Senior Risk Analyst, Liquidity

Talcott Financial Group* is an international life insurance company committed to providing comprehensive risk solutions to its customers. Whether it’s providing peace of mind for policyholders approaching retirement, or helping insurers solve complex risk and capital challenges, Talcott delivers practical solutions that support long-term stability for policyholders and clients.
Talcott offers the strength of an established organization with the mindset and approach of a modern platform. The enterprise is supported by a proven track record of well-executed transactions, investment-grade financial strength ratings, and strong financial position, with over $136 billion in assets under management. Talcott also benefits from a strategic partnership with Sixth Street, a leading global investment firm managing over $135 billion in assets.

Talcott’s approach to business is disciplined, transparent, and multi-channel, spanning retail annuities, block and flow reinsurance, and legal entity acquisitions. We have offices in Bermuda, the Cayman Islands, Connecticut, New York, and North Carolina.

Overview:

Enterprise Risk Management (ERM) operates as an independent second line of defense, responsible for maintaining and enforcing Talcott’s risk management framework across all subsidiaries. One of our key accountabilities is to monitor key exposures across market, credit, liquidity, and insurance risks. We produce actionable, data-driven risk insights This team is composed of actuaries, CFA charter holders, and risk professionals. The Enterprise Risk Management team partners closely with other business partners in Investment Management, Finance, and Actuarial functions. Our selected candidate will be responsible for end-to-end ownership of key ERM reporting and analytics, including ensuring data integrity, methodological consistency, and alignment with the firm’s risk framework. A Senior Risk Analyst will independently interpret risk exposures, offer clear insights to senior stakeholders and provide critical insights regarding enhancements of the ERM reporting processes.

Our Senior Risk Analyst position will offer the selected candidate exposure to Senior ERM Leadership such as the Head of Risk Reporting and the Chief Risk Officer. The ideal candidate will work on a hybrid in-office schedule at either our Hartford, CT office, New York, NY office or our Charlotte, NC office.

Responsibilities:

• Produce core ERM financial risk reports, including mark-to-market exposure, issuer concentration limits, WARF metrics, and hedge effectiveness and monitor exposures relative to risk appetite limits
• Execute monthly liquidity stress testing and prepare management reports, and committee materials summarizing liquidity risk exposures, stress testing results, key assumptions, and emerging trends.

• Monitor liquidity stress testing results against established risk appetite statements, limits, thresholds, and early warning indicators; identify, investigate, and escalate breaches or emerging risks.

• Present liquidity stress testing conclusions and risk insights to senior management and risk committees.
• Support the development and maintenance of contingency funding plans, liquidity management strategies, and remediation plans for identified vulnerabilities.
• Conduct periodic reviews of stress testing assumptions, scenario severity, and model performance to ensure continued relevance to the organization's risk profile and market environment.
• Maintain comprehensive documentation, model governance artifacts, procedures, and audit trails supporting liquidity stress testing processes and results.
• Support regulatory examinations, internal audits, model validations, and other independent reviews through preparation of analyses, documentation, and management responses

Qualifications:

• Bachelor’s degree in actuarial science, finance, risk management, or a related quantitative field
• Minimum of 4 years of experience in insurance, asset management or financial analytics
• An ASA, FSA, or CFA designation is a plus
• Proficiency in Excel, VBA, and SQL are required
• Experience with Python, Power BI, or similar tools for automation and data visualization strongly preferred
• Demonstrated ability to take ownership of processes and drive improvements independently
• Experience providing project oversight or leading components of projects is a plus
• Strong communication skills, with the ability to translate complex analysis into clear, actionable insights for senior stakeholders
• Attention to detail and ability to manage multiple deliverables
• Strong analytical and problem-solving skills, with demonstrated experience working with complex datasets and reporting frameworks
• Results-oriented with a demonstrated ability to work under tight deadlines in a high-performance environment.

Compensation:

This range represents the minimum and maximum annual base salary we reasonably expect to pay for this role at the time of posting. The actual base pay could vary and may be above or below the listed range. The base pay is based on factors including but not limited to experience, competence, and demonstration of proficiencies essential for the role. The base pay is just one component of Talcott’s total annual compensation for employees. Other compensation may include annual bonuses, long-term incentives and recognition.

*This role is not eligible for visa sponsorship. Applicants must be authorized to work in the United States on a full-time basis without current or future visa sponsorship.

**Talcott Financial Group is an equal employment employer. All qualified applicants will receive consideration without regard to race, color, sex, religion, age, national origin, disability, veteran status, sexual orientation, gender identity or expression, marital status, ancestry or citizenship status, genetic information, pregnancy status or any other characteristic protected by law. Talcott Resolution maintains a drug-free workplace. For more information regarding our Privacy Policy, please go to https://talcott.com/onlineprivacypolicy/onlineprivacypolicy.html