First National Bank of Lacon (“FNBL”) is a locally owned, independent community bank headquartered in Lacon, Illinois. We were chartered in 1864 — when Abraham Lincoln was President — and have served our neighbors here in central Illinois ever since with checking and savings accounts, CDs and IRAs, debit cards, online and mobile banking, and a full range of personal, home, and small-business loans. Agriculture is at the heart of what we do. We make loans for operating expenses, machinery, livestock, and real estate — and because we are locally owned and independent, all loan decisions are made right here in Lacon by people who know our community. We also partner with fintechs through our Banking-as-a-Service (BaaS) program, bringing the trust, regulatory rigor, and stability of a community bank to modern financial products built by innovative partners. It is the same FNBL approach — careful, relationship-driven, and grounded in compliance — applied to a new generation of financial services. Whether you are a longtime customer, a new neighbor, a fintech partner, or a future teammate, we are glad you found us. Member FDIC. Equal Housing Lender.

Industry: Banking
Company Size: 11-50 employees

First National Bank of Lacon

Savvy Admin PROD

**Risk Analyst – BaaS **

**About FNBL **

First National Bank of Lacon (“FNBL”) is a community bank with a growing Banking-as-a-Service (BaaS) program. We partner with fintechs to deliver well-run, compliant financial products — and we’re looking for a Risk Analyst who can help keep that engine healthy.

**The Role **

As Risk Analyst, you’ll own the day-to-day risk and compliance work across our fintech partner programs. You’ll report directly to the Chief Fintech Officer and work hand-in-hand with partner compliance and BSA teams, internal audit, and our regulators. This is a hands-on role for someone who already understands sponsor bank life.

**What You’ll Do **

- Run compliance monitoring and testing across our BaaS partner programs (Reg E, Reg DD, Reg Z, UDAAP, FCRA, GLBA, FDIC Part 370, and more).

- Review partner marketing, disclosures, and app flows — including FDIC insurance representations — before they go live.

- Manage the complaints program across the portfolio: intake, root-cause, CFPB / state AG responses, and trend reporting.

- Support BSA/AML, OFAC, and CIP/CDD oversight, including SAR drafting, EDD reviews, and back-testing partner transaction monitoring.

- Lead partner-level risk assessments and ongoing oversight aligned to the 2023 Interagency Guidance on Third-Party Relationships.

- Review partner SOC reports, financials, and policies; track issues and remediation to closure.

- Coordinate change-control reviews of new partner products and features before launch.

- Prepare reports for the Chief Fintech Officer, management committees, and the Board.

**What You Bring **

- 3–5 years in risk, compliance, BSA/AML, audit, or third-party management at a financial institution, fintech, or regulator.

- Experience with bank-fintech partnerships, third-party program oversight, or a sponsor bank / BaaS model (any combination).

- Strong working knowledge of FDIC, FinCEN, CFPB, FFIEC, and the 2023 Interagency Third-Party Guidance.

- Sharp analytical and writing skills — the kind that hold up in front of examiners.

- Ability to work a hybrid schedule from Las Vegas, NV and collaborate across time zones with fintech partners and FNBL’s Lacon, IL headquarters.

- Bachelor’s degree or equivalent experience.

**Nice to Have **

- Direct, hands-on experience at a BaaS sponsor bank, middleware provider, or fintech program manager.

- Familiarity with FBO / ledger account structures, Reg E error resolution at scale, prepaid / debit programs, ACH origination through partners, or fintech lending.

- CRCM, CAMS, CERP, CFE, or CIA certification (or in progress).

- Comfort with Excel, SQL, Power BI, or Looker for complaint and transaction-monitoring analysis.

**What We Offer **

- Salary range of $70,000 – $80,000 annually, based on experience.

- Hybrid work model based out of our Las Vegas, NV office, with ~10% travel to FNBL HQ in Lacon, IL, partners, and industry events.

- Direct reporting line to the Chief Fintech Officer with high visibility into the BaaS program.

- Comprehensive benefits, including medical, dental, vision, 401(k), and paid time off.

**How to Apply **

Submit your resume and a brief note about your sponsor-bank or fintech experience. We review applications on a rolling basis.

~~First National Bank of Lacon is an Equal Opportunity Employer. We celebrate diversity and are committed to creating an inclusive environment for all employees. All qualified applicants will receive consideration without regard to race, color, religion, national origin, sex, sexual orientation, gender identity, age, disability, veteran status, or any other protected characteristic. ~~

Risk Analyst

With more than $1 billion in premium, SageSure, the largest residential property insurance managing general underwriter (MGU) in the United States, is pioneering the ways people protect their American Dream. 

As a leader in catastrophe-exposed property insurance, we deliver reliable coverage, exceptional customer experiences, and strong underwriting results in challenging insurance markets across 14 states. We offer home, flood, and commercial coverage on behalf of our highly rated carrier partners.  

We have more than 600 employees across nine offices—Jersey City, NJ; Mountain View, CA; Atlanta, GA; Chicago, IL; Tallahassee, FL; Cincinnati, OH; Houston, TX; Mt. Laurel, NJ; and Cheshire, CT, and remote locations—who are tackling the industry’s toughest challenges.    

Our nimble, highly responsive culture nurtures critical thinkers who run toward problems and engineer solutions. We relentlessly pursue better outcomes by investing in the technology, talent, and tools that position us to succeed in demanding markets. To learn more, visit sagesure.com.

Industry: Insurance
Company Size: 501-1,000 employees

SageSure

**Overview: **

If you're looking for the stability of a profitable, growing company with the entrepreneurial spirit of a startup, we’re hiring. SageSure, a leader in catastrophe-exposed property insurance, is seeking a **Senior Catastrophe Risk Analyst. **

In this role, you’ll play a critical part in advancing the scientific, statistical, and model-based understanding of catastrophe risk across perils such as hurricanes, earthquakes, wildfires, floods, and severe convective storms. You’ll support the development and evaluation of catastrophe models, enhance internal risk views, and deliver insights to inform underwriting, portfolio management, and reinsurance strategy.

**What you’d be doing: **

- Evaluate third-party catastrophe models (e.g., RMS, Verisk, CoreLogic) and contribute to the development of internal risk views.

- Analyze large datasets (e.g., exposure data, claims data, hazard data) to assess model performance, validate assumptions, and identify improvement areas.

- Conduct claims analysis, event response, and post-event analytics.

- Support integration of climate science and emerging research into catastrophe risk analytics.

- Collaborate with internal stakeholders (underwriting, actuarial, reinsurance, risk, and data science teams) to apply research findings to business decisions.

- Design and implement tools, frameworks, or methodologies that improve model transparency and interpretability.

- Monitor and interpret academic, regulatory, and industry developments in catastrophe risk science and modeling.

- Ad hoc job duties as assigned.

**We’re looking for someone who has: **

- Advanced degree (Master’s or PhD) in Atmospheric Science, Hydrology, Earth Science, Engineering, Applied Mathematics, Statistics, or a related quantitative field.

- 5+ years of experience in catastrophe modeling, natural hazard risk research, insurance analytics, or a related field.

- Proficiency with catastrophe modeling platforms (RMS, Verisk, AIR, etc.).

- Strong coding and data analysis skills (e.g., Python, R, SQL).

- Experience working with geospatial data and tools (e.g., GIS, QGIS, ArcGIS).

- Familiarity with stochastic simulation, probabilistic risk modeling, and related statistical methods.

- Strong critical thinking, problem-solving, and research skills.

- Excellent communication skills with the ability to explain complex concepts to non-technical audiences.

- Proven ability to work collaboratively in cross-functional, research-driven environments.

**Highly preferred candidates also have: **

- Experience in the (re)insurance, ILS, consulting, or catastrophe model vendor environment.

- Experience developing internal catastrophe models or integrating third-party models into portfolio management workflows.

- Familiarity with climate risk modeling and emerging methodologies in catastrophe risk R&D.

- Demonstrated track record of publishing or presenting research in the field of natural hazard modeling or risk analytics.

**Catastrophe Risk R&D: **

At SageSure, the Catastrophe Risk R&D team is redefining how the industry understands and manages catastrophe risk. We operate at the intersection of science, technology, data, and industry insight, developing a proprietary view of risk that goes beyond traditional models. Our work shapes risk management strategy, capital allocation, and external market positioning, directly influencing how SageSure protects policyholders and partners in catastrophe-exposed regions.

Join the team that sees risk differently—and proves it.

**About SageSure: **

Named among the Best Places to Work in Insurance by Business Insurance for four years in a row (2020-2023), SageSure is one of the largest managing general underwriters (MGU) focused on catastrophe-exposed property in the US. Since its founding in 2009, SageSure has experienced exceptional growth while generating underwriting profits for carrier partners through hurricanes, wildfires, and hail. Available in 16 states, SageSure offers more than 110 home, flood, and commercial products on behalf of its highly rated carrier partners. Today, SageSure manages more than $3.2 billion of inforce premium and helps protect more than 970,000 policyholders.

We have more than 1,000 employees in a distributed workforce environment across 12 offices—Fairfield, CA; Mountain View, CA; Cheshire, CT; Jacksonville, FL; Tallahassee, FL; Tampa, FL; Chicago, IL; Jersey City, NJ; Marlton, NJ; Cincinnati, OH; Houston, TX; Sheboygan, WI—who are tackling the industry’s toughest challenges.

SageSure is a proud Equal Opportunity Employer committed to building a workforce that reflects the spectrum of perspectives, experiences, and abilities of the world we live in. We recognize that our differences make us strong, and we actively seek out diverse candidates through partnerships with organizations, institutions and communities that represent various backgrounds. We champion belonging and inclusion for all identities, including, but not limited to, race, ethnicity, religion, sexual orientation, age, veteran status, ability status, gender, and country of origin, striving to create a culture where all individuals feel valued, respected, and empowered to bring their authentic selves to work.

Our nimble, highly responsive culture nurtures critical thinkers who run toward problems and engineer solutions. We relentlessly pursue better outcomes by investing in the technology, talent, and tools that position us to succeed in demanding markets. Come join our team! Visit sagesure.com/careers to find a position for you.

**California Applicants: ** View SageSure’s Workforce Members’ Privacy Notice - CA Privacy Policy & Notice of Collection

Senior Catastrophe Risk Analyst

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