Analyst, Insurance

Journey with us! Combine your career goals and sense of adventure by joining our exciting team of employees. Royal Caribbean Group is pleased to offer a competitive compensation and benefits package, and excellent career development opportunities, each offering unique ways to explore the world.

We are proud to be the vacation-industry leader with global brands — including Royal Caribbean International, Celebrity Cruises and Silversea Cruises — the most innovative fleet and private destinations, and the best people. Together, we are dedicated to turning the vacation of a lifetime into a lifetime of vacations for our guests.

The Royal Caribbean Group’s Risk Management Team has an exciting career opportunity for a full time Analyst, Insurance reporting to the Director, Insurance.

The position is onsite and based in Miami, Florida.

Applicants must be legally authorized to work in the location where this position is based. The position is not eligible for immigration or work-visa sponsorship now or in the future.

At Royal Caribbean Group (RCG), we care about your health, financial security, and overall well-being. That’s why we provide a comprehensive and competitive benefits package designed to support what matters most to you across every area of life: physical, intellectual, emotional, and social. Here’s an overview of the benefits available to you, including but not limited to:

• Cruise and Travel Privileges
• Health and Wellness Benefits
• 401(k) + Employer Contribution (US Only)
• Company-Paid Life and Disability Insurance
• Employee Stock Purchase Plan
• Comprehensive Time Off Package
• Parental Leave
• Employee Assistance Program (EAP)
• Training & Professional Development
• Tuition & Professional Certification Reimbursement (US Only)

Specific benefits may vary by location and position. See more details about our benefits here.

What does the Risk Management Team do?

The Legal and Risk Management Team at Royal Caribbean Group provides strategic counsel and risk management support across brands and operations. The team advises on legal matters, compliance, contracts, claims, governance, insurance, and mitigation strategies, partnering with business leaders to protect company interests, support informed decision-making, manage exposure, and enable responsible, compliant, and sustainable business growth.

How you can make an impact:

• Performs advanced analytical and operational activities supporting the Company’s global insurance programs, including coverage for over $30B in assets. Serves as a key technical resource within Risk Management, collaborating cross-functionally and with external partners to support renewals, claims, financial performance, and compliance initiatives. Exercises sound judgment while contributing to analysis, process enhancements, and the continuous improvement of insurance operations.

What your day-to-day will look like:

Insurance

• Coordinate directly with internal departments and insurance brokers to obtain, validate, analyze, and submit exposure information required for renewals, endorsements, and audits.
• Review insurance policies, binders, certificates, memorandums of insurance, and confirmations of coverage for accuracy, completeness, and contractual compliance.
• Manage and maintain insurance documentation, schedules, and records using electronic and physical filing systems.
• Assist with, track, and analyze insurance claims, including compilation of supporting documentation, coordination with brokers and adjusters, and monitoring claim status through resolution.
• Support and coordinate the end-to-end recovery process for over-deductible claims submitted to Protection & Indemnity (P&I) Clubs, ensuring accurate documentation, timely reimbursement submissions, and effective follow-up through resolution.
• Coordinate with P&I Clubs, brokers, and internal stakeholders to respond to inquiries, provide supporting documentation, and assist with the resolution of disputed or outstanding recoveries.
• Monitor and reconcile P&I receivable balances, investigating discrepancies and aging items to ensure timely collection and accurate financial reporting.
• Record reimbursements in Riskonnect and prepare related journal entries for Cash Operations to facilitate proper accounting of incoming claim recoveries.
• Identify recurring claim trends, coverage issues, or data gaps and escalate findings with recommendations to management.

Finance

• Ensure accurate accounting treatment and proper general ledger coding of approximately $10M in monthly insurance expense.
• Monitor the wire transfer report and prepare journal entries to facilitate recording of the insurance related transfers.
• Responsible for reviewing, coding, and creating purchase orders to process invoices in a timely manner.
• Perform other duties as required. This job description in no way states or implies that these are the only duties to be performed by the employee occupying this position. Employees will be required to perform any other job-related duties assigned by their supervisor or management.

How to achieve success:

• Bachelor’s degree in risk management, insurance, finance, or business from an accredited University required.
• Two to three years of progressive experience in insurance, risk management, finance, or a related analytical role, or an equivalent combination of education and experience.
• Strong interpersonal abilities and comfortable interacting effectively with various levels of management.
• Good organizational skills and ability to handle multiple priorities/tasks simultaneously while meeting deadlines.
• Self-motivated, adaptive, proactive, quick learner, and works well independently or as part of a team in a fast-paced, dynamic environment.
• Strong communication skills (both written and verbal).
• Proficiency in Microsoft Office software is essential (Word, Excel, PowerPoint, etc.).
• Experience with Oracle Fusion and Oracle EPBCS preferred.
• Limited travel expected.

Agency and Third-Party Submissions: Please note this is a direct search by the Company, and applications through agencies and other third parties will not be accepted, nor will fees be paid for unsolicited resumes. Any unsolicited resumes will be considered the Company's property.

We know there's a lot to consider. As you go through the application process, our recruiters will be glad to provide guidance, and more relevant details to answer any additional questions. Thank you again for your interest in Royal Caribbean Group. We hope to see you onboard soon!

It is the policy of the Company to ensure equal employment and promotion opportunity to qualified candidates without discrimination or harassment on the basis of race, color, religion, sex (including pregnancy and related medical conditions), age, national origin, disability, sexual orientation, sexuality, gender identity or expression, marital status, citizenship or immigration status, veteran or military status, or any other characteristic protected by applicable law. Royal Caribbean Group and each of its subsidiaries prohibit and will not tolerate discrimination or harassment.

We are committed to providing reasonable accommodation to support candidates with disabilities during our hiring process. If you need a reasonable accommodation, please reach out to us at hraccess@rccl.com. This email is for disability-related accommodation requests only.