• Analyze new applicant data to support automated and manual credit decisioning • Work with data extracted from business financial statements, tax documents, and banking integrations • Leverage insights from adjacent product usage to evaluate risk profiles • Build dashboards or tools to surface real-time indicators for underwriting and fraud detection • Monitor account-level behavior post-origination, including spend and payment patterns, credit utilization, and engagement • Identify signs of weakening creditworthiness using internal data and third-party credit reports • Track and analyze delinquency trends and payment consistency to refine risk models and collections strategies • Support P&L analysis of the unsecured credit card product, including interchange income, interest revenue, rewards cost, and charge-off rates • Build models to evaluate customer lifetime value, profitability segmentation, and risk-adjusted returns • Assist in identifying drivers of loss and opportunities for margin improvement.

Role Description If you are highly experienced in Property and Casualty Loss Prevention and seeking an advanced position with promotional growth, this may be the opportunity you have been seeking! Contribution to Team results and synergy are key business objectives at C & F which has been recognized as one of the “Best Places to Work” by Business Insurance. Crum & Forster is a multi-line commercial insurance carrier based in Morristown, NJ. A Middle Markets Northeast Region Senior or Executive Risk Engineering Property & Casualty Consultant is being sought to provide: - Middle Market on-site prospective and renewal surveys - Large account services We are searching for a risk mitigation leader to partner with our underwriters, advancing and growing the successful MMS book of business. This unique leadership opportunity emphasizes: - Solid All Lines expertise - Diplomatic communication and educational skills - Excellent collaboration with the internal underwriting and claims team for the achievement of C & F profitability and loss containment goals C & F Risk Engineering develops and implements client service plans and supports client regulatory and standards compliance with focused risk improvement recommendations, making consultative skills critically important. This position presents a great opportunity to shape and market the C & F footprint and service portfolio with potential future advancement. A company car accompanies the position. Fieldwork radius ranges from daily drivable distances with one to three overnight trips (auto or flight) monthly to large accounts and prospect locations. The Risk Engineer is considered a C & F marketing advantage, so there will be some joint visits with Underwriting. The report platform in use is LC 360. Qualifications - 12 plus years of experience - College degree in a related discipline - CSP/CFPS Certification preferred - Familiarity with usage and applications of NFPA codes and OSHA standards - NLE and MFL calculations and sprinkler system hydraulic design expertise - Special hazards Property risk mitigation expertise - Casualty service consultation skills - Loss analysis skills and claim root cause identification and address Benefits - At C&F you will BELONG - Flexible work arrangements - Company vehicle supplied - Competitive compensation package - Generous 401K employer match - Employee Stock Purchase plan with employer matching - Generous Paid Time Off - Excellent benefits that go beyond health, dental & vision - Wellness programs focus on your family’s complete wellness, including your physical and mental wellbeing - A core C&F principle is that you manage your career - Tuition reimbursement, industry-related certifications, and professional training available - A dynamic, ambitious, fun, and exciting work environment - A spirit of social responsibility, matching donation program, volunteer opportunities, and an employee-driven corporate giving

Role Description We are the duck. We develop and empower our people, cultivate relationships, give back to our community, and celebrate every success along the way. We do it all… The Aflac Way. This role is designated as a remote role. You will be expected to work from your home, within the continental US. Although this role is designated as remote, there may be occasions that you are requested to come to the office based on business need. Any requests to come to the office would be communicated with you in advance. What does it take to be successful at Aflac? - Acting with Integrity - Communicating Effectively - Pursuing Self-Development - Serving Customers - Supporting Change - Supporting Organizational Goals - Working with Diverse Populations What does it take to be successful in this role? - Excellent analytical, problem solving, and research skills - Solid knowledge and understanding of risk management frameworks - Strong Microsoft Excel, PowerPoint, and Word skills - Excellent presentation, oral, written, and interpersonal communications skills to effectively interact with all levels of management; ability to maintain professionalism - Ability to collaborate with business unit customers, business partners, and all levels of leadership to deliver results - Ability to lead and work on multiple projects in a time constrained environment Qualifications - Bachelor's Degree in Risk Management, Actuarial Science, Business Management, Finance, Accounting, Economics, or a related business discipline - 6 years of professional risk management related experience with demonstrated proficiency and understanding of the principles of enterprise risk management - Or an equivalent combination of education and experience Requirements - Education & Experience Preferred - MBA - Certified Risk Manager (CRM), Associate in Risk Management (ARM), Certified Risk Management Professional (RIMS-CRMP), Financial Risk Manager (FRM), Project Management Professional (PMP) or other risk/project management or financial designation - Insurance or Financial Services Industry - Travel: Less than or equal to 10% Principal Duties & Responsibilities - Works closely with management to facilitate the organization's ERM process and serves as a business-focused, value-added partner to the business units to support 1st Line of Defense and 2nd Line of Defense activities to mature enterprise risk management programs. - Plans and leads annual and ad-hoc risk assessments across the organization, collaborating with local risk teams where appropriate. - Works, as appropriate, with ERM Program leads, business unit and function leaders, internal audit, and compliance to enhance identification, assessment, monitoring and reporting for ERM programs by gathering data and assisting in the development of risk reports. - Coordinates and leads initiatives regarding enterprise risk policies and practices; analyzes with the local risk teams (including Japan ERM, USRM, GIRM) to ensure a cohesive and complimentary structure is maintained and communication is consistent across Aflac U.S., GI and Aflac Japan ERM policies and procedures. - Provides oversight ensuring that appropriate internal controls and practices are in place within business units to ensure compliance with risk policies. - May actively participate on various Aflac risk committees or represents risk on other committees; may serve as coordinator or secretary for risk committees where needed. - Actively participates on cross-functional working groups covering multiple risks areas such as operational risk (i.e. model risk, third-party risk, compliance risk, etc.), market risk, credit risk, insurance, strategic risk or other project related risks. - May develop an annual Own Risk and Solvency Assessment (ORSA) and summary report, preparing periodic summary and comprehensive reports on the company's key risks, reviewing and updating company policies and procedures, and proactively researching and monitoring the industry for trends, risk related strategies, and potential improvement. - Leads the analysis of risk events, including the identification of the root cause that has led to their occurrence and helps to develop a remediation plan; evaluates existing risk measurement methodologies and presents results and recommendations to management. - Provides oversight ensuring that appropriate internal controls and practices are in place within business units to ensure compliance with risk policies. - Leads efforts and/or gathers risk management data, where appropriate, for risks facing the organization in order to communicate to senior management. - Assists analysts and business units with the development of risk metrics, limits, and tolerances for key risks by recommending best practices and providing education, training, etc. - Works closely with other areas of Aflac to embed a culture of risk management practices and problem-solving; recommends best practices and leads initiatives to communicate; solves complex problems; takes a broad perspective to identify solutions. - May leverage current industry best practices to understand Climate and ESG risks, and work to identify and implement continuous program improvement opportunities. - Builds effective working relationships with the key business stakeholders and risk owners; serves as a risk management advisor on key projects/initiatives and provides risk management education to the business units. - Serves as a resource for less-experienced team members using broad knowledge, experience and tools to assist in the attainment of department/organizational goals. - Performs other related duties as required. Benefits - The salary range for this job is $85,000 - $125,000. - In addition to the base salary, we offer an array of benefits to meet your needs including: - Medical, dental, and vision coverage - Prescription drug coverage - Health care flexible spending - Dependent care flexible spending - Aflac supplemental policies (Accident, Cancer, Critical Illness and Hospital Indemnity offered at no costs to employee) - 401(k) plans - Annual bonuses - Opportunity to purchase company stock - 11 paid holidays - Up to 20 days PTO to be used for any reason - State-mandated sick leave (Washington employees accrue 1-hour sick leave for every 40 hours worked) - Aflac complies with all applicable leave laws, including, but not limited to, sick and safe leave, and adoption and parental leave, in all states and localities.

Role Description If you are experienced in multi-line insurance loss prevention, especially skilled in Property risk evaluation and mitigation, and seeking an advanced position, this may be the opportunity you have been seeking! - Contribution to Team results and synergy are key business objectives at C & F. - Seeking a Middle Markets Northeast Region Senior or Executive Risk Engineering Property Consultant. - Provide Middle Market on-site prospective and renewal surveys. - Initiate Property Conservation services to existing clients. - Partner with underwriters to advance and grow the successful Property book of business. - Emphasizes solid Property expertise, diplomatic communication, and educational skills. - Excellent collaboration with the internal underwriting and claims team for profitability and loss containment goals. - Develop and implement client service plans and support client NFPA compliance. - Fieldwork radius includes daily drivable distances with one to three overnight trips monthly. - Considered a C & F marketing advantage with some joint visits with Underwriting. Qualifications - 12 plus years of experience. - College degree in a related discipline. - CSP/CFPS Certification preferred. - Familiarity with usage and applications of NFPA codes and OSHA standards. - NLE and MFL calculations and sprinkler system hydraulic design expertise. - Special hazards Property risk mitigation expertise. - Casualty service consultation skills. - Loss analysis skills and claim root cause identification and address. Benefits - At C&F you will BELONG; we value inclusivity and diversity. - Flexible work arrangements. - Competitive compensation package. - Company car provided. - Generous 401K employer match. - Employee Stock Purchase plan with employer matching. - Generous Paid Time Off. - Excellent benefits that go beyond health, dental & vision. - Wellness programs focus on your family’s complete wellness. - Tuition reimbursement, industry-related certifications, and professional training available. - A dynamic, ambitious, fun, and exciting work environment. - A spirit of social responsibility, matching donation program, volunteer opportunities, and employee-driven corporate giving.