• Responsible for development of contract surety business in KY, OH, and IN • Play a critical role in the production and underwriting of contract surety account business • Hiring, management, and training of an underwriting and administrative support staff • Organically grow a branch contract surety office meeting defined premium goals, loss and expense goals, and profit goals • Develop and manage distribution channels, including brokers, agents, and partnerships • Build and develop a high-performing team of surety professionals • Deliver exceptional service, satisfaction, and value propositions • Review and evaluate surety bond applications/submissions • Analyze financial statements, work-in-process reports, and other relevant underwriting documents • Determine appropriate single and aggregate bond amounts, terms, and conditions • Collaborate with brokers, agents, and principals to gather necessary information • Keep current on industry trends, regulations, underwriting practices, and competitors.

• Act as strategic partner to Sales and Revenue teams to enable profitable growth • Provide data-driven guidance on trade-offs between growth, pricing, coverage limits, and risk • Support key landlord partner conversations where underwriting judgment is required • Own and steward R+J’s underwriting strategy and risk appetite to ensure consistent and disciplined execution of the underwriting process across risk profiles • Manage the in-house automated underwriting decision engine to ensure proper underwriting rules, risk score logics, coverage limits and deductibles levels are implemented as designed • Partner closely with Product, Engineering, and Data teams to ensure robust data pipelines, quality, and accessibility, enabling scalable and reliable underwriting infrastructure • Collaborate with Risk & Compliance teams to ensure underwriting decisions are explainable, auditable, and aligned with regulatory and carrier requirements • Evaluate underwriting outcomes and portfolio performance to optimize rules and user experience for sustainable growth and profitability targets • Lead industry trends assessment and incorporate relevant insights into underwriting judgment, exception handling, and portfolio oversight • Communicate underwriting performance, emerging risks, and mitigation strategies with credibility and transparency to internal and external stakeholders

• Drive and mature high-risk underwriting function across acquiring and PayFac models • Establish robust underwriting practices for complex merchant profiles • Ensure alignment with card scheme expectations, regulatory requirements, and internal risk standards • Support sustainable business development • Lead and communicate due diligence outcomes • Build, mentor, and manage the high-risk underwriting team • Conduct post-onboarding and periodic reviews • Own and manage inbound requests from payment schemes and regulators

• Provides strategic insights and leadership for the underwriting organization within assigned program • Oversees the research, development, and execution of product and program strategies at the enterprise level • Establishes and communicates best practices and underwriting guidelines • Leads the innovation and enhancement of insurance products, including development of new products and evaluations of market opportunities • Conducts in-depth evaluations of intricate underwriting risks and provides comprehensive analysis and direction to underwriting staff • Maintains primary responsibility for profit and loss management within the assigned program • Collaborates across functional teams to refine existing coverage offerings