SVP, CRO Americas L&H

The Chief Risk Officer (CRO) for Life & Health (L&H) Americas is a senior leader responsible for the strategic oversight and execution of the risk management framework across the Americas L&H business. This role ensures that risks are effectively identified, assessed, monitored, and managed in alignment with Group and local risk appetites and regulatory expectations. The CRO is a trusted advisor to senior leadership, a key contributor to business strategy, and a visible leader within the global risk community.
 

Strategic Risk Leadership
• Lead the design, implementation, and continuous enhancement of the risk management system, including risk appetite frameworks, governance policies, and risk reporting protocols.
• Provide proactive and credible challenge to business initiatives and transactions, with a particular focus on risk identification and mitigation.
• Represent L&H Americas Risk at senior leadership forums, ensuring risk considerations are fully integrated into business planning and execution.

Executive Stakeholder Engagement
• Build and maintain strong, influential relationships with senior stakeholders across the L&H business, Group Risk, and other corporate functions.
• Act as a trusted advisor and thought leader on complex risk matters, serving as a strategic partner, promoting best practices and independently identifying risk considerations in complex technical issues
• Actively contribute to Group-wide risk initiatives and ensure alignment with global risk standards and expectations.

Risk Oversight & Governance
• Oversee the identification, measurement, monitoring, and management of all material risks, including strategic, underwriting, reserving, ALM, investment, liquidity, operational, and emerging risks.
• Ensure the effectiveness of risk mitigation strategies, including reinsurance and capital management tools.
• Lead the design and delivery of ORSAs and Recovery Plans, ensuring regulatory compliance and strategic relevance
• Support the activities of SCOR’s Group Risk Management function, providing timely and effective input for L&H and Group Risk Dashboards, and L&H papers for key Group Committees

Model Risk & Capital Adequacy
• Ensure the Internal Model accurately reflects the risk profile of the business and supports both regulatory capital requirements and strategic decision-making.
• Oversee the development and implementation of Key Risk Indicators (KRIs) and stress testing frameworks to monitor risk exposures and inform management actions.

Regulatory & Internal Control Compliance
• Ensure full compliance with local and Group regulatory requirements, including ORSA and MAR (Delaware)
• Collaborate with process owners to ensure comprehensive, efficient, and effective control documentation and testing

Committee Leadership & Escalation
• Chair or facilitate the SGL US and SGL Canada Risk Committees, ensuring effective governance and timely escalation of material risk issues to Group Risk and executive leadership.

Project & Change Management
• Lead or sponsor complex, cross-functional risk-related projects and change initiatives, ensuring alignment with strategic objectives, timely delivery, and effective stakeholder engagement.
• Apply structured project management methodologies to drive execution, monitor progress, manage risks, and ensure sustainable outcomes.

Team Leadership & Talent Development
• Lead, develop, and inspire a high-performing risk team across the Americas, fostering a culture of accountability, collaboration, and continuous improvement.
• Ensure robust succession planning and capability development to support long-term organizational resilience

Education:
• Degree in Actuarial Science, Mathematics, Risk Management, Finance, or Economics
• Qualified actuary (e.g. FSA designation)

Professional Experience:
• Minimum 15 years of progressive experience in the life (re)insurance or financial services industry, with at least 5 years in a senior risk leadership role.
• Demonstrated experience in enterprise risk management, including regulatory frameworks (US RBC, Solvency II, Canadian LICAT)
• Proven track record of leading cross-functional teams and managing complex, multi-jurisdictional risk environments.
• Experience working in a global organization, with strong exposure to both business and corporate functions.

Technical & Functional Expertise:
• Deep understanding of life and health insurance/reinsurance products, risk drivers, and capital implications.
• Strong command of quantitative risk modeling, internal model validation, and capital adequacy frameworks.
• Expertise in governance, compliance, and regulatory engagement across North American juris