Located in Ontario and Nova Scotia, Heartland Mutual Insurance strives to be the Best Mutual. Our team of talented and dedicated professionals challenge the norm and strives to be extraordinary. It’s all about fulfilling our promise with a personal approach. With our team, you’ll bring this purpose to life every day by living our values, being open to change, and pursuing your career aspirations.

Heartland Mutual Insurance has an excellent opportunity in our Business Development & Marketing Department for a Marketing & Communications Analyst.

Marketing & Communications Analyst – Waterloo, Ontario

What we offer…

In return, we’ll give you countless opportunities to learn and grow. You’ll be empowered to be your best self, do your best work, and make a meaningful impact. Here, you can help shape the future of insurance, win as a team, and grow with us.

At Heartland our benefits are great and include not only health and dental coverage, but also a generous pension plan. All staff members share in our company’s success through our incentive plan. And with our hybrid work model, you get the best of both worlds – the ability to collaborate and connect with great colleagues and enjoy the benefits of working from home.

Intrigued? We can’t wait to hear from you!

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If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodations are available on request for candidates taking part in all aspects of the selection process.

A Place Where YOU Can Make a Difference! Proudly Canadian. Mutually Owned.

Located in Ontario and Nova Scotia, Heartland Mutual Insurance strives to be the Best Mutual. Our team of
talented and dedicated professionals challenge the norm and strive to be extraordinary. It’s all about fulfilling our promise with a personal approach. With our team, you’ll bring this purpose to life every day by living our values, being open to change, and pursuing your career aspirations.

Heartland Mutual Insurance has an excellent opportunity in our Loss Prevention Department for a Risk Assessment Specialist.

Risk Assessment Specialist – Waterloo, Ontario

What we offer…

In return, we’ll give you countless opportunities to learn and grow. You’ll be empowered to be your best self, do your best work, and make a meaningful impact. Here, you can help shape the future of insurance, win as a team, and grow with us.

At Heartland our benefits are great and include not only health and dental coverage, but also a generous pension plan. All staff members share in our company’s success through our incentive plan.

Intrigued? We can’t wait to hear from you!

---

If you have the qualifications we are seeking and would thrive in a work environment where you are valued and respected, please apply on the company website. Accommodations are available on request for candidates taking part in all aspects of the selection process.

A Place Where YOU Can Make a Difference! Proudly Canadian. Mutually Owned.

What you will do…

• Act as the lead person on all special projects and initiatives as may be required.
• Assist in the development and delivery of technical and non-technical Underwriting training to
  internal staff and external brokers and business partners.
• Lead training initiatives both in group and in one-on-one settings as well as developing training
  materials.
• Has specialized knowledge of own products and pricing to interpret and provide guidance to others
  (co-workers and distributors).
• Uses full knowledge of policy wordings to train junior staff with risk analysis, recommendation of
  missing coverage, and generation of additional product line sales.
• Provides training to new hires and junior staff to ensure compliance and minimize company
  exposure.
• Fully understands the common terms, conditions and exclusions of policy coverage’s and can
  recognize gaps in coverage, or exposure to loss.
• Understands the political, legal and social influences on underwriting own product line, and ensures
  compliance with established principles.
• Aware of acceptance rules for other related lines of business.
• Refers to other product line underwriters accordingly.
• Can explain factors affecting loss ratios, severity and frequency.
• Analyzing all relevant data using appropriate software to determine whether the level of risk is
  acceptable.

What you will do…

• Underwrite and negotiate medium complexity new business, renewals, and policy endorsements.
• Prepare terms and conditions of insurance quotations and policies.
• Work within defined limits of authority to provide high quality underwriting decisions.
• Identify trends in submissions and communicating findings to leadership.
• Negotiate terms and conditions of risk acceptance with brokers.
• Order inspections or other underwriting information for analysing critical risk hazards.
• Implement market strategies and assist in development of products, pricing, and services.
• Provide expertise and guidance to coworkers and distributors, aid in account underwriting, and assist junior staff.
• Prepare analysis and recommendations, recognising exposure or gaps in coverage.
• Ensure compliance of product line with established principles.
• Work with other product line underwriters on an overall account approach.

• Farm Underwriting portfolio management – assessing and evaluating risks, and providing high quality Underwriting decisions.
• Underwrite and negotiate high risk and high complexity renewals, policy endorsements and new business.
• Working within Heartland’s Underwriting standards, negotiating terms and conditions of risk acceptance with brokers.
• Use front-line knowledge of the Farm marketplace to help develop, or make changes to, products, pricing, and services in support of Heartland’s strategy.
• Provide Underwriting support and exemplary customer service through developing and maintaining relationships with key stakeholders.
• Ensure corporate governance and regulatory compliance with policies and procedures.
• Ensure day-to-day Underwriting practices conform to legal, regulatory, compliancy, and privacy obligations.
• Provide guidance and training to junior Underwriting staff to ensure cohesion and compliance throughout the Farm Underwriting team.

• Develop, communicate, and implement a strategic vision for Corporate Claims, aligning with organizational goals and objectives.
• Define and enforce standardized claims handling procedures, policies, performance benchmarks, and best practices across all lines of business.
• Provide strategic oversight and direction to the Manager, Vendor Partnerships, ensuring vendor strategies are aligned with corporate objectives.
• Monitor and evaluate vendor performance, ensuring continuous improvement and optimal outcomes in leakage control, cost management, and CAT readiness.
• Collaborate on complex vendor negotiations and agreements to secure favorable terms.
• Establish and oversee comprehensive corporate claims reporting systems to deliver insights and analytics to leadership and stakeholders.
• Continuously evaluate claims performance and initiating strategic improvements.
• Ensure detailed, transparent reporting to stakeholders.
• Provide strategic claims insights and support to other internal teams, aligning Claims initiatives with broader corporate risk management and profitability objectives.
• Coach, mentor, and develop direct reports and Claims leaders.
• Collaboratively identify training opportunities for Claims staff.
• Cultivate a high-performance culture characterized by accountability, collaboration, innovation, and continuous learning.
• Effectively lead and oversee high-impact corporate Claims projects.
• Proactively identify, mitigate, and manage risks and barriers to successful project execution.

• Conduct regular and systematic audits of claim files across all lines of business.
• Ensure alignment with regulatory requirements, internal policies, and industry best practices in all audit activities.
• Document audit findings, maintaining accurate records and detailed reports.
• Develop and manage comprehensive QA reporting systems, providing detailed insights into claims handling performance trends, strengths, and opportunities for improvement.
• Collaborate with the Manager, Corporate Claims to build analytical tools and standardized reporting protocols.
• Deliver performance reports to Claims leadership, highlighting key metrics, trends, and recommendations.
• Collaborate with internal stakeholders to identify training needs and develop training modules and coaching strategies for claims adjusters.
• Provide recommendations for claims handling training and development initiatives.
• Recommend process improvements, policy updates, and enhancements to claims handling practices.
• Collaboratively align quality assurance initiatives with corporate strategic objectives.
• Assist in the design and execution of strategic claims projects.
• Clearly communicate audit results, performance analysis, and improvement recommendations to internal stakeholders.
• Support external stakeholder satisfaction by ensuring consistent quality standards in claims handling.

• Independently investigate complex and high-risk claims with suspected fraudulent activity.
• Manage an investigative claims caseload, actively making coverage determinations, adjusting reserves, and directly handling claims when appropriate.
• Prepare comprehensive reports summarizing investigative findings, evidence gathered, and recommendations for claims disposition.
• Partner closely with UW to evaluate issues, assessing impacts on coverage and policy terms.
• Provide expert recommendations to UW for effective risk assessment and decision-making.
• Lead proactive fraud detection initiatives, identifying emerging trends and high-risk indicators.
• Collaborate closely with Claims team to provide training and guidance on fraud recognition and early intervention strategies.
• Develop and maintain strong relationships with external law enforcement agencies, industry fraud bureaus, and investigative networks to enhance fraud detection capabilities.
• Maintain meticulous documentation and audit trails for all investigative activities.
• Engage actively with internal stakeholders to provide investigative expertise and insights.
• Contribute to training programs focused on fraud awareness, investigative techniques, and claims handling best practices.
• Collaborate with the Manager, Corporate Claims, to establish robust reporting systems capturing investigative outcomes, fraud trends, and financial impacts.

• Develop and maintain comprehensive process documentation for APD and AB vendors.
• Evaluate vendor performance through audits, performance reviews, and feedback sessions.
• Manage AB vendor relationships to ensure effective claims management.
• Oversee Independent Auto Appraisers, ensuring their alignment with corporate standards.
• Act as the key contact for escalated vendor-related issues, addressing concerns efficiently.
• Analyze escalations, implement corrective actions, and communicate outcomes to internal stakeholders and vendor partners.
• Review claims handling procedures involving vendors, recommending process enhancements to drive efficiency and cost-effectiveness.
• Develop and provide detailed reports on vendor performance, cost metrics, and industry benchmarks to guide strategic decision-making.
• Actively monitor and evaluate industry trends related to auto repair methodologies, parts and labor costs, rehabilitation services, and accident benefits claims management.
• Support and ensure vendor readiness for catastrophic events.
• Collaborate with internal stakeholders to inform training and audit practices based on vendor performance insights.
• Engage with Claims team and leadership and other internal stakeholders to ensure vendor strategies are aligned with overall organizational objectives.