Full-Time

Enterprise Risk Mgmt Consult

Posted on 5/28/2026

Aflac

Aflac

10,001+ employees

Supplemental health and life insurance provider

Compensation Overview

$85k - $125k/yr

+ Bonus

Georgia, USA

Hybrid

Occasional in-person office visits may be requested; travel ≤10%.

Category
Finance & Banking (2)
,
Required Skills
Data Analysis
Requirements
  • 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
  • Enterprise Risk Management Competencies
  • Technical Knowledge & Skill - Performs data analysis with minimal supervision and direction. Possesses advanced analytical skills and mature knowledge of risk concepts and processes. Often provides suggestions on new/improved processes. Begins to coach others.
  • Communication - Clearly conveys information & ideas to individuals & groups through a variety of communication methods. Listens effectively & able to clarify & synthesize information from multiple sources. Chooses an appropriate & effective way to communicate to different audiences in diverse situations.
  • Personal Effectiveness & Development - Displays self awareness & conscious of the implications of interactions with others; takes personal responsibility for improving oneself through use of resources.
  • Impact - Takes pride in your work & strives for excellence to achieve the best possible results for the company. Brings value to the company through ideas and work product.
  • Teamwork - Establishes & maintains respectful, cooperative, collaborative, & productive working relationships with informal & formal teams to accomplish goals.
  • Business Knowledge & Acumen - Maturing knowledge of the business. Begins to mentor/advise others on business practices. Frequently suggests new ways of performing tasks based on previous experience. Knows key stakeholders and organizational hierarchy.
  • Project Management - Effectively leads projects independently, however, seeks partnerships and direction from manager and others. Begins to mentor others in the competency. Ability to suggest changes and improvements to processes.
  • Influencing - Interprets business and technical data in a way that influences key decision makers/stakeholders. Participates in and occasionally leads discussions in order to drive key business decisions. Begins to show ability to build consensus among a group in order to achieve objectives.
  • Decision Making - Understands impact of data on business decisions and raises concerns in a timely manner. Ability to make effective business decisions with minimal guidance from manager and others. Begins to inform others to guide decision making.
  • Values Driven - Interacts with others in a way that gives them confidence in one's intentions. Listens with respect and objectivity even when others' opinions conflict with one's own. Adheres to standards of professional conduct.
  • Talent Management & Development - Effectively coaches peers or subordinates; delegates work appropriately; helps develop team capabilities and shares knowledge; builds positive relationships.
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.
Desired Qualifications
  • 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

Aflac provides supplemental health and life insurance products to individuals and families, operating mainly in two regions: Aflac Japan and Aflac U.S. Its policies are designed to cover out-of-pocket costs from health events and income loss, including cancer, critical illness, accidents, hospital stays, and life events. These benefits are paid directly to policyholders to help manage medical expenses not fully covered by primary insurance. The products are distributed through a network of independent agents, brokers, and financial advisors, enabling a high-volume, low-premium model that supports a large, stable customer base and ongoing revenue. Japan is its largest market, and the company uses this broad distribution and scale to differentiate itself from competitors. The goal is to provide straightforward financial protection against unexpected health-related costs while expanding its presence in the U.S. and Japanese markets.

Company Size

10,001+

Company Stage

IPO

Headquarters

Columbus, Georgia

Founded

1955

Simplify Jobs

Simplify's Take

What believers are saying

  • Japan sales rose 25.5% in Q1 2026, driven by new medical products.
  • U.S. group voluntary and absence disability sales grew over 12% year over year.
  • May 2026 yen bonds provide cheaper funding for Japanese operations and capital returns.

What critics are saying

  • Japan lapses are suppressing earned premiums and keeping near-term growth negative.
  • Core U.S. agent-driven sales are flat, leaving legacy distribution momentum weak.
  • Four straight years of operating cash flow decline threaten buybacks and dividend flexibility.

What makes Aflac unique

  • Japan generates 53.36% of revenue, giving Aflac concentrated scale.
  • Aflac leads U.S. supplemental health with 27% workplace benefit market share.
  • Its portfolio spans cancer, accident, critical illness, hospital, disability, and life insurance.

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Benefits

Health Insurance

Dental Insurance

Vision Insurance

401(k) Retirement Plan

401(k) Company Match

Unlimited Paid Time Off

Paid Holidays

Hybrid Work Options

Remote Work Options

Company News

Yahoo Finance
Feb 25th, 2026
Aflac misses Q4 revenue estimates as life insurance stocks slip 5.6%

Life insurance stocks reported a slower fourth quarter, with the 13 companies tracked beating revenue consensus estimates by 3.7% on average. However, share prices have declined 5.6% on average since the latest earnings results. Aflac reported revenues of $4.28 billion, flat year on year, missing analysts' expectations by 2.9%. The company also missed earnings per share estimates. CEO Daniel Amos said the results reflect focused efforts to create long-term shareholder value. The stock has remained flat since reporting and currently trades at $112.80. Corebridge Financial performed best in the quarter, reporting revenues of $6.34 billion, up 35.7% year on year and beating expectations by 47.3%. The company also exceeded earnings per share estimates.

Yahoo Finance
Feb 4th, 2026
Aflac reports Q4 net earnings of $1.4B, announces 5.2% dividend increase

Aflac Incorporated reported fourth quarter net earnings of $1.4 billion, or $2.64 per diluted share, down from $1.9 billion, or $3.42 per share, in the same period last year. Total revenues fell to $4.9 billion from $5.4 billion year-over-year. Adjusted earnings decreased 5.4% to $818 million, though adjusted earnings per diluted share rose 0.6% to $1.57. Net earnings included investment gains of $537 million, driven primarily by gains on derivatives and foreign currency activities. Shareholders' equity stood at $29.5 billion, or $56.85 per share, at year-end. For full-year 2025, net earnings totalled $3.6 billion with adjusted earnings of $4.0 billion. The company reaffirmed a 5.2% increase in its first quarter dividend.

Cbonds
May 28th, 2025
Aflac: Other Events, Financial Statements And Exhibits

01 Other Events.

MarketBeat
Jan 6th, 2024
BluePath Capital Management LLC Makes New Investment in Aflac Incorporated (NYSE:AFL)

BluePath Capital Management LLC purchased a new position in Aflac Incorporated (NYSE:AFL - Free Report) during the 3rd quarter, according to the company in its most recent filing with the Securities and Exchange Commission (SEC). The institutional investor purchased 66,732 shares of the financial

Slater Sentinel
Dec 3rd, 2023
Eqis Capital Management Inc. Makes New Investment in Aflac Incorporated (NYSE:AFL)

Eqis Capital Management Inc. purchased a new position in shares of Aflac Incorporated (NYSE:AFL – Free Report) in the 2nd quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The fund purchased 12,152 shares of the financial services provider’s stock, valued at approximately $848,000. Several other large investors […]