COMPANY VALUE STATEMENTS
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Be Present
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POSITION SUMMARY
The Senior Account Manager is the highest level of the DecisionHR Benefits Account Management career path, serving as a senior strategic consultant, executive relationship manager, and subject-matter expert for a portfolio of large, complex, and high-value client accounts. This role independently owns multi-year benefit strategy, advanced carrier negotiations, comprehensive funding analysis, and cost-containment program development - and operates as a trusted advisor to client C-suite and senior HR leadership.
In addition to managing the most complex accounts in the portfolio, the Senior Account Manager provides mentorship and technical leadership to Benefits Account Manager I and II staff, contributes to team development and process improvement, and serves as the department's internal expert on funding arrangements, multi-state compliance, PEO master plan design, and benefits consulting best practices. Promotion to this level is based on demonstrated expertise rather than tenure alone.
ESSENTIAL FUNCTIONS
Strategic Client Consulting & Executive Relationship Management
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Serve as the senior strategic advisor and relationship owner for a portfolio of large, complex, and high-value client accounts; operate as a trusted executive-level consultant on all aspects of employee benefits strategy.
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Conduct executive-level stewardship meetings and benefits strategy sessions; present financial analyses, trend data, and strategic recommendations to C-suite and senior HR leadership contacts.
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Lead retention strategy for assigned accounts; proactively identify risks, develop mitigation plans, and ensure clients receive the highest level of consultative service.
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Partner with Sales, HR Business Partners, Payroll, Compliance, and Client Experience leadership on complex client needs and cross-functional initiatives.
Advanced Renewal Strategy & Carrier Negotiations
Own the full renewal lifecycle for a portfolio of large and complex accounts
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Lead carrier negotiations on rates, plan design, service terms, and network arrangements; leverage claims data, utilization trends, and market intelligence to achieve optimal outcomes.
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Develop and present multi-year benefit strategy and cost-containment roadmaps tailored to each client's workforce demographics, financial objectives, and risk tolerance.
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Lead open enrollment strategy and execution for large accounts, including executive presentations, employee communication campaigns, and post-enrollment analytics.
Funding Analysis & Cost-Containment Strategy
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Conduct comprehensive funding analysis across fully insured, level-funded, self-funded, captive, and alternative funding arrangements; advise clients on the optimal funding strategy based on their size, claims experience, and risk appetite.
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Analyze claims experience, utilization data, pharmacy trends, and large claimant reports; develop cost-containment strategies including plan design changes, network optimization, wellness programs, and pharmacy management.
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Prepare budget projections, contribution modeling, and total cost-of-benefit analyses for executive review.
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Monitor and evaluate plan performance throughout the plan year; intervene proactively when trends indicate adverse cost or utilization patterns.
Compliance, Multi-State Expertise & PEO Consulting
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Provide expert-level guidance on ACA compliance, ERISA, COBRA, Medicare coordination, HIPAA, and applicable state-level benefits regulations across multiple jurisdictions.
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Advise on PEO master plan design, open-market quoting strategy, multi-line benefits coordination, and client-specific plan carve-outs or carve-ins.
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Monitor federal and state legislative developments affecting employee benefits; communicate impacts and recommended actions to clients and internal teams.
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Serve as the internal subject-matter expert for complex compliance situations; escalate legal questions requiring outside counsel as appropriate.
Team Leadership & Development
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Provide mentorship, training, and development guidance to Benefits Account Manager I and II staff; serve as the senior escalation point for complex client, carrier, and compliance questions.
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Contribute to the development of department processes, playbooks, and best practices; lead or participate in team knowledge-sharing and professional development initiatives.
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Assist in evaluating and onboarding new carrier partnerships and benefits vendors.
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Follow company policies and procedures required to comply with applicable data privacy and confidentiality requirements, including but not limited to SOC controls and HIPAA Privacy and Security regulations.
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Other duties and responsibilities as assigned.
REQUIRED EDUCATION AND EXPERIENCE
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Bachelor's degree in Business, Human Resources, Finance, or a related field required.
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8-15+ years of progressive experience in employee benefits consulting, account management, benefits brokerage, or a directly comparable senior-level client-facing role.
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Active Florida Life and Health license required.
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Demonstrated expertise in large-group benefits consulting including renewal strategy, carrier negotiations, funding analysis, and cost-containment program development.
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Deep working knowledge of fully insured, level-funded, and self-funded health plan design and administration.
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Experience advising on captive and alternative funding arrangements.
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Strong expertise in multi-state employee benefits compliance including ACA, ERISA, COBRA, HIPAA, Medicare, and applicable state regulations.
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Proven ability to present complex financial analyses and strategic recommendations to C-suite and executive-level audiences.
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Experience in PEO, large benefits brokerage, or HR outsourcing environment strongly preferred.
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Proficiency in Microsoft Office Suite including advanced Excel; experience with claims analytics platforms and benefits management systems.
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PREFERRED EDUCATION AND EXPERIENCE
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Graduate degree or professional certification in Employee Benefits, Human Resources, or a related field (e.g., CEBS, GBA, RPA).
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Experience with pharmacy benefit management strategy, wellness program development, and large claimant management programs.
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Established carrier relationships in the Florida and multi-state group benefits market.
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Experience leading or mentoring a team of benefits professionals.
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Familiarity with PEO master plan structures, open-market quoting, and multi-line benefits coordination.
