Sao Paulo

Associate

Qualified

Senior Actuary

Property & Casualty

Reserving

Reporting

Risk

Python

Experience Analysis

Coding

Pricing

Excel

AIG, or American International Group, is a multinational insurance corporation founded in 1919. It provides a diverse portfolio of insurance products and services to clients in over 80 countries. AIG is known for its expertise in property, casualty and life insurance, as well as risk management solutions for businesses worldwide. It emphasizes resilience, customer satisfaction, and global reach.

At AIG, we are reimagining the way we help customers manage risk. Join us as a Brazil Actuarial Specialist to play your part in that transformation. It’s an opportunity to grow your skills and experience as a valued member of the team.Make your mark in ActuarialOur Actuaries are on the front lines, quantifying risk, pricing insurance, and reserving losses for AIG’s major insurance operating companies globally. We collaborate with Finance, Claims, Operations, Marketing, and Risk Management, among other functions. As an AIG actuary, you will be challenged and encouraged to reach your greatest potential to help improve how we predict, manage, and mitigate risk.How you will create an impactResponsibilities:<ul><li>Define technical provisions for Insurance and Reinsurance Company for Commercial and Consumer lines products in Local Gaap and USGAAP.</li><li>Monitor reserves level for Insurance and Reinsurance Company for Commercial and Consumer lines products in Local Gaap and USGAAP.</li><li>Monitor Loss Ratio Tendencies, Frequencies, and Severities.</li><li>Identify, create, and monitor action plans needed to improve portfolio profitability.</li><li>Identify, investigate, and explain variances to financial plans related to forecasts by interpreting financial results.</li><li>Analyze quarterly studies of IBNR to manage loss ratio by products and help each Profit Center create action plans.</li><li>Create all the financial statements notes related to the actuarial work.</li><li>Attend all USGAAP Reports and activities.</li><li>Run Local GAAP Liability Adequacy Test Required by Regulator.</li><li>Define the risk appetite (retention per risk).</li><li>Assess, monitor, and report the capital level (current and projection).</li><li>Write the Annual Appointed Actuary Report to the regulator commenting on the external actuarial audit report.</li><li>Ensure accuracy on actuarial databases.</li><li>Manage the external audit process.</li></ul>What you’ll need to succeed<ul><li>Bachelor’s degree in Actuarial (MIBA is required).</li><li>Senior experience in reserving techniques to monitor, identify, and anticipate loss ratios tendencies, portfolio behavior, and measure P&L impacts.</li><li>Exceptional communication skills, including the ability to develop and present clear and concise analysis and recommendations to senior management.</li><li>Willing and able to continuously learn and adapt in a dynamic and fast-changing environment.</li><li>Advanced English Skills.</li></ul>Ready to take your career to the next level? We would love to hear from you.Reimagining insurance to make a bigger difference to the worldAmerican International Group, Inc. (AIG) is a global leader in commercial and personal insurance solutions; we are one of the world’s most far-reaching property casualty networks. It is an exciting time to join us — across our operations, we are thinking in new and innovative ways to deliver ever-better solutions to our customers. At AIG, you can go further to support individuals, businesses, and communities, helping them manage risk, respond to times of uncertainty, and discover new potential.Welcome to a culture of belongingWe’re committed to creating a culture that truly respects and celebrates each other’s talents, backgrounds, cultures, opinions, and goals. We foster a culture of inclusion and belonging through our flexible work arrangements, diversity and inclusion learning, cultural awareness activities, and Employee Resource Groups (ERGs). The diversity of our people is one of AIG’s greatest assets, and we are honored that our drive for positive change has been recognized by numerous recent awards and accreditations.AIG provides equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability, or any other legally protected categories.AIG is committed to working with and providing reasonable accommodations to job applicants and employees with disabilities.

Actuarial Technical LeadAt AIG, we are reimagining the way we help customers to manage risk. Join us as an Actuarial Technical Leader to play your part in that transformation. It’s an opportunity to grow your skills and experience as a valued member of the team.Make your mark in ActuarialOur Actuaries are on the front lines, quantifying risk, pricing insurance, and reserving losses for AIG’s major insurance operating companies, globally. We collaborate with Finance, Claims, Operations, Marketing, and Risk Management, among other functions. As an AIG actuary, you will be challenged and encouraged to reach your greatest potential to help improve how we predict, manage, and mitigate risk.How you will create an impact<ul><li>Define technical provisions for Local and USGAAP.</li><li>Review the reserves level for Insurance and Reinsurance Company for Commercial and Consumer lines products.</li><li>Define the risk appetite (retention per risk).</li><li>Review the capital level (current and projection).</li><li>Write Appointed Actuary Report to the regulator commenting the external actuarial audit report.</li><li>Profitability Studies.</li><li>Identify, create, and monitor action plans needed to improve portfolio profitability.</li><li>Define Budget Loss Ratio.</li><li>Identify and investigate variances to financial plans and forecasts by interpreting financial results.</li><li>Analyze quarterly studies of IBNR to manage loss ratio by products and help each Profit Center to create action plans.</li><li>Create all the financial statements notes related to the actuarial work.</li><li>Manage databases to measure performance.</li><li>Ensure accuracy on actuarial databases.</li><li>Handle Brazil regulatory annual activities.</li><li>Manage the external audit process.</li></ul>What you’ll need to succeed<ul><li>Technical reserving experience and portfolio analysis experience.</li><li>Pricing experience would be a plus.</li><li>Actuarial Bachelor’s degree (MIBA is required).</li><li>Advanced English Skills.</li><li>Do hands-on work.</li><li>Recognized experience in the insurance market in the actuarial area.</li><li>Support in managing team and actuarial activities agenda.</li><li>Ability to dive into technical and execution level details.</li><li>Capacity to lead the team, encourage accountability, manage deadlines, problem-solving, and develop team skills.</li></ul>Ready to take your career to the next level? We would love to hear from you.Reimagining insurance to make a bigger difference to the worldAmerican International Group, Inc. (AIG) is a global leader in commercial and personal insurance solutions; we are one of the world’s most far-reaching property casualty networks. It is an exciting time to join us — across our operations, we are thinking in new and innovative ways to deliver ever-better solutions to our customers. At AIG, you can go further to support individuals, businesses, and communities, helping them to manage risk, respond to times of uncertainty, and discover new potential. We invest in our largest asset, our people, through continuous learning and development, in a culture that celebrates everyone for who they are and what they want to become.Welcome to a culture of belongingWe’re committed to creating a culture that truly respects and celebrates each other’s talents, backgrounds, cultures, opinions, and goals. We foster a culture of inclusion and belonging through our flexible work arrangements, diversity and inclusion learning, cultural awareness activities, and Employee Resource Groups (ERGs). With global chapters, ERGs are a cornerstone for our culture of inclusion. The diversity of our people is one of AIG’s greatest assets, and we are honored that our drive for positive change has been recognized by numerous recent awards and accreditations.AIG provides equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability, or any other legally protected categories.AIG is committed to working with and providing reasonable accommodations to job applicants and employees with disabilities. If you believe you need a reasonable accommodation, please send an email to us.

Who we areAmerican International Group, Inc. (AIG) is a leading global insurance organization. Building on 100 years of experience, today AIG member companies provide a wide range of property casualty insurance, life insurance, retirement solutions, and other financial services to customers in more than 80 countries and jurisdictions. These diverse offerings include products and services that help businesses and individuals protect their assets, manage risks and provide for retirement security.Get to know the businessGeneral Insurance is a leading provider of insurance products and services for commercial and personal insurance customers. It includes one of the world’s most far-reaching property casualty networks. General Insurance offers a broad range of products to customers through a diversified, multichannel distribution network.About the roleActivities<ul><li>Appointed Actuary for Insurance and Reinsurance Company</li><li>Manage the reserves level for Insurance and Reinsurance Company for Commercial and Consumer lines products</li><li>Define the risk appetite (retention per risk)</li><li>Manage the capital level (current and projection)</li><li>Send Annual Appointed Actuary Report to the regulator commenting the external actuarial audit report</li><li>Advise management and Board of Directors about products profit and remediation plans</li><li>Give an opinion and recommendations on the adequacy of the underwriting policy</li><li>Contribute to effective implementation of the risk management</li><li>Monitor portfolio performance and support remediation plans</li><li>Define Budget Loss Ratio</li><li>Define technical provisions for local GAAP.</li><li>Define technical provisions for US GAAP.</li><li>Identify and investigate variances to financial plans and forecasts by interpreting financial results.</li><li>Analyze quarterly studies of IBNR to manage loss ratio by products and help each Profit Center to create action plans.</li><li>Develop financial statements.</li><li>Manage databases to measure performance.</li><li>Ensure accuracy on actuarial databases.</li><li>Prepare QA documents for closings to ensure compliance and meet expectations/timelines.</li><li>Deliver ALM report to Investment team.</li><li>Support internal and external audit.</li></ul>What we’re looking for:<ul><li>Bachelor’s Degree in Actuarial</li><li>Experience leading teams</li><li>Advanced English Skills</li><li>Capacity to enforce accountability and learn the strengths and development opportunities of the team so as to put people in a position to succeed.</li><li>Exceptional communication skills, including ability to develop and present clear and concise analysis and recommendations to senior management.</li><li>Proven ability to dissect complex business issues, perform research and analysis, and synthesize conclusions into a value-maximizing strategy.</li><li>Willing and able to continuously learn and adapt in a dynamic and fast changing environment.</li><li>Ability to dive into technical and execution level details, do hands-on work, connect the dots while thinking strategically and serve as strong thought partner of cross functional leaders.</li><li>Comprehensive awareness of the business, regulatory environment, competitors, market cycle, technology and legislative trends.</li><li>Not afraid to take charge of a situation and can overcome resistance to change, taking unpopular stands when necessary.</li></ul>We are an Equal Opportunity EmployerAmerican International Group, Inc., its subsidiaries and affiliates are committed to be an Equal Opportunity Employer and its policies and procedures reflect this commitment. We provide equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories such as sexual orientation.At AIG, we believe that diversity and inclusion are critical to our future and our mission – creating a foundation for a creative workplace that leads to innovation, growth, and profitability. Through a wide variety of programs and initiatives, we invest in each employee, seeking to ensure that our people are not only respected as individuals, but also truly valued for their unique perspectives.AIG is committed to working with and providing reasonable accommodations to job applicants and employees with physical or mental disabilities. If you believe you need a reasonable accommodation in order to search for a job opening or to complete any part of the application or hiring process, please contact us. Reasonable accommodations will be determined on a case-by-case basis.

Who we areAmerican International Group, Inc. (AIG) is a leading global insurance organization. Building on 100 years of experience, today AIG member companies provide a wide range of property casualty insurance, life insurance, retirement solutions, and other financial services to customers in more than 80 countries and jurisdictions. These diverse offerings include products and services that help businesses and individuals protect their assets, manage risks and provide for retirement security.Get to know the businessGeneral Insurance is a leading provider of insurance products and services for commercial and personal insurance customers. It includes one of the world’s most far-reaching property casualty networks. General Insurance offers a broad range of products to customers through a diversified, multichannel distribution network.About the roleMonitoring<ul><li>Rate, rate adequacy and exposure monitoring</li><li>Profiles – deductibles, limits, line sizes, mix, etc.</li><li>Work closely with underwriting management to identify profitable new business and growth opportunities.</li></ul>Rater/Pricing<ul><li>Support underwriters to understand how their technical premium has been built up in the international raters</li><li>Work as part of the International team to calibrate and validate base rates and modifiers in the raters</li><li>Update LAC (Latin America &amp; Caribbean) pricing models in the cases where regional rater is necessary</li><li>Produce pricing analysis for large accounts and schemes within agreed timescales, working closely with underwriters.</li></ul>Others<ul><li>Support requests for data as required for different regional/international/global initiatives</li></ul>What we’re looking for:<ul><li>Ability to communicate actuarial concepts to non-specialists.</li><li>Candidates with LT product experience strongly preferred</li><li>Proven proficiency in actuarial pricing concepts/methodologies</li><li>Actuarial degree</li><li>Strong analytical and problem-solving skills.</li><li>Work well both independently and as part of a team.</li><li>Expertise in Excel, VBA, SAS, R, Python or other programming languages.</li><li>Strong business and collaboration skills, and responsive to service needs and operational demands.</li><li>Excellent communication, presentation, and interpersonal skills.</li><li>English and Spanish speaker</li></ul>We are an Equal Opportunity EmployerAmerican International Group, Inc., its subsidiaries and affiliates are committed to be an Equal Opportunity Employer and its policies and procedures reflect this commitment. We provide equal opportunity to all qualified individuals regardless of race, color, religion, age, gender, gender expression, national origin, veteran status, disability or any other legally protected categories such as sexual orientation.At AIG, we believe that diversity and inclusion are critical to our future and our mission – creating a foundation for a creative workplace that leads to innovation, growth, and profitability. Through a wide variety of programs and initiatives, we invest in each employee, seeking to ensure that our people are not only respected as individuals, but also truly valued for their unique perspectives.AIG is committed to working with and providing reasonable accommodations to job applicants and employees with physical or mental disabilities. If you believe you need a reasonable accommodation in order to search for a job opening or to complete any part of the application or hiring process, please send an email to candidatecare&#64;aig.com. Reasonable accommodations will be determined on a case-by-case basis.

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