Claims & Risk Analyst

Claims & Risk Analyst

Reports to: Safety and Risk Manager

Location: Flexible Schedule Options Available

Type: Full-Time

Salary: Competitive, with a complete benefits package including health, dental, vision, 401(k), paid time off, and professional development opportunities

About the Company

Founded in 1911, AZO Services is a family-owned and operated company providing top-tier waste management, environmental solutions, and heavy construction material supplies. Serving multiple states and industries, we deliver exceptional service to both commercial and residential customers.

Why Join AZO Services?

Become a vital part of AZO Services, a values-driven, family-owned business deeply rooted in trust, integrity, and community. As a Claims & Risk Analyst, you'll contribute to a legacy of excellence, shaping strategies that safeguard our assets and support our steady growth across multiple states. Join a closely collaborative team where your expertise drives meaningful impact, and your career thrives in a supportive, family-oriented culture that prioritizes long-term relationships, personal growth, and a commitment to principled innovation.

Role Overview

As a Claims & Risk Analyst, you'll lead the charge in executing and optimizing our enterprise-wide claims and risk management strategy. Collaborating with internal teams, insurance brokers, and external partners, you'll manage complex claims, analyze risk data, and drive process improvements. This role offers the opportunity to innovate within a values-driven framework, lead high-impact projects, and grow in a supportive environment that champions integrity, collaboration, and continuous improvement.

What You'll Do

Manage Claims with Expertise: Oversee a diverse portfolio of insurance claims (auto liability, property, professional liability) from investigation to resolution. Negotiate settlements, monitor progress, and maintain strong relationships with stakeholders for timely, effective outcomes.

Deliver Strategic Insights: Analyze loss data, track global insurance trends, and identify emerging risks to inform decision-making and minimize company-wide exposures.

Optimize Processes: Streamline claims processes, develop insightful dashboards, and provide actionable recommendations to reduce the total cost of risk.

Collaborate Effectively: Partner with corporate and field teams, brokers, carriers, and claimants to ensure clear communication and exceptional service.

Support Policy Renewals: Work with brokers and underwriters to provide accurate documentation for seamless insurance policy renewals.

Lead Impactful Projects: Contribute to enterprise risk management (ERM) strategies, coordinate annual meetings in Utah, and explore innovative risk solutions.

Provide Administrative Support: Maintain meticulous records, generate reports, and perform ad-hoc analyses to support safety and insurance programs.

Opportunities for Growth

Shape and scale our ERM strategy to reduce risks and optimize outcomes.

Lead the transformation of our claims handling processes with practical, values-driven approaches.

Tackle high-visibility projects that highlight your ability to innovate and deliver results.

Access robust professional development, including training, certifications, and mentorship to advance your risk management career.

What We're Looking For

Qualifications

Bachelor's degree in Risk Management, Business, Finance, or a related field.

5+ years of experience in insurance and claims management, with a proven track record of handling complex claims and analyzing risk data.

Experience with claims litigation, including involvement in the discovery process, arbitration, and use of experts.

Candidates must have familiarity with U.S. insurance regulations and claims litigation processes, as the role involves direct interaction with U.S.-based brokers, carriers, and legal frameworks.

Skills & Abilities

Analytical Excellence: Strong ability to interpret policy language, analyze loss data, and identify trends to deliver clear, actionable insights.

Negotiation Skills: Proven expertise in negotiating claim settlements while building lasting stakeholder relationships.

Communication Mastery: Exceptional written and verbal communication skills for accurate documentation and effective stakeholder engagement.

Tech Savvy: Proficiency in Microsoft Office Suite (Excel, Word, PowerPoint); familiarity with databases and web-based platforms a plus.

Project Management: Proven ability to manage timelines, track metrics, and develop dashboards to communicate key insights.

Collaborative Spirit: A self-starter who thrives in both independent and team-oriented environments, with a commitment to integrity and confidentiality.

Continuous Improvement: A proactive mindset focused on identifying opportunities to enhance processes and outcomes.

Physical Requirements

Primarily office-based work in Kalamazoo, MI, with regular computer use.

Occasional travel within Michigan and nearby states for field inspections, photos, or in-person claim settlements, requiring a valid U.S. driver's license.

Candidates must be based in or willing to relocate to the Kalamazoo, MI, area to support regular collaboration with local teams.

Why You'll Love Working Here

Impactful Work: Your contributions will directly shape our risk management strategy and protect our organization's future.

Family-Oriented Culture: Join a family-owned business that values collaboration, trust, and your professional growth, fostering a warm and supportive environment.

Comprehensive Benefits: Enjoy competitive pay, health benefits, 401(k), paid time off, and opportunities for continuous learning.

Work-Life Balance: Flexible schedule options available.

Dynamic Environment: Be part of a fast-paced, evolving industry with opportunities to tackle new challenges and grow your expertise.

How to Apply

Please submit your resume and cover letter. Selected candidates will undergo standard pre-employment processes in accordance with company policy to ensure alignment with AZO Services' values of integrity and excellence. Please note that the ability to work in the U.S. without current or future sponsorship is a requirement.