claims administrator

CBCS

<div>CBCS, a division of Cottingham &amp; Butler, is growing &mdash; and we're looking for driven individuals to join our Workers' Compensation team as Claims Administrators. In this role, you'll be trained to investigate, evaluate, and resolve medical-only claims while delivering the high‑quality service our clients expect.

No insurance experience? No problem. We will teach you the technical side &mdash; what matters most is your ability to think critically, communicate clearly, and take ownership of your work.

Responsibilities 
As a Claims Administrator, you will manage a caseload of medical-only Workers' Compensation claims from start to finish. Your core responsibilities include:
<ul>
<li>Reviewing and evaluating medical-only claims to understand what occurred</li>
<li>Communicating with injured workers, medical providers, and clients</li>
<li>Documenting claim activity accurately and consistently following CBCS Best Practices</li>
<li>Making timely decisions within your assigned authority to resolve claims efficiently</li>
<li>Submitting required state EDI filings and supporting Medicare compliance</li>
<li>Identifying when a claim should be upgraded for further investigation or lost‑time consideration</li>
<li>Evaluating potential subrogation opportunities and escalating when appropriate</li>
<li>Meeting performance benchmarks for contact, reserving, and claim closure</li></ul> 

<div>
<div><div>The ideal candidate will have prior experience in a business setting or prior claims handling experience, a competitive spirit, and thrive in a fast-paced professional business environment. If you come from an insurance background that's great! However, we understand that most people don't which is why we are willing to train you on the technical details. It's more important to us that you embody the right personal characteristics. While we don't expect you to be perfect in every aspect of the job right away, the aforementioned traits are essential for success in the role.</div></div></div> 

Full-Time Benefits - Most benefits start day 1
<ul>
<li>Medical, Dental, Vision Insurance</li>
<li>Flex Spending or HSA</li>
<li>401(k) with company match</li>
<li>Profit-Sharing/Defined Contribution (1-year waiting period)</li>
<li>PTO/Paid Holidays</li>
<li>Company-paid ST and LT Disability</li>
<li>Maternity Leave/Parental Leave</li>
<li>Subsidized Parking</li>
<li>Company-paid Term Life/Accidental Death Insurance</li>
</ul>
About Cottingham &amp; Butler Claims Services

At Cottingham &amp; Butler, we sell a promise to help our clients through life's toughest moments. To deliver on that promise, we aim to hire, train, and grow the best professionals in the industry. We look for people with an insatiable desire to succeed, are committed to growing, and thrive on challenges. Our culture is guided by the theme of &quot;better every day&quot; constantly pushing ourselves to be better than yesterday &ndash; that's who we are and what we believe in.

As an organization, we are tremendously optimistic about the future and have incredibly high expectations for our people and our performance. Our ability to grow as a company, fuels investments in new resources to better serve our clients and provide the amazing career opportunities our employees want and deserve. This is why we are a growth company and why we are committed to being better every day.

Want to learn more? Follow us on www.CBCSclaims.com | LinkedIn</div><div></div>

Claims Administrator - Med Only Claims

Klingberg Family Centers

<div>Klingberg is a private non-profit multi service agency who provides help to thousands of people across Connecticut each year. Our goal is to extend hope and healing to children and families whose lives have been traumatized by abuse and/or neglect in its various forms, sever family problems and mental health issues.
Full time employees are eligible for our attractive benefits that include but are not limited to: Health, dental, and vision insurance, Life insurance, 401k plus a match, 13 Paid Holidays, 3 Weeks&rsquo; Vacation, Parental Leave, Employee Assistance Program, and a Referral Program.
We are also offering a $1,000 sign on bonus.
Function:
Under the direction of the Director of Human Resources, the Benefits Administrator position is responsible for directing and planning the day-to-day operations of group benefits programs (group health, dental, vision, short-term and long-term disability, worker's compensation, life insurance, travel and accident plan, flexible spending plan, retirement plans, etc.). This position provides excellent customer service and designs quality benefits plans. The administrator continually investigates new benefits programs and improves existing programs.
General Core Competencies:<ul><li>
Promote Mission: Affirms and upholds the mission, philosophy, policies, and vision of the agency.</li><li>
Diversity: Promotes and ensures equality, diversity, and inclusion in all aspects of our work by valuing our workforce, clients and community.</li><li>
Professional Behavior: Embodies professionalism and initiative in the execution of job responsibilities.</li><li>
Growth: Is receptive to feedback, willing to learn, and strives for continuous improvement.</li><li>
Integrity/Honesty: Behaves in an honest, fair, and ethical manner. Shows consistency in words and actions. Models high standards of ethics.</li><li>
Interpersonal Skills: Treats others with courtesy, sensitivity, and respect. Considers and responds appropriately to the needs and feelings of different people in different situations.</li><li>
Flexibility: Is open to change and new information; rapidly adapts to new information, changing conditions, or unexpected obstacles.</li><li>
Problem Solving: Identifies and analyzes problems; weighs relevance and accuracy of information; generates and evaluates alternative solutions; makes recommendations.</li></ul>
Job Specific Competencies: (illustrated by typical activities)
Employee Medical, Dental, LT, ST Life Insurance<ul><li>
Assist the Director of HR in research employee benefits plans and vendors to identify those that present the best options and best value.</li><li>
Coordinate all open enrollment process: ADP update, employee meetings/education, update and distribute materials for benefits orientations, and summary plan descriptions.</li><li>
Oversee maintenance of employee benefits files, maintain group benefits database and update employee payroll records.</li><li>
Gather employee data and oversee the processing of monthly billings and the preparation of vouchers for payment of administrative fees for all group plans.</li><li>
Allocate group health and dental claims monthly and review quarterly.</li><li>
Coordinate transfer of data to external contacts for services, premiums and plan administration.</li><li>
Review both short- and long-range cost estimates/projections and relevant statistical analyses regarding modifications in benefits programs and implementation of new programs.</li><li>
Survey industry trends. Complete benefits surveys and review information obtained from the results. Analyze complex benefits information. Forecast trends and assist with future benefits designs. Develop specific recommendations for review by management.</li><li>
Provide terminated employee information to third party vendor to process COBRA benefits.</li><li>
Provide employees with annual documents such as 1095C.</li></ul>
Retirement Plan<ul><li>
Serve as primary contact for retirement plan vendors and third-party administrators.</li><li>
Coordinate transfer of data to external contacts for services, premiums and plan administration.</li><li>
Ensure compliance with applicable government regulations. Ensure timeliness and accuracy of required reporting and fees.</li><li>
Perform plan audits. Prepare, collect and organize data for actuarial assessments.</li><li>
Provide all retirement information to auditors, assist with the 5500 preparation.</li><li>
Provide employees with all regulatory documents.</li><li>
Assist employees with 401K loans process.</li></ul>
Leave of Absence and Workers Comp<ul><li>
Coordinate communication with employee and insurance company for disability, accident and death claims.</li><li>
Assist employees with work related injuries. Coordinate communication between employee and WC Trust. Complete the OSHA report.</li><li>
Assist employee with Connecticut Paid Leave and FMLA.</li><li>
Evaluate and revise internal processes to reduce costs and increase efficiency.</li><li>
Document and maintain administrative procedures for assigned benefits processes.</li></ul>
General Duties.<ul><li>
Monitor administrative costs of benefits programs and recommend cost containment strategies, including alternative methods for administration and funding.</li><li>
Prepare budgetary recommendations and assist in the monitoring, verifying and reconciling of budgeted funds.</li><li>
Review and respond to unemployment claims with appropriate documentation. Review monthly unemployment statements.</li><li>
Maintain employee medical files securely and confidentially to comply with laws.</li><li>
Assist Director of HR with managing interactive process for employees requesting ADA accommodations by conducting assessments and identifying reasonable accommodations to assist with job performance.</li><li>
Provides assistance to other HR staff as needed.</li><li>
Assists in additional projects as assigned by the Director of HR or VP of Finance and Administration.</li></ul>
Use of capabilities is characterized by thoroughness, accuracy, sound judgment, foresight, and a high standard of quality in the completion of administrative duties, coupled with tact and sensitivity in dealing with staff members at all levels.
Required Skills/Abilities:<ul><li>
Computer proficiency and technical aptitude with the ability to use Microsoft products, including PowerPoint; experience with HRIS and benefits databases.</li><li>
Project and team management/leadership skills and experience.</li><li>
Proven ability to work effectively in a team environment with associates.</li><li>
Effective planning and priority setting. Ability to manage several complex projects simultaneously while working under pressure to meet deadlines.</li><li>
Strong analytical skills and a thorough knowledge of plan designs.</li><li>
Ability to understand, evaluate and make judgment on proposals (RFPs).</li><li>
Knowledge of benefits contract language.</li><li>
Knowledge of all pertinent federal and state regulations, filing and compliance requirements, both adopted and pending, affecting employee benefits programs, including the ACA, ERISA, COBRA, FMLA, ADA, Section 125, workers' compensation, Medicare, OBRA, and Social Security and DOL requirements.</li><li>
Excellent communication and organization skills.</li></ul>
Authority:
The authority of staff and service nature of the position is clear and defined. In relationships with employees, vendors, agents, applicants, results are achieved through skilled presentation and persuasion. Where necessary, authority is delegated by the Director of HR.
Training:
Must complete 5 hours of professional development in addition to the required trainings each calendar year.
Physical Demands:
Sitting; Standing; Walking; Lifting (up to 20 lbs.); Pulling; Pushing; Carrying (up to 20 lbs.); Grasping; Bending; Speaking; Hearing; Seeing.
Education/Experience requirements:<ul><li>
Bachelor&rsquo;s Degree in business or human resource management or related field</li><li>
5 years&rsquo; experience in human resources and/or benefits administration</li><li>
Certified Employee Benefits Specialist preferred; Retirement Plans Associate preferred</li></ul> 
Klingberg Family Centers (and its Affiliates) is an equal opportunity employer. All qualified applicants receive consideration without regard to race, color, gender, national origin, ancestry, religion, age, marital status, sexual orientation, gender identity, learning or physical disability, past or present history of mental disorder, developmental disabilities, veteran status, or any other category protected by state, federal or local law.
We are an Affirmative Action Equal Opportunity Employer and a Drug Free Workplace. 
Monday-Friday 
In Office 
40 hours a week</div>

Benefits Administrator

Hoag Health System

<div>Primary Duties and Responsibilities
The Claims Auditor is responsible for performing pre-payment and post-payment audits ensuring financial and processing accuracy, compliance with regulatory and health plan requirements of claims processed.
The Claims Auditor is responsible for auditing and confirming accuracy of the loading of:
<ul><li>Fee schedules
</li><li>Provider contracts
</li><li>Payor contracts
</li><li>Benefits
</li><li>Code changes
</li><li>System enhancements</li></ul></div>
 <div>Education and Experience
<ul><li>High School Diploma or equivalent
</li><li>5 years of experience in a medical claims processing environment
</li><li>Knowledge of HMO/managed care regulatory guidelines
</li></ul>Preferred:
<ul><li>Experience with Epic Tapestry system
</li><li>3 years experience in claim audits, revenue recovery, or claims system configuration
</li></ul>License Required
N/A
License Preferred
N/A
Certifications Required
N/A
Certifications Preferred
N/A</div>

Claims Auditor: Hoag Clinic Claims & Enrollment

Plymouth Rock Assurance

<div>The Administrative Claims Specialist is part of a team that provides operational and administrative support to Claims Representatives.

RESPONSIBILITIES
<ul>
<li>Perform Quality Assurance on daily automated processes and either resolve issues independently or escalate them to the appropriate teams.</li>
<li>Enter payment and claim information accurately into the Claims System.</li>
<li>Communicate with adverse insurance carriers to obtain pertinent information or report claims.</li>
<li>Manage the Repair Shop Portal and address inquiries or concerns from repair shops.</li>
<li>Create and manage rental reservations between rental vendors and customers.</li>
<li>Assist User Acceptance Testers by creating test claim data in test applications.</li>
<li>Work within a team environment to support all team members.</li>
<li>Multitask and prioritize assignments based on overall level of importance.</li>
<li>Provide excellent customer service to both internal and external customers through verbal and written communication.</li>
</ul>
QUALIFICATIONS
<ul>
<li>High School Diploma or General Education Degree (GED)</li>
<li>1-3 months related experience and/or training.</li>
<li>Basic personal computer skills including working knowledge of Microsoft Office Suite products.</li>
<li>Ability to work effectively with minimal supervision.</li>
<li>Excellent interpersonal, verbal, and written communication skills.</li>
<li>Ability to multitask and work effectively under pressure.</li></ul> 


SALARY RANGE

The pay range for this position is $42,000 to $55,000 annually. Actual compensation will vary based on multiple factors, including employee knowledge and experience, role scope, business needs, geographical location, and internal equity.
PERKS &amp; BENEFITS
<ul>
<li>4 weeks accrued paid time off, 8 paid national holidays per year, and 2 floating holidays</li>
<li>Low cost and excellent coverage health insurance options that start on Day 1 (medical, dental, vision)</li>
<li>Annual 401(k) Employer Contribution</li>
<li>Free onsite gym and health center at our Woodbridge Location
</li><li>Resources to promote Professional Development (LinkedIn Learning and licensure assistance)
</li><li>Robust health and wellness program and fitness reimbursements</li>
<li>Various Paid Family leave options including Paid Parental Leave</li>
<li>Tuition Reimbursement
</li></ul>ABOUT THE COMPANY

The Plymouth Rock Company and its affiliated group of companies write and manage over $2 billion in personal and commercial auto and homeowner's insurance throughout the Northeast and mid-Atlantic, where we have built an unparalleled reputation for service. We continuously invest in technology, our employees thrive in our empowering environment, and our customers are among the most loyal in the industry. The Plymouth Rock group of companies employs more than 1,900 people and is headquartered in Boston, Massachusetts. Plymouth Rock Assurance Corporation holds an A.M. Best rating of &ldquo;A-/Excellent&rdquo;.

#LI-DNI</div>

Administrative Claims Specialist, Operations

Berkley

<div>Company Details:<div></div><div> 
Carolina Casualty is a member company of W. R. Berkley Corporation, an insurance holding company that is among the largest commercial lines insurance writers in the United States. We specialize in liability, physical damage, cargo and other insurance solutions for the commercial auto markets including trucking, public transportation and others.</div><div></div><div> 
We maintain some of the lowest claim adjuster pending claim counts in the industry. Our adjusters are part of a culture that emphasizes inclusion, collaboration, innovation, and team. Our culture is one where your work is recognized and appreciated. If you want to contribute to an organization where you matter and where you can make a difference, then search no further.</div><div></div><div> 
The company is an equal opportunity employer.</div>
Responsibilities:

The position is responsible for providing administrative claims support. 
Key Functions will include but not be limited to:<ul><li>
Ensure external and internal customers have an outstanding experience with the department and deescalate customers who are upset or frustrated</li><li>
Take first notice of loss reports, accurately enter new loss information into the claim system, route the claims for assignment to the correct adjuster</li><li>
Draft and send initial contact letters, gather policy documents, order police reports, coordinate vendor assignments</li><li>
Assist adjusters with SIU referrals, acknowledgement letters, and vendor payments</li><li>
Draft correspondence such as underwriting advisories and client contact letters</li><li>
Maintain data and update Excel Worksheets</li><li>
Process and attach mail/email/faxes/physical evidence into the correct claim files, accurately label and categorize the same</li><li>
Serve as first level of contact for external customer service inquiries</li><li>
Notify business partners by phone/email regarding messages, inquiries and claims issues</li><li>
Request W9 forms from vendors</li><li>
Process expense/invoice payments</li><li>
Post financial transactions such as salvage, subrogation and deductible recoveries to the claim system</li><li>
Prepare check attachments</li><li>
Download claim files to CDs for Attorney and Suit Assignments</li><li>
Transfer data received via CD to the claim system</li><li>
Prepare Attorney Assignment packets for law suits to include specific attachments, file copies, and prepare for mailing</li><li>
Transcribe recorded statements</li><li>
Update/maintain On-Call lists</li><li>
Assist Claim Adjusters with administrative and clerical assignments</li><li>
Perform other duties and/or projects as assigned</li></ul>
Qualifications:
<ul><li>Bachelor's Degree or some college preferred</li><li>Self-motivated and results oriented</li><li>Capable of working with internal and external teams and partners</li><li>Superior customer experience skills</li><li>Positive attitude and professional demeanor</li><li>Strong computer skills, including Excel and Outlook, and the ability to master multiple policy and claims</li></ul>
Additional Company Details: We do not accept any unsolicited resumes from external recruiting agencies or firms. The actual salary for this position will be determined by a number of factors, including the scope, complexity and location of the role; the skills, education, training, credentials and experience of the candidate; and other conditions of employment. Sponsorship Details: Sponsorship not Offered for this Role</div>

Business Operations Specialist

Kouba Dermatology

Company Conformance StatementsKouba Dermatology is committed to providing high-quality, patient-centered dermatologic care with a focus on skin cancer prevention, detection, and treatment. Our practice supports a collaborative, team-oriented environment and is dedicated to employee well-being, compliance, and operational excellence. All employees are expected to uphold organizational values and adhere to all applicable healthcare regulations and policies.POSITION SUMMARY:The Benefits Administrator is a part-time position responsible for the administration and coordination of employee benefits programs across a multi-site dermatology practice. This role ensures accurate and compliant management of benefits offerings, supports employee education and engagement, and servers as a primary resource for benefits-related inquiries. In addition, this position will provide coverage for Human Resources functions during planned absences, such as vacations. The role requires strong attention to detail, knowledge of healthcare regulations, and the ability to manage multiple priorities in a fast-paced environment.PRINCIPAL DUTIES &amp; RESPONSIBILITES:&middot; Administer employee benefits programs, including medical, dental, vision, retirement, disability, and workers&rsquo; compensation plans&middot; Manage benefits enrollment processes, including new hire onboarding, open enrollment, and qualifying life events&middot; Serve as the primary point of contact for employee benefits questions, providing clear and timely guidance&middot; Ensure compliance with applicable laws and regulations, including HIPAA, ACA, COBRA, and Medicare requirements&middot; Maintain accurate benefits records and documentation within HRIS and payroll systems&middot; Coordinate with insurance carriers and third-party vendors to resolve claims issues, eligibility discrepancies, and coverage questions&middot; Support payroll by ensuring accurate integration of benefits deductions and updates&middot; Conduct regular audits of benefits and HRIS data to ensure accuracy and compliance&middot; Prepare reports related to benefits utilization, enrollment trends, and compliance metrics&middot; Assist in the development and communication of benefits materials, policies, and employee education resourcesOther Essential Duties May Include (but are not limited to:&middot; Provide Human Resources coverage during planned absences, including support with employee inquiries, onboarding coordination and basic HR functions&middot; Support onboarding and orientation processes related to benefits education&middot; Assist with leave of absence administration, including FMLA and short-term disability coordination&middot; Participation in process improvement initiatives to enhance benefits administration efficiency&middot; Maintain confidentiality of all employee information in compliance with HIPAA and organizational standards&middot; Collaborate with leadership and HR team members on employee engagement and retention initiatives&middot; Perform other duties as assignedKnowledge, Skills &amp; Abilities Required:&middot; Strong understanding of employee benefits administration and applicable healthcare regulations (HIPAA, ACA, COBRA, Medicare)&middot; Proficiency in HRIS and payroll systems&middot; Excellent organizational skills with strong attention to detail and accuracy&middot; Ability to manage multiple tasks and deadlines in a fast-paced environment&middot; Strong analytical skills to interpret benefits data and generate reports&middot; Effective communication skills for employee interaction, education, and vendor coordination&middot; Ability to maintain confidentiality and handle sensitive employee information&middot; Knowledge of employment laws and HR best practices related to benefitsEducation:&middot; Bachelor&rsquo;s degree in Human Resources, Business Administration, or related field preferred&middot; Minimum of 2-3 years of experience in benefits administration or human resources required&middot; Experience in a healthcare or multi-site organization strongly preferred&middot; Experience with HRIS and payroll systems required&middot; Relevant certifications (e.g., SHRM-CP, PHR, CEBS) are a plusWorking Conditions:Primarily works in an office setting within a medical practice environment, requiring prolonged computer use, frequent interaction with staff, and the ability to manage multiple priorities in a fast-paced, multi-location healthcare setting.Physical, Mental, and Environmental Conditions of the Essential Duties of the Position:To comply with the Americans with Disabilities Act of 1990 (ADA), which prohibits discrimination against qualified individuals on the basis of disability, it is necessary to specify the physical, mental and environmental conditions of the Essential Duties of the job. Use the following codes to complete this section: &ldquo;F&rdquo; = frequently; &ldquo;O&rdquo; &ndash; occasionally, &ldquo;N&rdquo; = not at all.Physical Mental Environmental On the job, the employee must: On the job, the employee must On the job, the employee is:be able to:Bend F Sit F Read/Comprehend N Exposed to excessive noiseSquat F Stand O Write N Around moving machineryCrawl F Walk N Perform Calculations N Exposed to changes intemperatures and/or humidityClimb O Push/Pull F Communicate Orally N Exposed to dust, fumes, gases,RadiationKneel O Reason and Analyze N Drives motorized equipmentManual Dexterity Other O Works in confined quartersReach above Shoulder level Other:Use fine finger movementsMust Carry / Lift Loads of: O Light (up to 25#) ___ Moderate (25-50#) Heavy (&gt;50#)Background checks or licensing requirementsCandidates must pass in order to quality for the position:o Criminal background checko Reference checkso Education verificationo Licensing verification, if applicableo Medicare Exclusion List, if applicableo Drug testDisclaimer:This position description has been designed to indicate the general nature and level of work by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications which may be required of the employee assigned to the position. Frequent changes may occur in the job duties and assignments due to the nature of episodic patient flows and volumes. Cross-functionality, teamwork and flexibility are keys to success in the position. The information listed is intended to describe the general nature and level of work performed by people assigned to this classification. This job description is not intended to limit or modify the right of any supervisor to assign, direct and control the work of employees under his/her supervision.Pay: $48,622.39 - $80,000.00 per yearWork Location: Hybrid remote in Lambertville, MI 48144

CITY OF HOOVER

<div>Overview:
<div>
Hiring Range : $24.90/Hour - $33.36/Hour</div><div>
Starting salary may be adjusted depending on experience.</div>
Qualifications:
<div>
1. High School Diploma or GED equivalent AND five (5) years or more of full-time insurance or risk management experience</div><div>
 OR</div><div>
 Associate's Degree in Business, Risk Management, or related field AND three (3) years or more of full-time insurance or risk management experience</div>
 OR
 Bachelor's Degree or higher in Business, Risk Management, or related field AND one (1) year or more of full-time insurance or risk management experience<div></div><div> 
2. Excellent internal and external customer service skills;</div><div>
3. Excellent oral and written communication skills and organization skills;</div><div>
4. Experience using Microsoft Office Software to include Word, Excel and Outlook;</div><div>
5. Ability to work after hours;</div><div>
6. Possession of a valid driver's license and the ability to obtain/maintain a City of Hoover Driv.er's Permit;</div><div>
7. Alabama public notary or the ability to obtain designation wihtin one (1) year</div> 
<div></div>
Responsibilities:
<ul><li>Receives notice of new claims from city departments by telephone or email;</li><li>
Establishes new claims in Risk Management software and filing system;</li><li>
Notifies appropriate Third-Party Administrator of new claims;</li><li>
Notifies medical clinic of new workers&rsquo; compensation claims;</li><li>
Coordinates medical treatment for workers&rsquo; compensation claims;</li><li>
Maintains constant communication with injured employees and supervisors on workers&rsquo; compensation claims;</li><li>
Receives medical invoices and forwards to Third-Party Administrator for processing;</li><li>
Enters requisitions and purchase orders for claims expenses to include legal expenses;</li><li>
Makes weekly bank deposits for Risk Management; Manages weekly check register process and balances monthly expenditures with financial software;</li><li>
Assists with property &amp; casualty claims;</li><li>
Assists with Accident Review Board, and Health &amp; Safety Committee records and paperwork;</li><li>
Provides administrative assistance for Risk Management;</li><li>
Answers department telephone calls, email inquiries, receives and greets visitors to the department, and provides information to callers and visitors or refers callers and visitors to other appropriate departments or City personnel;</li><li>
Keeps immediate supervisor and designated others accurately informed concerning work progress, including present and potential work problems and suggestions for new or improved ways of addressing such problems;</li><li>
Responds to citizens' questions and comments in a courteous and timely manner;</li><li>
Communicates and coordinates regularly with appropriate others to maximize the effectiveness and efficiency of interdepartmental operations and activities;</li><li>
Performs other directly related duties.</li></ul></div><div></div>

Administrative Services Specialist - Risk Management

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2852 claims administrator jobs Near Me

Claims Administrator - Med Only Claims

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Benefits Administrator

Administrative Services Specialist - Risk Management