Associate Director – Facultative Reinsurance - Caribbean Property

Associate Director – Facultative Reinsurance Broking - Caribbean Property

This is a hybrid role with the flexibility to work both virtually and from our Miami office

Aon is in the business of better decisions

At Aon, we shape decisions for the better to protect and enrich the lives of people around the world.

As an organization, we are united through trust as one inclusive team and we are passionate about helping our colleagues and clients succeed.

What the day will look like

The Associate Director – Facultative Reinsurance Broking  will be a member of our regional broking team, responsible for originating, structuring, and placing property facultative reinsurance solutions for clients across the Caribbean.

You will work with cedants and regional insurers to design facultative programs for commercial, industrial, infrastructure, and large corporate property risks, with a particular focus on catastrophe‑exposed portfolios and single risks.

This role combines business development, technical structuring, and market leadership to deliver best-in-class property facultative solutions throughout the Caribbean.

Key Responsibilities

Client & Business Development – Caribbean Property

• Develop and grow a portfolio of property facultative clients across the Caribbean.
• Act as a trusted advisor to cedants on property facultative strategy, program design, retentions, and market positioning, including interaction with local regulators and rating agencies where relevant.
• Identify new and renewal opportunities across commercial, industrial, real estate, hospitality, energy-related property, and infrastructure risks, particularly those with high CAT exposure.
• Lead renewal strategy meetings and new-business pitches, clearly presenting property facultative options, market feedback, and recommendations tailored to Caribbean market conditions.

Broking, Placement & Structuring – Property

• Support the end-to-end placement of property facultative risks: data collection, submission preparation, marketing, negotiations, firm-order signings, and documentation.
• Structure and compare property facultative solutions and their interaction with clients’ treaty programs.
• Prepare clear, concise submissions and marketing materials that accurately present exposure data (TIV, COPE, BI values), coverage requirements, and client objectives.
• Negotiate terms, conditions, pricing, deductibles, sublimits, and wordings with regional and international property markets to secure optimal capacity and coverage.
• Coordinate cross-border placements, using major hubs (e.g., London, Miami, Latin America, Europe) to access global property facultative capacity.

Market & Relationship Management – Property Reinsurance

• Build and maintain strong relationships with key global and regional property facultative reinsurers writing Caribbean business.
• Maintain an up-to-date view of property market appetites, capacity, pricing trends, and coverage/wordings developments, with emphasis on hurricane, earthquake, flood, and other CAT perils.
• Proactively match client risks to appropriate markets, including facilities or special property capacity arrangements where available.
• Provide balanced, data-driven advice to clients on market selection, panel design, and diversification of property capacity.

Technical, Analytics & CAT Exposure Management

• Partner with analytics and catastrophe modeling teams to interpret CAT modeling outputs and scenarios (e.g., PML, AAL, return periods) relevant to Caribbean property exposures.
• Assess and interpret detailed property exposure information: construction, occupancy, protection, exposure (COPE), location characteristics, BI dependencies, and aggregation issues.
• Provide technical guidance on property facultative wordings and clauses commonly used in the Caribbean, ensuring alignment with client needs and global standards.
• Ensure the technical accuracy and completeness of slips, endorsements, and contract documentation, reflecting agreed terms and internal quality standards.

Portfolio, Commercial & Operational Management

• Manage your Property facultative book across multiple Caribbean territories, focusing on revenue growth, client retention, and portfolio quality (risk profile and diversification).
• Contribute to forecasting, pipeline management, and performance reporting for the Caribbean property facultative portfolio (production, margins, client and market activity).
• Work with operations, finance, and credit control to support premium collections, resolve accounting issues, and assist on claims‑related matters where required.
• Ensure all placements follow internal governance, regulatory requirements, sanctions policies, and documentation standards.

Leadership, Collaboration & Regional Expertise

• Provide technical and commercial coaching on property CAT and large commercial risks to junior brokers and analysts.
• Share insights on Caribbean property market trends, regulatory developments, and CAT experience with regional and global colleagues.
• Collaborate with treaty, retail, and specialty teams (e.g., construction, energy property) to identify cross‑selling opportunities and integrated solutions (e.g., facultative support to property treaty programs).
• Contribute to the development of internal tools, templates, and standard methodologies for property facultative placements in CAT‑prone markets.

Skills and experience that will lead to success

• Bachelor’s degree in Business, Finance, Economics, Risk Management, Actuarial Science, Engineering, a related field or equivalent years of industry experience
• Professional qualifications (e.g., ACII, CPCU, ARe or equivalent) preferred.
• 3+ years of experience in reinsurance or large commercial insurance, with substantial exposure to property facultative broking and CAT‑exposed risks.
• Demonstrated experience with Caribbean or similar catastrophe‑exposed property markets is strongly preferred.
• Proven track record of placing complex property facultative risks and managing senior client and market relationships in a multicultural environment.
• Solid understanding of the interaction between property facultative placements, property treaty programs, and primary underwriting.
• Strong broking and negotiation skills, particularly for property CAT and large commercial accounts.
• Robust technical understanding of property insurance, facultative structures, CAT risk, and aggregation.
• Strong analytical and organizational skills; comfortable working with large property exposure datasets and multiple concurrent placements.
• Culturally aware, adaptable, and collaborative, able to build trust with clients and colleagues across the Caribbean and global hubs.

How we support our colleagues

 Aon offers a comprehensive package of benefits for full-time and regular part-time colleagues, including, but not limited to: a 401(k) savings plan with employer contributions; an 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 throughout the calendar year, 15 days of paid vacation per year, paid sick leave as provided under state and local paid sick leave 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, and an employee assistance program that includes free counseling sessions.  Eligibility for benefits is governed by the applicable plan documents and policies.

In addition to our comprehensive benefits package, we encourage an inclusive workforce. Plus, our agile environment allows you to manage your wellbeing and work/life balance, ensuring you can be your best self at Aon. Furthermore, all colleagues enjoy two “Global Wellbeing Days” each year, encouraging you to take time to focus on yourself.  We offer a variety of working style solutions for our colleagues as well. 

Our continuous learning culture inspires and equips you to learn, share and grow, helping you achieve your fullest potential. As a result, at Aon, you are more connected, more relevant, and more valued.

Aon values an innovative and inclusive workplace where all colleagues feel empowered to be their authentic selves. Aon is proud to be an equal opportunity workplace. 

Aon provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, creed, sex, sexual orientation, gender identity, national origin, age, disability, veteran, marital, domestic partner status, or other legally protected status. People with criminal histories are encouraged to apply.

We are committed to providing equal employment opportunities and fostering an inclusive workplace. If you require accommodations during the application or interview process, please let us know. You can request accommodations by emailing us at

ReasonableAccommodations@Aon.com

For positions in San Francisco and Los Angeles, we will consider for employment qualified applicants with arrest and conviction record in accordance with local Fair Chance ordinances.

Aon is not accepting unsolicited resumes from search firms for this position. If you are a search firm, you will not be compensated in any way for your submission of a candidate, even if Aon hires that candidate.

Nothing in this job description restricts management's right to assign or reassign duties and responsibilities to this job at any time.

The salary range for this position (intended for U.S. applicants) is $110,000 to $130,000 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.  The amount of any bonus varies and is subject to the terms and conditions of the applicable incentive plan.

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