Risk & Insurance Analyst

JOB SUMMARY

The Risk and Insurance Analyst bridges high-level risk strategy and tactical execution by leading enterprise-level claims, overseeing Risk Management Information Systems (RMIS) data platforms, managing day-to-day insurance program requests, and evaluating Total Cost of Risk (TCOR). This role supports Enterprise Risk Management (ERM) programs and serves as a backup leader for the risk management department. Responsibilities cover the grocery banners of Schnuck Markets (including DESCO), Festival Foods, and Hometown Grocers.

This role requires 4 days in office for up to 6 months to learn the role and then will be able to shift to 3 days a week in office and 2 days remote. This role is located in St Louis, Missouri.

ESSENTIAL JOB RESPONSIBILITIES

● Claims Management & Recovery: Report, track, review, and support the resolution of enterprise-wide insurance claims (Auto, Workers & Compensation, General Liability, Property, Executive/Management Liability, and Cyber) by coordinating directly with TPAs, adjusters, and internal stakeholders. Drive recovery efforts on third-party claims.

● Financial & Invoice Administration: Ensure timely payment and processing of all invoices for vendor services, state assessments, premiums, and claim settlements.

● RMIS & TCOR Data Analytics: Oversee and analyze claims data within RMIS platforms to evaluate TCOR, inform executive reporting, and support actuarial analysis.

● System Administration & Ownership: Serve as the functional product owner for the RMIS (Origami Risk) and carrier platforms, managing system troubleshooting, custom reporting, and workflow optimization. Act as the functional system administrator for risk-focused committees, including the Policies & Procedures Committee, Labeling/Claims Review Team, and Risk Evaluation Team (RET).

● Insurance Program Administration: Manage daily corporate insurance administration, certificates of insurance (COIs), evidence of property (EOP) requests, loss control services, claims, and the annual renewal cycle in partnership with leadership.

● Self-Insurance Compliance: Oversee self-insurance program operations, including state filings, renewal applications, required payments, and audit compliance.

● ERM & Business Continuity: Support the ERM framework, RET meetings and scoring sessions, risk register tracking, and Business Continuity Planning (BCP) across banners.

● Contractual Risk Transfer: Review contracts, purchase orders, vendor agreements, and COI exception requests to ensure adequate risk transfer and compliance with corporate standards.

MINIMUM REQUIREMENTS

● Education: Bachelor’s degree in Risk Management, Finance, Business Administration, Actuarial Science, or a related field.

● Experience: 2+ years of experience in corporate risk management, insurance claims handling/management, insurance brokerage, insurance underwriting, or a related field.

● Preferred Experience: Corporate risk management experience within retail or a private company setting.

● Preferred Designations: RIMS-CRMP, ARM (Associate in Risk Management), CPCU, or similar professional designations.

REQUIRED KNOWLEDGE, SKILLS, AND ABILITIES

Knowledge

● Deep understanding of risk management frameworks, claims management processes, the claims lifecycle, and TCOR concepts.

● Strong knowledge of commercial insurance policy structures, renewals, and self- insurance state compliance requirements.

● Advanced understanding of RMIS systems (e.g., Origami Risk) and data reporting standards. Experience with work management software (e.g., Asana) is preferred.

● Knowledge of risk transfer principles, contract review, and vendor COI requirements.

● Understanding of Business Continuity Planning (BCP) and Incident Management.

Skills & Abilities

● Excellent written and verbal communication skills with experience presenting to leadership and external partners.

● Strong technical acumen, with experience leveraging AI and advanced tools to drive workflow efficiency.

● Proven capability to manage competing priorities, track tight deadlines, and solve complex operational problems.

● High level of discretion in assembling and maintaining confidential claim and enterprise data.

● Strong interpersonal skills to collaborate across multi-banner teams, including Legal, Finance, Asset Protection, Food Safety, IT, and external vendors.

FORMAL POLICY SETTING

Policies and procedures associated with the department or division are set by others.

PHYSICAL REQUIREMENTS AND WORK ENVIRONMENT

● Walking: Moderate; requires sitting for extended periods as well as walking on flat, uneven, or unstable ground during site evaluations.

● Standing: Moderate; periods of standing during onsite claim investigations, carrier loss control visits, and facility inspections.

● Lifting: Up to 25 lbs.

● Travel: 0–25%; must be available to travel on short notice for critical claim

investigations, post-incident evaluations, or emergency response. Must be able to travel by automobile or airplane when necessary.

● Work Environment: Standard office environment with some exposure in field

operations. Field tasks may include attending loss control visits, inspecting insurance claim locations, walking stores, climbing ladders, and navigating dark, wet, or enclosed spaces. Requires flexibility to handle a fast-paced environment and prioritize multitasking effectively.

The above statements describe the job’s essential responsibilities and requirements. They are not an exhaustive list of the duties that may be assigned to job incumbents.