Associate Director – Facultative Reinsurance (Caribbean, Property)

About the role

Aon is a leading global professional services firm providing Health, Wealth, and Career solutions. Our 50,000 colleagues in 120 countries empower results by advising clients using proprietary data and analytics to deliver insights that improve performance and governance. This role, based in our Miami office with occasional virtual work flexibility, focuses on building, developing, and placing structured reinsurance solutions for clients in the Caribbean property market.

As an Associate Director - Facultative Reinsurance Broking, you will collaborate with Aon’s broking team to create alternative and structured reinsurance strategies, including loss portfolio transfers, adverse development covers, and other customized risk transfer solutions. You will work closely with broking, actuarial, analytics, contract wording, legal, and client-facing groups to help clients evaluate complex risks, review market options, and develop practical solutions supporting their financial, operational, and strategic goals.

Responsibilities

• Provide organized reinsurance solutions aligned with client priorities, market realities, and sound risk management principles.
• Build positive relationships with clients, reinsurers, and internal partners.
• Produce clear, accurate, and useful analysis, reports, and recommendations.
• Contribute to business development strategies that expand client engagement and support revenue growth.
• Strengthen market relationships and maintain current knowledge of structured market appetite and dynamics.
• Collaborate effectively across broking, analytics, actuarial, legal, contract wording, and client teams.
• Support high levels of client satisfaction through responsiveness, thoughtful problem-solving, and reliable execution.
• Bring a committed, united, and passionate approach to serving clients and working with colleagues.

Requirements

• At least 5 years of experience in broking and/or underwriting within commercial lines, concentrating on property and casualty insurance.
• Proven experience in a technical or analytical role, such as actuarial, catastrophe modeling, capital modeling, structured reinsurance, financial analysis, or a related field.
• Experience with structured reinsurance solutions, reinsurance markets, client analytics, or complex risk transfer strategies is highly desirable.
• Demonstrated experience with Caribbean or similar catastrophe-exposed property markets is strongly preferred.
• Strong familiarity with reinsurance and reinsurance broking, including experience formulating or placing structured reinsurance solutions.
• Solid knowledge of property and casualty insurance lines, with the ability to apply accident-related insurance expertise to client exposures.
• Experience identifying client needs and developing creative, efficient solutions.
• Strong consulting abilities, including guiding clients, clarifying complex concepts, and assisting with strategic decision-making.
• Strong data analysis abilities, including assessing exposure, loss, pricing, market, and financial data.
• Working knowledge of pricing analysis, exposure assessment, risk management, and structured deal economics.
• Ability to review documentation, contract terms, coverage language, and client-ready materials with accuracy and attention to detail.
• Familiarity with credit analysis concepts, including reinsurer counterparty strength, collateral considerations, and financial risk evaluation.
• Ability to prepare clear reports, presentations, and recommendations for clients, markets, and internal collaborators.
• Awareness of relevant regulatory, industry, and energy policy developments applicable to client risk profiles.
• Strong interpersonal skills and the ability to build positive relationships with major clients, reinsurers, and internal partners.
• Excellent verbal and written communication skills.
• Business development outlook, with the ability to identify opportunities and contribute to growth strategies.
• Strong organization and time management skills, with the ability to prioritize tasks and projects.
• Ability to work independently while contributing to a collaborative team environment.
• Comfort using Microsoft Office, especially Excel, and willingness to use analytical tools such as R, Python, or similar applications.
• Flexibility to travel as business needs require.

Qualifications

A bachelor’s degree or comparable experience is preferred, especially in technical, analytical, business, risk, insurance, finance, actuarial, mathematics, statistics, or a related area. Relevant credentials or progress toward credentials such as ACAS, FCAS, ASA, FSA, or similar professional designations are helpful but not required.

Benefits

• 401(k) savings plan with employer contributions
• Employee stock purchase plan
• Consideration for long-term incentive awards at Aon’s discretion
• Medical, dental, and vision insurance
• Various types of leaves of absence
• Paid time off, including 12 paid holidays, 15 days of paid vacation per year, and paid sick leave as provided under state and local laws
• Short-term disability and optional long-term disability
• Health savings account, health care, and dependent care reimbursement accounts
• Employee and dependent life insurance and supplemental life and AD&D insurance
• Optional personal insurance policies
• Adoption assistance
• Tuition assistance
• Commuter benefits
• Employee assistance program that includes free counseling sessions

Eligibility for benefits is governed by the applicable plan documents and policies.

Pay

The salary range for this position is $120,000 to $125,000 annually. The actual salary will vary based on applicant’s education, experience, skills, and abilities, as well as internal equity and alignment with market data. The salary may also be adjusted based on applicant’s geographic location. This position is eligible to participate in one of Aon’s annual incentive plans to receive an annual discretionary bonus in addition to base salary.