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.

What you will do:

• Ensure timely and accurate financial reporting in accordance with U.S. GAAP, including oversight of the monthly and quarterly close and entity consolidations
• Leverage resources to ensure completeness and accuracy of insurance financial results and related disclosures
• Maintain and strengthen internal control frameworks and accounting policies to support audit readiness and mitigate financial reporting risk
• Lead all statutory accounting and reporting, including preparation and review of quarterly and annual statutory financial statements and related regulatory filings
• Oversee insurance accounting across premium, loss and LAE reserves, reinsurance, and related balance sheet accounts, ensuring alignment and reconciliation between GAAP and statutory results
• Direct accounting and reporting for ceded and assumed reinsurance and fronting arrangements, including premium settlements, ceding commissions, reinsurance recoverables, and collateral balances
• Coordinate and review periodic reporting and settlement deliverables to fronting and reinsurance partners (e.g., bordereaux, accounts current, and related treaty reporting) and ensure compliance with contractual reporting requirements
• Partner with actuarial, underwriting, and operations teams on reserve roll-forwards, premium recognition, and statutory disclosures and related insurance schedules
• Serve as primary accounting liaison for statutory audits and insurance-specific reporting matters
• Experience building scalable accounting processes and reporting infrastructure
• Drive automation and system enhancements across ERP and insurance accounting workflows (e.g., NetSuite and policy/reinsurance data integrations)
• Establish and document accounting policies and procedures across insurance finance activities
• Serve as a key partner to insurance operations, underwriting, actuarial, and compliance teams
• Support external audits (GAAP and statutory) and regulatory inquiries
• Mentor and develop accounting staff as the insurance accounting function grows

What Cowbell needs from you:

• Bachelor’s degree in Accounting or Finance or related field; CPA required
• Audit experience with insurance industry clients strongly preferred
• 5–7 years of accounting experience, including insurance or financial services accounting
• Strong technical expertise in U.S. GAAP and insurance/statutory accounting frameworks
• Demonstrated experience with insurance company reporting and financial close processes
• Experience with ERP and financial systems (e.g., NetSuite or similar); ability to work across data and reporting platforms
• Experience with statutory filings or insurance carrier accounting preferred
• Ability to operate effectively in a dual GAAP/statutory accounting environment