA, NJ, NY, and PA Benefits: We are proud to offer our full-time regular employees a robust benefits suite that includes: - Competitive base salary plus incentive plans for eligible team members - 401(K) retirement plan that includes a company match of up to 6% of your eligible salary - Free basic life and AD&D, long-term disability and short-term disability insurance - Medical, dental and vision plans to meet your unique healthcare needs - Wellness incentives - Generous time off program that includes personal, holiday and volunteer paid time off - Flexible work schedules and hybrid/remote options for eligible positions - Educational assistance Equal Opportunity Employer The Mutual Group is an Equal Opportunity Employer. It is our policy to recruit, hire, train and promote individuals in all job classifications without regard to race, color, religion, sex, national origin, age, veteran status, disability, sexual orientation, gender identity or any other characteristic protected by law. - Know Your Rights: Workplace Discrimination is Illegal - Your Rights Under USERRA Applicants requiring a reasonable accommodation due to a disability at any stage of the employment application process should contact Talent@themutualgroup.com. Employment Verification The Mutual Group participates in the E-Verify program and will provide the federal government with your Form I-9 information to confirm that you are authorized to work in the U.S. You are protected from employment discrimination based on your citizenship status and national origin. E-Verify Program Overview E-Verify Participation Poster All offers of employment are contingent upon the successful completion of a background check. #TMG

• Conduct on-site loss control surveys for non-profit, education, and religious accounts, evaluating property, liability, and operational exposures. • Assess conditions such as life-safety systems, facility maintenance, security practices, playground safety, transportation risks, and special events. • Identify potential hazards and develop practical, mission-appropriate risk control recommendations. • Prepare clear, detailed reports summarizing findings, risk quality, and underwriting considerations. • Service large accounts by developing ongoing service plans and conducting regular claim‑trend analysis to identify areas for improvement and support comprehensive risk management strategies. • Support organizations in developing or improving policies related to abuse prevention and child protection, volunteer management, emergency preparedness and crisis response, fleet and driver safety, facilities and maintenance protocols. • Collaborate with clients to help them implement corrective actions and track progress. • Work closely with underwriting teams to support account selection, renewal decisions, and risk improvement strategies. • Communicate survey outcomes, risk insights, and emerging trends to internal stakeholders. • Develop and deliver training for staff, volunteers, and leadership of insured organizations on various safety and risk management topics.