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Cowbell is signaling a new era in cyber insurance by harnessing technology and data to provide small and medium-sized enterprises (SMEs) with advanced warning of cyber risk exposures bundled with cyber insurance coverage adaptable to the threats of today and tomorrow. Championing adaptive insurance, Cowbell follows policyholders’ cyber risk exposures as they evolve through continuous risk assessment and continuous underwriting. In its unique AI-based approach to risk selection and pricing, Cowbell’s underwriting platform, powered by Cowbell Factors, compresses the insurance process from submission to issue to less than 5 minutes.
Founded in 2019 and based in the San Francisco Bay Area, Cowbell has rapidly grown, now operating across the U.S., Canada, U.K., and India. This growth was recently bolstered by a successful Series C fundraising round of $60 million from Zurich Insurance. This investment not only underscores the confidence in Cowbell’s mission but also accelerates our capacity to revolutionize cyber insurance on a global scale. With the backing of over 25 prominent reinsurance partners, Cowbell is poised to redefine how SMEs navigate the evolving landscape of cyber threats.
Financial Planning & Analysis (FP&A)
- Develop, maintain, and enhance financial models and forecasts to support strategic planning.
- Prepare monthly, quarterly, and annual financial reports with variance analysis and key performance indicators (KPIs).
- Partner with cross-functional teams to analyze product performance and profitability metrics.
- Model/assess performance scenarios to analyze risks and opportunities alongside the FP&A team and other teams.
- Support pricing strategies and business case development for new product launches.
Treasury Management
- Oversee cash flow forecasting and optimize working capital to ensure liquidity.
- Manage banking relationships, monitor accounts, and oversee treasury operations.
- Develop and implement strategies to mitigate financial risks, including currency and interest rate exposure.
- Ensure compliance with financial covenants and other regulatory requirements related to treasury activities.
Budgeting and Forecasting
- Lead the annual budgeting process, including coordinating inputs from various departments.
- Provide rolling forecasts and scenario planning to adapt to changing business conditions.
Financial Reporting
- Collaborate and prepare final monthly analyses of business trends and budget variance of financial results and Key Performance Indicators to be used in management reviews and strategic business analysis sessions.
- Proactively identify and communicate possible scenarios, risks and opportunities around business performance alongside the FP&A team.
- Ensure accurate and timely financial reporting in accordance with GAAP, regulatory, and internal standards.
- Collaborate with accounting teams to reconcile financial planning data with actual results.
Strategic Initiatives
- Support leadership in evaluating mergers, acquisitions, and partnerships.
- Conduct the development of strategic business analysis with overlays and commentary alongside the FP&A team.
- Provide insights into market trends, competitive analysis, and investment opportunities.
- Collaborate in developing and analyzing economic drivers of the business client (e.g., customer churn, renewals).
Team Collaboration and Development
- Work closely with the finance and accounting team to streamline processes and improve reporting accuracy.
- Train and mentor junior staff, fostering a culture of continuous improvement and financial excellence.
Requirements
Must Have:
- Bachelor’s degree in Finance, Accounting, Economics or a related field.
- 5+ years of experience in financial planning, analysis, and treasury functions
- Strong knowledge of GAAP principles and financial reporting standards.
- Proficiency in financial modeling, Excel, and accounting/ERP systems.
- Familiarity with insurance operations, particularly cyber insurance, is a plus.
- Experience with Microsoft Office Suite with strong knowledge of Excel (lookup formulas, pivot tables, power query).
- Excellent analytical, communication, and presentation skills.
- Proven ability to manage multiple priorities in a dynamic environment.
Preferred:
- Experience in the insurance industry (P&C lines preferred).
- Proficiency with WorkDay Adaptive planning software.
- Proficiency with NetSuite ERP.
- Proficiency with SQL, Tableau or any other visualization tools (i.e. PowerBI).
- Master's degree in Accounting, Finance, or Economics.
- A professional certification (e.g., CPA, CFA).
- Excellent communication skills and ability to focus on the details.
What Cowbell brings to the table:
- Employee equity plan for all and wealth enablement plan for select customer facing roles
- Comprehensive wellness program, meditation app subscriptions, lunch and learn, book club, happy hours and much more
- Professional development and the opportunity to learn the ins and outs of cyber insurance, cyber security as well as continuing to build your professional skills in a team environment
Equal Employment Opportunity:
We are committed to equal opportunity in the terms and conditions of employment for all employees and job applicants without regard to race, color, religion, sex, sexual orientation, age, gender identity or gender expression, national origin, disability, or veteran status.
Cowbell is a leading innovator in cyber insurance, dedicated to empowering businesses to always deliver their intended outcomes as the cyber threat landscape evolves. Guided by our core values of TRUE—Transparency, Resiliency, Urgency, and Empowerment—we are on a mission to be the gold standard for businesses to understand, manage, and transfer cyber risk.
At Cowbell, we foster a collaborative and dynamic work environment where every employee is empowered to contribute and grow. We pride ourselves on our commitment to transparency and resilience, ensuring that we not only meet but exceed industry standards.
We are proud to be an equal opportunity employer, promoting a diverse and inclusive workplace where all voices are heard and valued. Our employees enjoy competitive compensation, comprehensive benefits, and continuous opportunities for professional development.
For more information, please visit https://cowbell.insure/.
