Established in 2021, Independence Pet Holdings is a corporate holding company that manages a diverse and broad portfolio of modern pet health brands and services, including insurance, pet education, lost recovery services, and more throughout North America.
We believe pet insurance is more than a financial product and build solutions to simplify the pet parenting journey and help improve the well-being of pets. As a leading authority in the pet category, we operate with a full stack of resources, capital, and services to support pet parents. Our multi-brand and omni-channel approach include our own insurance carrier, insurance brands and partner brands.
Established in 2021, Independence Pet Holdings is a corporate holding company that manages a diverse and broad portfolio of modern pet health brands and services, including insurance, pet education, lost recovery services, and more throughout North America.
We believe pet insurance is more than a financial product and build solutions to simplify the pet parenting journey and help improve the well-being of pets. As a leading authority in the pet category, we operate with a full stack of resources, capital, and services to support pet parents. Our multi-brand and omni-channel approach include our own insurance carrier, insurance brands and partner brands.
Independence American Insurance Company (IAIC) is hiring for a Senior Manager, Finance & Regulatory
This is a hybrid role based in our Toronto offices
About Independence American Insurance Company
Independence American Insurance Company (IAIC) is a rapidly growing insurance carrier within Independence Pet Holdings (IPH), one of the most dynamic platforms in the pet health and insurance industry. IPH operates a broad portfolio of pet health brands and services across North America, supported by an integrated platform that includes its own insurance carrier, insurance brands, and partner brands.
We are at an exciting stage where foundational decisions matter. Our teams are designing processes, implementing technology, strengthening controls, and creating the infrastructure needed to support the next phase of growth. This environment offers the best of both worlds: the stability of an established insurance platform combined with the energy, visibility, and opportunity typically found in a high-growth startup.
Position Summary
The Senior Finance & Regulatory Lead is intended to evolve into the leadership position responsible for establishing and overseeing all financial, regulatory, and reporting functions for the Canadian Branch of a U.S.‑domiciled insurance company. In the near term, the individual in this role will work closely with a third-party consulting firm and internal stakeholders to implement the financial, regulatory and operational processes necessary to support the Branch’s launch and ongoing operations. This position offers a unique opportunity for a motivated individual to help build the Canadian Branch from the ground up and grow into a key leadership role with broad responsibility for its financial and regulatory oversight.
Key Responsibilities
Finance and Accounting Operations
- Oversee financial reporting, accounting and month-end close activities for the Canadian Branch under IFRS, U.S. GAAP and U.S. Statutory reporting frameworks;
- Coordinate premium, claims, commission and reinsurance accounting and ensure the accuracy and integrity of the general ledger;
- Support the preparation and submission of OSFI regulatory filings, capital monitoring and financial statement reporting;
- Lead the development and enhancement of financial reporting capabilities within the global ERP system to support Canadian regulatory and management reporting requirements;
- Coordinate external and internal audits and regulatory examinations.
Governance and Branch Management
- Support the establishment and ongoing management of the Canadian Branch’s finance, reporting and regulatory compliance functions;
- Lead the development of branch governance, including policies, procedures and risk management practices to support the Branch’s growth and operational objectives;
- Coordinate communications and reporting with regulators, external audits and internal stakeholders.
Strategic and Cross-Border Collaboration
- Serve as key liaison between Canadian operations and U.S.-based finance, actuarial, tax, compliance and executive leadership teams;
- Provide financial insights and analysis to support business growth, pricing initiatives, product development and distribution partnerships;
- Support budgeting, forecasting, capital planning and long-term strategic initiatives for Canadian operations
- Contribute to the successful establishment and scaling of the Canadian Branch, with the opportunity to grow into the leader responsible for all finance,
All of our jobs come with great benefits including healthcare, parental leave and opportunities for career advancements. Some offerings are dependent upon the location of where you work and can include the following:
Comprehensive full medical, dental and vision Insurance
Basic Life Insurance at no cost to the employee
Company paid short-term and long-term disability
12 weeks of 100% paid Parental Leave
Health Savings Account (HSA)
Flexible Spending Accounts (FSA)
Retirement savings plan
Personal Paid Time Off
Paid holidays and company-wide Wellness Day off
Paid time off to volunteer at nonprofit organizations
Pet friendly office environment
Commuter Benefits
Group Pet Insurance
On the job training and skills development
Employee Assistance Program (EAP)
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Skills Required
- Experience preparing and submitting OSFI regulatory filings (P&C returns, capital monitoring, branch reporting).
- Deep knowledge and hands-on experience with IFRS 17 measurement, disclosures, and actuarial inputs.
- Experience coordinating cross-border reporting and reconciliation between IFRS and US GAAP frameworks.
- Familiarity with provincial insurance regulator requirements, licensing, premium reporting, and market conduct compliance.
- Proven ability to develop and maintain accounting policies, internal controls, and documentation aligned to Canadian and U.S. regulatory expectations.
- Experience coordinating premium, claims, commission, and reinsurance accounting for MGA-distributed and direct-written insurance programs.
- Strong general ledger management: reconciliations, journal entries, and month-end close across GAAP, US statutory, and IFRS reporting schemas.
- Ability to support appointed actuarial teams on loss reserving, triangles, and IFRS 17 actuarial inputs.
- Experience coordinating external audits, internal audits, and regulatory examinations.
- Experience establishing branch financial control environments, including SOX-aligned processes where applicable.
- Ability to partner with underwriting, claims, actuarial, operations, and U.S. finance leadership to support business growth and execution.
- Provide financial insight for market strategy, pricing, product development, budgeting, and forecasting for Canadian operations.
Independence Pet Holdings Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Independence Pet Holdings and has not been reviewed or approved by Independence Pet Holdings.
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Healthcare Strength — Comprehensive medical, dental, and vision coverage is described alongside company-paid life insurance and disability coverage. HSA/FSA options and an Employee Assistance Program add additional health and protection support.
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Parental & Family Support — Twelve weeks of 100% paid parental leave is explicitly offered. This level of fully paid leave is positioned as a meaningful family-support benefit.
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Leave & Time Off Breadth — Personal paid time off is paired with 10 holidays and a company-wide Wellness Day. Paid time off to volunteer also expands time-off options beyond standard PTO.
Independence Pet Holdings Insights
What We Do
Established in 2021, Independence Pet Holdings is a corporate holding company that manages a diverse and broad portfolio of modern pet health brands and services across insurance, pet education, lost recovery services, and beyond across North America. As a leading authority in the industry, we operate with a full stack of resources, capital, and services that support a multi-brand and omni-channel approach. We operate our own insurance carrier and partner successfully with other carriers, as needed. We believe that pet insurance is more than a financial product and build solutions to simplify the pet parenting journey and help improve the well-being of pets
