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.
Key Responsibilities
Financial Reporting & Compliance
- Support preparation and submission of all OSFI regulatory filings, including P&C returns, capital monitoring, and annual/quarterly branch reporting, partnering with local consultants.
- Oversee IFRS 17 measurement, disclosures, actuarial inputs, and financial statement preparation.
- Coordinate cross‑border reporting to U.S. headquarters, ensuring alignment between IFRS and U.S. GAAP frameworks.
- Maintain compliance with provincial insurance regulators, including licensing, premium reporting, and market conduct requirements.
- Develop and maintain accounting policies, internal controls, and documentation consistent with Canadian and U.S. regulatory expectations.
- Liase with MGA’s on business development, financial reporting
Financial Operations
- Coordinate premium, claims, commission, and reinsurance accounting for MGA‑distributed and direct‑written programs.
- Manage general ledger integrity, reconciliations, journal entries, and month‑end close processes for multiple regulatory reporting schemas (GAAP, US Statutory, IFRS).
- Support consulting appointed actuarial teams with loss reserving, triangles, and IFRS 17 actuarial inputs.
- Coordinate external audits, internal audits, and regulatory examinations.
Governance & Branch Management
- Establish the branch’s financial control environment, including SOX‑aligned processes where applicable.
- Support Consulting Chief Agent for reporting to OSFI, provincial regulators, external auditors, and internal stakeholders.
- Support development of branch governance, including policies, procedures, risk management practices, and reporting frameworks.
- Partner with underwriting, claims, actuarial, operations, and U.S. finance leadership to support business growth and operational execution.
Strategic & Cross‑Border Collaboration
- Provide financial insight to support Canadian market strategy, pricing, product development, and distribution partnerships.
- Ensure effective communication and alignment with U.S. finance, actuarial, tax, and compliance teams.
- Contribute to long‑term planning, budgeting, and forecasting for Canadian operations.
Position Summary
The Senior Finance & Regulatory Lead is responsible for establishing and overseeing all financial, regulatory, and reporting functions for the Canadian Branch of a U.S.‑domiciled insurance company. This role ensures full compliance with OSFI, IFRS 17, Canadian tax, and provincial insurance regulatory requirements while maintaining alignment with U.S. GAAP reporting to the parent company. The position serves as the primary finance leader in Canada and plays a critical role in building the branch’s operational, governance, and control environment.
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
