Head of Risk, Claims, and Insurance

Head of Risk, Insurance, ClaimsAbout AltoAlto is a destination for innovative, intellectually curious, and forward thinking people - we are disrupting the rideshare industry with a revolutionary, elevated experience and sustainable business model! At Alto we hire W-2 employee drivers and maintain a branded fleet of vehicles. We are rapidly growing, and at a pivotal point of time in the transportation industry. Today, we operate in Los Angeles, Dallas, Miami, and Houston. Check out more about us here.Position OverviewWe are seeking a visionary and operational leader to act as the "General Manager" for our Claims function. Navigating the complex, high-volume environment of modern mobility platforms requires a world-class risk management organization. This is a dynamic leadership position at the intersection of risk operations, internal policy, and corporate strategy, responsible for managing substantial auto liability, workers compensation, General Liability, and EPL claims.In this role, you will oversee our internal as well as our external claims team, carrier landscape, and drive aggressive cost-mitigation strategies, and position the Claims organization as the company’s "Early Warning System" for risk. You will be a vital cross-functional partner, translating complex front-line claims data into actionable intelligence for all teams across the company to protect our long-term cost of risk. The ideal candidate is an expert problem-solver and tech-forward thinker who balances deep operational expertise with high empathy, capable of leading a resilient team through structural change and navigating ambiguity at scale.What you’ll do:Claims Strategy & Execution: Define and drive the comprehensive claims strategy for our rideshare operations and associated corporate programs. Ensure end-to-end claim management execution perfectly aligns with the company’s broader financial objectives and risk tolerance.Complex Partner & TPA Landscape Management: Architect and oversee the claims provider landscape. Lead the vetting, selection, and integration of claims providers. Set stringent Service Level Agreements (SLAs), conduct rigorous audits, and drive strict accountability to ensure external partners deliver on operational excellence.Severe Casualty & Litigation Management: Provide direct oversight and strategic consultation on high-exposure, complex, and high-profile casualty claims. Work hand-in-hand with internal Legal counsel to craft winning litigation strategies, guide appropriate reserving practices, and drive optimal resolutions.Predictive Analytics & "Early Warning" Identification: Move the Claims function from reactive management to predictive intelligence. Utilize massive data ecosystems and our Risk Management Information System (RMIS) to spot loss trends, detect fraud vectors early, and provide decision-ready insights to Actuarial and executive leadership before they impact reserves.Cross-Functional & Policy Advocacy: Step beyond traditional operational boundaries to serve as a critical liaison between Claims, Product, Engineering, Safety, and LegalTranslate operational data into compelling policy narratives, supporting carrier renewals and story telling as well as structural reforms that lower the company's long-term cost of risk.Team Leadership & Legacy Building: Lead, mentor, and scale a multifaceted Claims organization spanning First Notice of Loss (FNOL), Customer Care, Quality Assurance, and Advocacy. Cultivate a highly engaged culture of continuous improvement, psychological safety, and operational excellence, building a resilient leadership bench.What you Bring to the Table:Experience: 10+ years of progressive leadership within Claims Operations, Risk Management, or Insurance Strategy, with heavy emphasis on commercial auto and general liability within the transportation, logistics, or gig-economy sectors.Technical Claims Expertise: Deep proficiency in complex casualty litigation, reserving methodologies, and actuarial concepts. Proven track record of driving operational excellence, continuous improvement initiatives, and technological transformation in a fast-paced environment.Carrier & TPA Oversight: Extensive experience managing, auditing, and optimizing large-scale external carrier and TPA relationships, ensuring strict compliance with SLAs and aggressive cost-containment goals.Tech-Forward Mindset: A proactive innovator experienced in collaborating with Product and Engineering teams to build, enhance, or integrate claims technologies, AI solutions, and automated workflows.Data Focused: Using data to see trends, get to the root cause, and use data to take action to drive continued safety improvements across the organization.Executive Communication: Exceptional executive presence with the unparalleled business judgment needed to distill granular operational metrics into compelling strategic narratives for the C-suite, Legal partners, and carrier partners.Empathetic Leadership: 5+ years of senior management experience leading distributed operations. A highly collaborative leader fosters a supportive environment, seamlessly blending a people-centric approach with strong accountability and performance standards..Education: Bachelor’s degree required; JD, MBA, or advanced insurance designations (e.g., CPCU, ARM) are highly preferred.Perks of the ride:Base salary, bonus, and equity in a high-growth startupMedical, dental and vision insurance, as well as 401k with company matchADA Statement:The above statements describe what are generally believed to be principal and essential functions of the job. Specific circumstances may allow or require some incumbents assigned to the job to perform a different combination of duties.EEO Statement:Alto is committed to equal opportunity and is firmly committed to preventing discrimination and harassment, including sexual misconduct, based on legally protected diversity characteristics (such as race, color, religion, national origin, sex, age, disability, sexual orientation, gender identity or expression, family status, citizenship, genetic information, and veteran status) in its application and hiring processes and in its employment decisions.Alto is an equal opportunity affirmative action employer and administers all personnel practices without regard to race, color, religion, sex, age, national origin, disability, sexual orientation, gender identity or expression, marital status, veteran status, genetics, or any other category protected under applicable law.