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Audit Compliance Risk


The Audit, Compliance and Risk division is comprised of the following departments:

Internal Audit uses a risk-based approach to audit the effectiveness of Horizon’s control environment. It creates and executes an annual audit plan that assist the business in identifying and remediating control risks and opportunities. It also completes annual Model Audit Rule and Service Organization Control testing.

The Compliance and Ethics office is responsible for working with each business unit to establish and maintain an effective Compliance and Ethics Program that enhances the Company’s ability to fulfill its regulatory requirements and ethical duties.

Enterprise Risk Management assists the business units in identifying and mitigating enterprise risk. Enterprise Risk Management is also responsible for a National Association of Insurance Commissioners (NAIC) regulatory reporting requirement called Own Risk Solvency Assessment (ORSA).