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Director & Actuary, Biometric ResearchCompany: Munich Re, Canada (Life)Location: Toronto, CanadaPosition Overview:You are an actuary that is passionate about experience studies and making data-driven assumptions about what will happen in the future.As a Director in the Biometric Research department, you will be responsible for informing our business decisions across multiple lines of business in both Canada and the United States.You can look forward to analyzing some of the largest and richest datasets in the North American insurance industry, across individual life, critical illness, disability, and long-term care products.You will collaborate with a talented team of professionals who share your passion for biometric research and experience studies.Your Role:Individual and Group Insurance Business Lines:<ul><li>Lead and manage experience studies and assumption development projects across North America, focusing on mortality, morbidity, and lapse risks.</li><li>Continuously review and improve our experience analysis and assumption development processes to ensure they remain best-in-class.</li><li>Provide expert support to our Canadian pricing teams on new business quotes.</li><li>Support our Enterprise Risk Management team in the development and refinement of economic capital models for biometric risks.</li><li>Participate in and contribute to North American and Global Biometric Research initiatives, staying up-to-date on the latest trends.</li><li>Provide actuarial and research support for underwriting.</li><li>Provide peer reviews for other team members, to ensure high standards of quality and accuracy.</li></ul>Stakeholder Relationship Management:<ul><li>Build and maintain strong, trusted relationships with key stakeholders, including internal pricing and valuation teams.</li><li>Deliver timely and effective support to internal clients, addressing their needs and expectations in a proactive and responsive manner.</li><li>Develop and maintain strong relationships with key decision-makers, influencing business outcomes through clear and effective communication of complex ideas and technical concepts.</li><li>Foster a culture of collaboration and partnership, working closely with stakeholders to drive business growth and success.</li></ul>Project and People Management:<ul><li>Manage project resources, timelines, and deliverables, ensuring successful outcomes and high-quality results.</li><li>Ensure direct report(s) have a clear understanding of corporate and departmental objectives, and are aligned with the company's overall strategy and vision.</li><li>Lead and develop direct report(s), providing challenging tasks and assignments, and supporting their career growth and development.</li><li>Hire and develop top talent, building a team that is recognized as experts both internally and externally.</li></ul>Your Profile:<ul><li>University Degree in Actuarial Science, Finance, Statistics, or Mathematics.</li><li>FSA and/or FCIA designation.</li><li>5-10 years of experience in the individual insurance/reinsurance industry.</li><li>Demonstrated ability to effectively manage projects and direct report(s), with a strong track record of delivering results and driving business outcomes.</li><li>Strong analytical skills. Comfortable working with complex calculations.</li><li>Excellent communication and interpersonal skills, with the ability to convey technical concepts in a clear and accessible way.</li><li>Superior attention to detail and accuracy.</li><li>Strong problem-solving and organizational skills.</li><li>Demonstrated flexibility and effectiveness working under tight timelines.</li><li>Demonstrated ability to adapt in a dynamic environment.</li><li>Proficiency in Excel, SQL, R and/or Python is preferred.</li><li>Experience in statistical modelling and/or data analytics is an advantage.</li></ul>

The Role:At HRUK, we believe superior intelligence supports better decisions by using data insights and the latest research in health and medicine to price and manage our risks.Our Biometric Research Team vision is focused on:Robust Central BasesOur central bases assumptions are core to the business. They guide us in understanding, pricing, and managing biometric and behavioural risks with precision and confidence.We're always working to improve our tools and techniques, ensuring they are market leading and fit for the future.Best in class researchWe conduct forward-looking research to monitor how medical advances in diagnosis and treatment will affect the mortality and morbidity risks our clients face.Our comprehensive and systematic research leverages medical expertise, actuarial techniques, and data analytics to bring new insights, drive innovation, and support the development and pricing of new protection benefits and reinsurance solutions.Exceptional Data InsightsWe develop and embed data science tools and techniques to create data insights that will generate opportunities, drive value, make decisions, manage risk, and support innovation.We keep abreast of the latest innovations in data, evaluating and proposing the adoption of new technologies, tools, and methodologies.Duties & Responsibilities:<ul><li>Lead projects to develop and maintain central bases and assumptions. Communicate and engage with key stakeholders to ensure buy-in of the proposals.</li><li>Identify and analyse relevant data, including ‘non-traditional’ data attributes as well as experience analyses of the in-force portfolio.</li><li>Conduct and critically assess research into factors affecting biometric and behavioural risks undertaken by HRUK.</li><li>Quantify the impact of emerging risks in relation to central bases and develop and implement solutions to mitigate these emerging risks.</li><li>Maintain an understanding of the treaty pricing and valuation processes to ensure that the central bases are applied correctly and consistently.</li><li>Support the implementation of our Branch Data Strategy, improving access to and use of data, efficient data management, and developing data analytics techniques.</li><li>Participate in shaping the team's strategic direction, creating and implementing solutions aimed at realizing our vision.</li><li>Be a change driver by identifying how new methodologies, processes, and tools can be incorporated into Branch processes and influence others to adopt your proposals.</li><li>Support junior members of the team to enable them to excel through formal and informal training.</li><li>Collaborate with and support Business Development by assessing and evaluating the impact of risk definitions and coverage and making recommendations for action.</li><li>Continuously refine risk models to incorporate new rating factors and data.</li><li>Develop and present market and client presentations on research topics.</li><li>Develop and maintain the core CI pricing sheets ensuring trends and issues are identified, and recommendations are made.</li><li>Maintain a high level of knowledge of the industry with a focus on how these impact HRUK and its clients.</li><li>Design, implement, and maintain process controls to ensure the quality of the output of the department.</li><li>Support all other department activities, including peer review of work produced by other department members as required.</li></ul>About You:Qualifications Required:<ul><li>Qualified Actuary with at least 5 years PQE or experience in a similar role.</li></ul>Experience:<ul><li>Life & Health (Re) Insurance industry experience.</li><li>Experience of actuarial and data analysis techniques to analyse biometric data.</li><li>Experience in setting demographic assumptions.</li></ul>Skills:<ul><li>Strong working knowledge of actuarial, data, and medical research and developments.</li><li>A good understanding of statistical and data science techniques, especially relating to interpretation of biometric insurance risks.</li><li>Knowledge of R or other statistical analysis and data visualisation languages/packages.</li><li>Ability to communicate complex ideas and messages to a wide range of audiences.</li><li>Stakeholder management skills to identify and influence key stakeholders and drive projects to a conclusion.</li><li>Strong understanding of UK long-term protection insurance products and markets.</li></ul>Person Specification:<ul><li>Communicating and Influencing: Excellent communication and presentation skills with the ability to convey complex ideas and messages to a wide range of audiences.</li><li>Problem solving: Solution focused with excellent analytical skills. Ability to break down complex issues and proactively identify and implement solutions.</li><li>Delivery and Accountability: Accountable for individual and team deliveries to support the overall Branch objectives.</li><li>Innovation and Continuous Improvement: Creates and tests out new ideas and improvements that have a significant impact on the business operations.</li><li>Developing Capability and Knowledge Sharing: Willingness to share knowledge and to learn from peers.</li><li>Team Player: Strong team player with a focus on building a positive team culture based on trust and collaboration.</li></ul>What We Offer:Atmosphere: You will find an international working environment with short decision channels and an open feedback culture.Benefits: Structured onboarding, benefits superior to those of the collective agreement, and modern offers for personal development and work-life balance.Prospects: You contribute your specialist and methodological expertise, and we offer you fresh input and the opportunity to further develop your potential.

The successful candidate will be a member of SCOR’s longevity team supporting all aspects of understanding, pricing, and managing longevity reinsurance risks, enhancing SCOR’s ability to write profitable new businessYou will take a leading role in research and ongoing development of pricing bases for longevity pricing and valuation for pension schemes, standard individual annuities, and medically underwritten annuities. The team has global responsibility for longevity business so the role-holder will have the opportunity to work on business originating from outside the UK.You will also support pricing of longevity tenders which will include experience analysis, proposal of basis and rate production with supporting documentation. Assist in the development of other team members, especially junior colleagues.It is expected that you will establish strong working relationships with SCOR colleagues both within and outside the Longevity Team, clients, and industry contacts.Responsibilities<ul><li>Lead projects to deliver pricing bases and tools which enable SCOR to write profitable new business and develop its product offering. Delegate work to members of the Longevity Team outside the Research team to share knowledge and enable the optimal allocation of effort.</li><li>Contribute ideas for innovation of bases and help plan the research activities of the Longevity Team.</li><li>Identify suitable data sources and lead the delivery of analysis of internal and external data, obtaining maximum value from available information.</li><li>Keep abreast of major developments in the Longevity research field and the UK Longevity market.</li><li>Ensure pricing bases conform with SCOR Global Life pricing guidelines and that key pricing issues/risks are highlighted early.</li></ul>Quotes Production<ul><li>Work closely with colleagues to ensure the pricing bases support the efficient and accurate delivery of quotes.</li><li>For non-standard quotes, support the production of accurate rates and documentation within specified time frames.</li></ul>Relationships<ul><li>Develop strong relationships with external experts in Longevity research. Represent SCOR at conferences, industry events, and on working parties, promoting a positive image of SCOR.</li><li>Develop a strong network of relationships with SCOR colleagues outside the Longevity Team.</li><li>Support team development. Develop the expertise and wider skills of junior colleagues and educate internal non-specialists.</li><li>Promote the Longevity Team’s technical expertise, internally and externally.</li></ul>QualificationsExperience<ul><li>Expertise developed through experience of setting longevity, mortality, or morbidity assumptions in a commercial environment.</li><li>Experience of managing the production of technical actuarial work.</li><li>Actuarial/quantitative modeling experience.</li></ul>Desirable:<ul><li>Project management experience.</li><li>Recent UK annuity market experience.</li><li>Experience of manipulating and analyzing large, complex datasets.</li><li>Experience analysis, pricing, or valuation of annuities.</li><li>Understanding of UK pension schemes.</li></ul>CompetenciesEssential:<ul><li>Excellent technical modeling skills.</li><li>Excellent communication and interpersonal skills.</li><li>Excellent planning and work management skills.</li><li>Ability to use analytical skills combined with sound judgment and commercial awareness to recommend justifiable and practical pricing advice even where data is sparse or difficult to work with.</li><li>Self-motivated.</li></ul>Desirable:<ul><li>Ability to build strong rapport with clients and colleagues.</li><li>Flexible and adaptable.</li><li>Required Education:</li><li>Actuarial Qualifications (or directly relevant experience).</li><li>Educated to degree level with excellent academic track record.</li></ul>About usSCOR, the 4th largest reinsurer in the world, provides insurance companies with a diversified and innovative range of solutions and services to control and manage risk. Leveraging experience and expertise to deliver “The Art & Science of Risk”, SCOR provides cutting-edge financial solutions, analytics tools, and services in all areas related to risk – from Life & Health and Property & Casualty insurance to Investments. Our specialized teams operate in over 160 countries, fostering long-term relationships with clients.At SCOR, we believe that employing people from different backgrounds and ensuring inclusivity is a major driving force for the success of the Group. We are committed to fostering a work environment in which all employees are treated fairly and respectfully, have equal access to opportunities and resources, and can contribute fully to SCOR’s success.

We are a leading financial services provider committed to making decisions easier and lives better for our customers and colleagues around the world. From our environmental initiatives to our community investments, we lead with values throughout our business. To help us stand out, we help you step up, because when colleagues are healthy, respected and meaningfully challenged, we all thrive. Discover how you can grow your career, make impact and drive real change with our Winning Team today.Working ArrangementHybridJob DescriptionReporting to the AVP &amp; Actuary - Pricing, Research and Development, the Actuarial Director - Pricing Research &amp; Development will primarily support all pricing and R&amp;D initiatives related to Underwriting Innovation.Key Responsibilities:<ul><li>Supports all pricing and R&amp;D initiatives related to Underwriting Innovation, and assist with securing internal stakeholder approvals and reinsurer support for underwriting changes and programs</li><li>Review and recommend assumptions specific to new products and underwriting processes or data sources, including mortality, morbidity, and expected distribution of risk classes</li><li>Work with cross-functional teams both internally and externally to prioritize underwriting and new business initiatives and partnerships, review systems requirements and implementation of underwriting initiatives, and champion a culture of change related to the life insurance buying process while managing risk of mortality impacts</li><li>Support sales goals and profitability of product while continuing to comply with corporate guidelines and regulatory environment</li><li>Develop and maintain pricing tools and dashboards to monitor and assess program outcomes, using SQL, Tableau and other software to review experience data, uncover insights, and support future opportunities</li><li>Provide actuarial support to underwriting, marketing, distribution, strategy and IT areas</li><li>Lead/participate in ad hoc projects related to underwriting guidelines and new business application processes as necessary</li><li>Take initiative to drill down deeply into some subject matters in order to become department’s “expert”</li><li>Take initiative to suggest changes in department’s processes and procedures</li><li>Synthesize experiences from other projects within the department to find solutions to current problems</li><li>Perform top-down analysis of results and uses rules of thumb to identify areas for further investigation</li><li>Drive significant improvement within the department or BU by obtaining key management buy in</li></ul>Decision Authorities:<ul><li>Prioritizing and reprioritizing work deliverables and projects</li><li>General modeling approach</li><li>Managing internal and external resources to achieve targets if applicable</li><li>Detail documentation for product requirements and filing products</li></ul>What motivates you?<ul><li>You obsess about customers, listen, engage and act for their benefit.</li><li>You think big, with curiosity to discover ways to use your agile approach and enable business outcomes.</li><li>You thrive in teams and enjoy getting things done together.</li><li>You take ownership and build solutions, focusing on what matters.</li><li>You do what is right, work with integrity and speak up.</li><li>You share your humanity, helping us build a diverse and inclusive work environment for everyone.</li></ul>What we are looking for<ul><li>Fellow of the Society of Actuaries (FSA) or equivalent years of relevant life insurance or reinsurance experience with an actuarial background.</li><li>Excellent analytical and problem-solving ability combined with very strong technical actuarial skills.</li><li>Risk management focus, with ability to see beyond traditional measures and identify emerging issues.</li><li>Ability to respond to changing demands from multiple stakeholders and prioritize needs and results while working under deadline pressure.</li><li>Detail oriented, with strong general programming skills and ability to develop organized, creative and consistent solutions to diverse and complex problems.</li><li>Experience with any of US individual life insurance (product development), reinsurance, experience studies, or life insurance underwriting an asset.</li><li>Practical experience with Agile frameworks, Jira management an asset.</li></ul>What can we offer you?<ul><li>A competitive salary and benefits packages.</li><li>A growth trajectory that extends upward and outward, encouraging you to follow your passions and learn new skills.</li><li>A focus on growing your career path with us.</li><li>Flexible work policies and strong work-life balance.</li><li>Professional development and leadership opportunities.</li></ul>Our commitment to you<ul><li>Values-first cultureWe lead with our Values every day and bring them to life together.</li><li>Boundless opportunityWe create opportunities to learn and grow at every stage of your career.</li><li>Continuous innovationWe invite you to help redefine the future of financial services.</li><li>Delivering the promise of Diversity, Equity and InclusionWe foster an inclusive workplace where everyone thrives.</li><li>Championing Corporate CitizenshipWe build a business that benefits all stakeholders and has a positive social and environmental impact.</li></ul>About Manulife and John HancockManulife Financial Corporation is a leading international financial services group that helps people make their decisions easier and lives better. With our global headquarters in Toronto, Canada, we operate as Manulife across our offices in Asia, Canada, and Europe, and primarily as John Hancock in the United States. We provide financial advice, insurance, and wealth and asset management solutions for individuals, groups and institutions.At the end of 2022, we had more than 40,000 employees, over 116,000 agents, and thousands of distribution partners, serving over 34 million customers. At the end of 2022, we had $1.3 trillion (US$1.0 trillion) in assets under management and administration, including total invested assets of $0.4 trillion (US $0.3 trillion), and segregated funds net assets of $0.3 trillion (US$0.3 trillion). We trade as ‘MFC’ on the Toronto, New York, and the Philippine stock exchanges, and under ‘945’ in Hong Kong.Manulife is an Equal Opportunity EmployerAt Manulife/John Hancock, we embrace our diversity. We strive to attract, develop and retain a workforce that is as diverse as the customers we serve and to foster an inclusive work environment that embraces the strength of cultures and individuals. We are committed to fair recruitment, retention, advancement and compensation, and we administer all of our practices and programs without discrimination on the basis of race, ancestry, place of origin, colour, ethnic origin, citizenship, religion or religious beliefs, creed, sex (including pregnancy and pregnancy-related conditions), sexual orientation, genetic characteristics, veteran status, gender identity, gender expression, age, marital status, family status, disability, or any other ground protected by applicable law.It is our priority to remove barriers to provide equal access to employment. A Human Resources representative will work with applicants who request a reasonable accommodation during the application process. All information shared during the accommodation request process will be stored and used in a manner that is consistent with applicable laws and Manulife/John Hancock policies. To request a reasonable accommodation in the application process, contact recruitment@manulife.com.Salary &amp; BenefitsThe annual base salary for this role is listed below.Primary LocationBoston, MassachusettsSalary range is expected to be between$114,975.00 USD - $206,955.00 USDIf you are applying for this role outside of the primary location, please contact recruitment@manulife.com for the salary range for your location. The actual salary will vary depending on local market conditions, geography and relevant job-related factors such as knowledge, skills, qualifications, experience, and education/training. Employees also have the opportunity to participate in incentive programs and earn incentive compensation tied to business and individual performance.

Part of the Knowledge team, the Biometric Risk Modelling chapter focuses on biometric risks. Chapter core members goals are to contribute to key projects, train, share knowledge and know-how with chapter members, promote knowledge both internally and externally, and finally, develop knowledge via high level internships and academic partnerships.The Biometric Risk Modelling core members analyse biometric risks with the objective of improving the expertise of teams on this topic and of participating in the growth and profitability of the SCOR group. It provides technical assistance and support to the operating entities of SCOR Global Life, as well as to the Management, regarding risk analysis and pricing at a Group-wide level.With this in mind, the team analyses general statistical or insurance data and develops the scientific methods and tools necessary to estimate these risks. To improve its techniques and estimates, it works in partnership with high-level university researchers. The results of its work are made available to the Biometric Risk Modelling community.More generally, you’ll contribute to animating the community by sharing knowledge on biometric risk related topics.This internship in the Biometric Risk Modelling chapter of SCOR Global Life will give you the opportunity to be involved in actuarial duties with a strong focus on tools for deriving actuarial assumptions and projections of the underlying morbidity (e.g. cancer morbidity) for life and health insurance products.As the scope of the team is world-wide, you will be working on many different countries with a strong focus on Asia Pacific.The Research Intern will have the opportunity to work with experienced actuaries at SCOR Global Life and will be responsible for:<ul><li>Parametric and non-parametric modelling of morbidity assumptions</li><li>Adapting or developing models based on available tools for mortality and morbidity estimation</li><li>Interpretation and analysis of available claims experience and population data and calibrating analytical models to these data</li><li>Developing cloud-based tools for automating analysis process</li></ul>These opportunities will provide you with a very good start for the development of your analytic skillsets and into the actuarial modelling and data analysis for life and health insurance products. It will also provide insights into thinking, strategy and collaboration in a multinational corporations like SCOR.Qualifications<ul><li>Previous work experience or internship in a similar environment is not required but will be preferred</li><li>Strong mathematical and analytic skills</li><li>Hands-on experience in statistical analysis and programming</li><li>Previously worked on similar analytical university/work projects</li><li>Excellent speaking and written skills in English</li></ul>Personal Competencies<ul><li>Motivated and optimistic</li><li>Creative and dynamic</li><li>Strong interpersonal skills</li><li>Proactive and autonomous</li><li>Result oriented</li></ul>Digital Competencies<ul><li>Microsoft office suite</li><li>Experience with statistical and data analytical tools like Python and/or R</li></ul>SCOR, the 4th largest reinsurer in the world, provides insurance companies with a diversified and innovative range of solutions and services to control and manage risk. Leveraging experience and expertise to deliver “The Art &amp; Science of Risk”, SCOR provides cutting-edge financial solutions, analytics tools and services in all areas related to risk – from Life &amp; Health and Property &amp; Casualty insurance to Investments. Our specialized teams operate in over 160 countries, fostering long-term relationships with clients.In order to provide our clients with a broad range of innovative reinsurance solutions, SCOR pursues an underwriting policy that is founded on profitability and supported by effective risk management strategy and a prudent investment policy. This approach allows us to offer clients an optimum level of security, to create value for shareholders, and to contribute to the welfare and resilience of society by helping to protect insureds against the risks they face.At SCOR, we believe that employing people from different backgrounds and ensuring inclusivity is a major driving force for the success of the Group. We are committed to fostering a work environment in which all employees are treated fairly and respectfully, have equal access to opportunities and resources, and can contribute fully to SCOR’s success.

We have an excellent new role which will primarily be Research focussed, though will also require commitments to wider Innovations team projects.Research<ul><li>Lead projects to review key assumptions for UK Protection business e.g. morbidity, mortality and lapse</li><li>Analyse and perform experience analyses on UK market experience</li><li>Take the lead on ad-hoc research projects</li><li>Support the Head of Protection R&amp;D on other tasks</li></ul>Innovation<ul><li>Lead projects within the Innovations team – this may relate to distribution, product development, underwriting or other ad-hoc actuarial/data analysis</li><li>Support the Head of Innovation on on other tasks</li></ul>ResponsibilitiesSome of the key areas of responsibility will be as follows;Research<ul><li>Take responsibility for research projects, to include:</li><li>Project scope</li><li>Seeking feedback from other stakeholders &amp; provide regular progress updates</li><li>Propose a solution that demonstrates a strong technical understanding and industry knowledge</li><li>Challenge existing systems &amp; processes</li><li>Clearly communicate the results</li><li>Take ownership of own work and demonstrate an appetite for learning and development</li><li>Clear, concise and complete documentation</li></ul>Innovation<ul><li>Analyse data provided by clients, in order to more accurately assess business quality/risk for quotes and product development</li><li>Analyse internal data to contribute to MI, profitability analysis, client management and research</li><li>Identify appropriate external research and derive analyses from external data sets</li><li>Identify and help implement new methods of analysis, for example GLMs and machine learning techniques</li></ul>Experience Analysis<ul><li>Take responsibility to do or Peer review Experience analysis (claim and lapse) for the purposes of Research</li><li>Apply a deep understanding of experience analysis to interpret client or market experience</li><li>Be proactive about challenging existing processes and suggest improvements</li></ul>Customer Service<ul><li>Develop relationships and provide excellent customer service, both internally and externally to help deliver SCOR’s strategy</li></ul>Change Management<ul><li>Pro-actively consider different ways of doing things to improve efficiency</li><li>Present suggestions to develop new business opportunities</li><li>Share knowledge with the local team, and where appropriate, across the SCOR Life team</li></ul>QualificationsWe are ideally looking to talk to candidates who have the following skills and experience:<ul><li>Nearly, Newly or Qualified actuary</li><li>Strong knowledge of Microsoft packages (particularly Excel)</li><li>Experience of mortality/morbidity analysis</li><li>Protection experience. Ideally in Pricing or Research</li></ul>About usSCOR, the 4th largest reinsurer in the world, provides insurance companies with a diversified and innovative range of solutions and services to control and manage risk. Leveraging experience and expertise to deliver “The Art &amp; Science of Risk”, SCOR provides cutting-edge financial solutions, analytics tools and services in all areas related to risk – from Life &amp; Health and Property &amp; Casualty insurance to Investments. Our specialized teams operate in over 160 countries, fostering long-term relationships with clients.In order to provide our clients with a broad range of innovative reinsurance solutions, SCOR pursues an underwriting policy that is founded on profitability and supported by effective risk management strategy and a prudent investment policy. This approach allows us to offer clients an optimum level of security, to create value for shareholders, and to contribute to the welfare and resilience of society by helping to protect insureds against the risks they face.At SCOR, we believe that employing people from different backgrounds and ensuring inclusivity is a major driving force for the success of the Group. We are committed to fostering a work environment in which all employees are treated fairly and respectfully, have equal access to opportunities and resources, and can contribute fully to SCOR’s success.

Part of the Knowledge team, the Biometric Risk Modelling chapter focuses on biometric risks. Chapter core members goals are to contribute to key projects, train, share knowledge and know-how with chapter members, promote knowledge both internally and externally, and finally, develop knowledge via high level internships and academic partnerships.The Biometric Risk Modelling core members analyse biometric risks with the objective of improving the expertise of teams on this topic and of participating in the growth and profitability of the SCOR group. It provides technical assistance and support to the operating entities of SCOR Global Life, as well as to the Management, regarding risk analysis and pricing at a Group-wide level.With this in mind, the team analyses general statistical or insurance data and develops the scientific methods and tools necessary to estimate these risks. To improve its techniques and estimates, it works in partnership with high-level university researchers. The results of its work are made available to the Biometric Risk Modelling community.More generally, you’ll contribute to animating the community by sharing knowledge on biometric risk related topics.Despite SCOR covers a large variety Biometric Risk you’ll have a strong focus on Critical Illness risk as it is the principal risk covered in Asia.Responsibilities<ul><li>Parametric and non-parametric modelling of morbidity assumptions</li><li>Adapting or developing models based on available tools for mortality and morbidity estimation</li><li>Interpretation and analysis of available claims experience and population data and fitting the tools to these data</li><li>Assisting on best estimate validation of critical illness insurance products</li></ul>These opportunities will provide you with a very good start for the development of your analytic skillsets and into the actuarial modelling of best estimate assumptions for biometric products. It will also provide insights into thinking, strategy and collaborationin a multinational corporations like SCOR.Qualifications<ul><li>Previous work experience or internship in a similar environment is not required but will be advantageous;</li><li>Strong mathematical and analytic skills;</li><li>Hands-on experience in statistical analysis and programming;</li><li>Previously worked on similar analytical university/work projects;</li><li>Excellent speaking and written skills in English.</li></ul>Personal Competencies:<ul><li>Motivated and optimistic;</li><li>Creative and dynamic;</li><li>Strong interpersonal skills;</li><li>Proactive and autonomous;</li><li>Result oriented;</li></ul>Digital Competencies:<ul><li>Microsoft office suite;</li><li>Experience with statistical and data analytical tools like Python and/or R;</li></ul>About usSCOR, the 4th largest reinsurer in the world, provides insurance companies with a diversified and innovative range of solutions and services to control and manage risk. Leveraging experience and expertise to deliver “The Art &amp; Science of Risk”, SCOR provides cutting-edge financial solutions, analytics tools and services in all areas related to risk – from Life &amp; Health and Property &amp; Casualty insurance to Investments. Our specialized teams operate in over 160 countries, fostering long-term relationships with clients.In order to provide our clients with a broad range of innovative reinsurance solutions, SCOR pursues an underwriting policy that is founded on profitability and supported by effective risk management strategy and a prudent investment policy. This approach allows us to offer clients an optimum level of security, to create value for shareholders, and to contribute to the welfare and resilience of society by helping to protect insureds against the risks they face.At SCOR, we believe that employing people from different backgrounds and ensuring inclusivity is a major driving force for the success of the Group. We are committed to fostering a work environment in which all employees are treated fairly and respectfully, have equal access to opportunities and resources, and can contribute fully to SCOR’s success.

This is a hybrid role. Employees are permitted to telecommute from a home office within normal commuting distance to the Milliman office at 1301 Fifth Ave, Suite 3800, Seattle, WA 98101Job duties:<ul><li>Manage and complete all aspects of actuarial projects to ensure a high-quality output within the proposed deadline.</li><li>Manage various IFRS 17 projects focusing on review of models, various IFRS 17 components such as assumptions, cohorts, CSM, subsequent measurements, loss component, reinsurance, ledger entries, reconciliation between model outputs and seriatim replications and other process related items.</li><li>Implement and review of Variable Annuity program, including quarter-end financial reporting (i.e., Market Consistent Embedded Value, Economic Risk Capital calculations), hedge program methodology, process and reconciliation.</li><li>Provide ad-hoc support for M&amp;A transactions and MG ALFA® conversion projects.</li><li>Engage in active involvement in the Senior Staff Marketing team on various topics such as financial reporting outsourcing and IFRS 17 ALM initiatives; as well as in the R&amp;D team for IFRS 17 related research topics.</li><li>Participate in business development activities to increase revenue for the practice through new and existing clients.</li><li>Conduct research and development projects to establish the practice as a thought leader in the industry.</li><li>Manage, mentor, and develop staff. This may include 1-2 direct team members or managing individuals on a particular project team.</li><li>Conduct necessary administrative tasks associated with running a successful actuarial practice.</li><li>Travel domestically and internationally for work projects up to 3-5% of the time.</li></ul>Required qualifications:<ul><li>Bachelor's degree in actuarial science, mathematics, statistics, or another quantitative STEM field</li><li>Five years of experience as an actuary or closely related role</li><li>Designation as a Fellow of Society of Actuaries (FSA)</li><li>Experience working in each of these areas:</li><ul><li>Life insurance and annuity products.</li><li>Financial reporting</li><li>Actuarial modeling</li><li>Large project management</li><li>Working with actuarial software</li><li>Financial management</li><li>Actuarial product pricing</li><li>Model validation</li><li>Model governance</li></ul><li>Willingness to travel domestically and internationally up to 3-5% of the time.</li></ul>All requirements may have been gained concurrently.Salary:Annual salary range for this role is $147,805 to $197,700.Benefits:At Milliman, we focus on creating an environment that recognizes – and meets – the personal and professional needs of the individual and their family. We offer competitive benefits which include the following based on plan eligibility:<ul><li>Medical, dental and vision coverage for employees and their dependents, including domestic partners</li><li>A 401(k) plan with matching program, and profit-sharing contribution</li><li>Employee Assistance Program (EAP)</li><li>A discretionary bonus program</li><li>Paid Time Off (PTO) starts accruing on the first day of work and can be used for any reason; full-time employees will accrue 15 days of PTO per year, and employees working less than a full-time schedule will accrue PTO at a prorated amount based on hours worked</li><li>Family building benefits, including adoption and fertility assistance and paid parental leave up to 12 weeks for employees who have worked for Milliman for at least 12 months and have worked at least 1,250 hours in the preceding 12-month period</li><li>A minimum of 8 paid holidays</li><li>Milliman covers 100% of the premiums for life insurance, AD&amp;D, and both short-term and long-term disability coverage</li><li>Flexible spending accounts allow employees to set aside pre-tax dollars to pay for dependent care, transportation, and applicable medical needs</li></ul>

This role will mainly focus on bringing the L&amp;H Smart Circles ambition to reality by participating in and becoming a key contributing member to one or multiple workstreams led centrally within PSM. You are expected to bring new ideas within this collaborative setting to identify key risks underlying the America's L&amp;H business and to propose mitigating actions.In addition, you will conduct due diligence on new Large Transactions, onboard new transaction wins and monitor the performance of America's L&amp;H large transactions. You will also support core InForce management activities such as client recaptures, exception requests, changes to treaty terms and conditions, and provide expert knowledge services to the cross functional teams when needed.You will have the opportunity to engage and collaborate with global leaders across the company. The success of these workstreams will enable the effective execution of portfolio steering and management actions that will be critical in delivering our L&amp;H financial targets.About the TeamThis is an exciting opportunity to join the America's Transactions Onboarding and Monitoring team within the L&amp;H Portfolio Steering &amp; Monitoring (PSM) unit. You will work with all levels of actuarial professionals across multiple locations in US and Canada.About YouYou are passionate in bringing new insights in a collaborative setting. We are also looking for individuals who have:<ul><li>5+ years of working experience in L&amp;H reinsurance; Understanding of internal data infrastructure is a plus</li><li>College Degree in Actuarial Science, Mathematics, Statistics, or related field</li><li>Ability to effectively communicate across various level of professionals</li><li>Strong desire for continuous growth and development</li><li>Able to adapt to fluctuating business needs and requirements</li><li>You are attentive, organized, and able to work independently, as needed</li></ul>About Swiss ReSwiss Re is one of the world’s leading providers of reinsurance, insurance and other forms of insurance-based risk transfer, working to make the world more resilient. We anticipate and manage a wide variety of risks, from natural catastrophes and climate change to cybercrime. We cover both Property &amp; Casualty and Life &amp; Health. Combining experience with creative thinking and cutting-edge expertise, we create new opportunities and solutions for our clients. This is possible thanks to the collaboration of more than 14,000 employees across the world.Our success depends on our ability to build an inclusive culture encouraging fresh perspectives and innovative thinking. We embrace a workplace where everyone has equal opportunities to thrive and develop professionally regardless of their age, gender, race, ethnicity, gender identity and/or expression, sexual orientation, physical or mental ability, skillset, thought or other characteristics. In our inclusive and flexible environment everyone can bring their authentic selves to work and their passion for sustainability.Equal opportunities:Swiss Re is an equal opportunity employer. It is our practice to recruit, hire and promote without regard to race, religion, color, national origin, sex, disability, age, pregnancy, sexual orientations, marital status, military status, or any other characteristic protected by law.Decisions on employment are solely based on an individual's qualifications for the position being filled.

The UK Graduate Programme is one of the best ways of starting a career at Hannover Re, the third-largest reinsurer in the world. At Hannover Re, you’ll find we’re not like other reinsurers. We’re more flexible, more innovative, and less afraid to challenge conventional wisdom. We have something different and something more to offer.This unique development opportunity, based at our London office, gives graduates valuable work experience and extensive insights into the wide-ranging day-to-day business and challenging projects of an internationally successful reinsurer with an anticipated start date of autumn 2023.Your Tasks<ul><li>Development opportunities Successful applicants will be given the opportunity to rotate through key departments according to business needs such as:</li><ul><li>Biometric Research</li><li>Business Development</li><li>Corporate Actuarial</li></ul><li>Business Development Mutually profitable long-term partnerships are at the heart of our business development strategy. From engaging directly with clients to pricing new opportunities, graduates will support us in delivering a wide range of innovative solutions and services. Focusing on one of three areas, protection, longevity or financial solutions, graduates will gain a range and depth of experience using the latest actuarial and data science techniques.</li><li>Biometric Research We believe better intelligence supports better decisions – which is why our Biometric Research department is known for the scope and quality of its medical and market research. Graduates will learn the value of data, using the latest research in health and medicine to price more accurately and manage our risks.</li><li>Corporate Actuarial By putting a value on our business, graduates will learn what really drives our profitability. We use the latest actuarial modelling software to project future cash flows of our business for reporting, and to provide management information used to steer our business. Graduates will also help to ensure we are ahead of the latest regulatory and accounting developments.</li></ul>Your ProfileThe four-year programme is aimed at attracting talented graduates (including those about to graduate) with a minimum of an upper second class (2:1) degree in a mathematical subject and a keen interest in taking ownership of our company's success from the start.What We Offer<ul><li>Atmosphere: You will find an international working environment with short decision channels, an open feedback culture and a sense of community shaped by mutual esteem and a readiness to help.</li><li>Benefits: Structured onboarding, flexible working hours, benefits superior to those of the collective agreement as well as modern offers for personal development, health management and work-life balance are just some of our benefits.</li><li>Prospects: You contribute your specialist and methodological expertise and we offer you fresh input and the opportunity to further develop your potential – including room to come up with innovative ideas and act on them!</li></ul>Applications close on Friday 28 July 2023.

This challenging role is in the longevity research team. SCOR’s Global Longevity team is growing rapidly. It’s commercial activities are expanding to include new markets and new products. This requires the support of a research team that can produce commercially viable and actuarially sound assumptions in new and changing environments.<ul><li>Supporting research and ongoing development of pricing bases for longevity pricing and valuation for pension schemes, individual annuities, medically underwritten annuities, and other products as required. The role will include exposure to global longevity markets.</li><li>Support all aspects of understanding, pricing and managing longevity insurance risks, enhancing SCOR’s ability to write profitable new business.</li><li>Adopt an agile and collaborative approach so that knowledge is widely shared and built into SCOR’s pricing.</li><li>Support pricing of longevity tenders which will include experience analysis, proposal of basis and rate production with supporting documentation.</li><li>Assist in the development of other team members, especially junior colleagues.</li><li>Establish strong working relationships with SCOR colleagues both within and outside the Longevity Team, clients and industry contacts.</li></ul>There will also be opportunity to gain exposure to all other aspects of longevity work so that the successful applicant can develop wider knowledge and skills.This role would suit a nearly or newly qualified actuary, or a candidate who has experience in demographic research roles.Responsibilities<ul><li>Deliver pricing bases that enable SCOR to write profitable new longevity business and develop its product offering.</li><li>Keep abreast of major developments in the Longevity research field and Global Longevity markets.</li><li>Ensure pertinent information is identified and used appropriately in quantifying expected mortality.</li><li>Manage the analysis of ONS data, medical research papers, experience data and any other data identified to ensure the methodology is technically sound the results are pertinent and reliable.</li><li>Ensure analyses are sufficiently documented to be checked and reproduced, and the results disseminated to SCOR colleagues. Provide suitable rationale and, wherever possible, implement quantitative methods to convert the analysis results to underwriting rules.</li><li>Recommend mortality underwriting rules which reflect the risks without margins for prudence are configured to optimise SCOR’s competitive position follow from the analyses.</li><li>Work with clients and with colleagues in different markets, and in SCOR’s central research areas, to share expertise and coordinate activities.</li></ul><ul><li>Liaise with technical experts in SCOR Global Life to share expertise, coordinate activities and ensure SCOR presents a coherent view of the risks inherent in annuities.</li><li>Monitor industry wide developments in pricing to ensure SCOR remains competitive and appropriate.</li><li>Support team development. Develop the expertise and wider skills of junior team members and educate non-specialists.</li><li>Promote the Longevity Team’s technical expertise, internally and externally.</li></ul><ul><li>Support quote production where the Pricing basis requires adjustment.</li><li>Take part in quote production when required to support SCOR’s new business ambitions.</li></ul>Qualifications<ul><li>Experience of producing of technical actuarial work.</li><li>Experience analysis, pricing or valuation of annuities or pensions.</li><li>Educated to degree level with excellent academic record.</li><li>Good understanding and direct experience of practical application of actuarial principles.</li><li>Actuarial qualification or equivalent.</li><li>Excellent technical modelling skills.</li><li>Good communication and interpersonal skills.</li><li>Good planning and work management skills.</li><li>Ability to use analytical skills combined with sound judgement and commercial awareness.</li><li>Experience of manipulating and analysing large, complex datasets.</li><li>Experience of setting longevity, mortality or morbidity assumptions.</li><li>Understanding of pension schemes.</li><li>Existing contacts in the pensions bulk annuity or longevity risk industries.</li></ul>About usSCOR, the 4th largest reinsurer in the world, provides insurance companies with a diversified and innovative range of solutions and services to control and manage risk. Leveraging experience and expertise to deliver “The Art &amp; Science of Risk”, SCOR provides cutting-edge financial solutions, analytics tools and services in all areas related to risk – from Life &amp; Health and Property &amp; Casualty insurance to Investments. Our specialized teams operate in over 160 countries, fostering long-term relationships with clients.At SCOR, we believe that employing people from different backgrounds and ensuring inclusivity is a major driving force for the success of the Group. We are committed to fostering a work environment in which all employees are treated fairly and respectfully, have equal access to opportunities and resources, and can contribute fully to SCOR’s success.

Key Accountabilities<ul><li>Lead the India Pricing Team in Bangalore by ensuring effective prioritisation and allocation of work, satisfactory engagement of the team members and monitoring delivery timelines.</li><li>Support the pricing actuaries in pricing treaties for India market; initial responsibilities will focus on Open Treaty Reviews (i.e. existing treaties open for new business)</li><li>Provide Quote support/advisory recommendation for India market for various Lines of Business.</li><li>Provide support in maintenance of pricing Terms of Trade.</li><li>Support/Lead the Pricing actuaries in any local/regional projects as required.</li><li>Support ES requirements for the region.</li><li>Work effectively with a cross-functional team of experts from client markets, underwriting, and claims towards assessing the risks associated with a treaty or opportunity;</li><li>Provide technical, research and project management input for product development initiatives and pricing policy across all business lines in the Life &amp; Health space;</li><li>Always ensuring the adherence to pricing guidelines and standard methodologies, and their consistent application.</li></ul>Key Skills &amp; Knowledge<ul><li>Excellent technical knowledge in all areas of pricing and product development;</li><li>Fundamental understanding and knowledge of the India(preferred) insurance and reinsurance industry and knowledge of the main products and services offered by various insurance and reinsurance companies.</li><li>Ability to use sound actuarial judgement in a commercial environment;</li><li>Good understanding of relevant actuarial best practices;</li><li>Organization, prioritization and planning skills.</li><li>Knowledge of actuarial L&amp;H modelling and data analytical software's.</li><li>Mentorship and guidance of the junior team members</li></ul>Candidate Requirements<ul><li>Nearly qualified/ Qualified Actuary from any recognised actuarial body (IAI, IFoA, CAS, SOA).</li><li>Strong technical insurance/reinsurance experience, with 5+ years actuarial experience, ideally on India markets</li><li>Experience in actuarial product design, pricing &amp; ES, including application of any actuarial pricing tools. This will be an added advantage.</li><li>Excellent interpersonal, communication and influencing skills.</li><li>Leadership and management experience preferred</li></ul>About Swiss ReSwiss Re is one of the world’s leading providers of reinsurance, insurance and other forms of insurance-based risk transfer, working to make the world more resilient. We anticipate and manage a wide variety of risks, from natural catastrophes and climate change to cybercrime. We cover both Property &amp; Casualty and Life &amp; Health. Combining experience with creative thinking and cutting-edge expertise, we create new opportunities and solutions for our clients. This is possible thanks to the collaboration of more than 14,000 employees across the world.Our success depends on our ability to build an inclusive culture encouraging fresh perspectives and innovative thinking. We embrace a workplace where everyone has equal opportunities to thrive and develop professionally regardless of their age, gender, race, ethnicity, gender identity and/or expression, sexual orientation, physical or mental ability, skillset, thought or other characteristics. In our inclusive and flexible environment everyone can bring their authentic selves to work.

Your role at a glanceWe have a fantastic role for a Qualified Actuary to join our Retail Protection team as a Modelling and Research Actuary. In this role you will assist in the delivery of the data analytics capability and strategy for L&amp;G Retail Commercial by working closely with IT &amp; Change to ensure successful delivery of data sets, software, tooling, and infra-structure.You will also propose, design and implement analytical models and pricing assumptions for RP Commercial using the latest statistical models and techniques to help improve business processes in order to achieve divisional objectives. This is a Hybrid Working opportunity based from our London Offices, which will give you the freedom to find a work/life balance that suits you.What you'll be doing<ul><li>Providing ideas and solutions to complex business issues by delivering advanced analytic capabilities. This will be achieved by designing and implementing complex analytical models, scoping business requirements and future proofing data sources.</li><li>Ensuring data integrity by implementing, monitoring and controlling the appropriate levels of data integrity for the purpose of analysis. As well as seeking improvements to data quality, by contributing to system developments and by working with internal &amp; external customers.</li><li>Developing a suite of underwriting and pricing tools in order to create an assumption basis and reporting framework, including best practice guidelines, for RP Commercial Pricing.</li><li>Providing concise, clear and well communicated summaries of all analysis and present these findings to key stakeholders and at committees to achieve sign-off for proposals. You will also provide ongoing education to stakeholders to ensure quality decisions are made based off this analysis.</li><li>Mentoring and managing junior employees within the Analytics and Risk Modelling team, in a manner that is consistent with the Company’s policies and procedures and in respect of an inclusive culture, including the Partnership Agreement, to maximise the performance of the area.</li><li>Providing advice and guidance to colleagues including (where required) providing coaching and development of others such that specialist skills are developed and deployed throughout the organisation. You will also work closely with other Data Analytics / Actuarial teams and share experiences and knowledge to create a community of best practice.</li></ul>What we're looking for<ul><li>A qualified actuary with relevant work experience</li><li>Significant knowledge and experience of experience analysis and claims trend work.</li><li>Ability to build bases from first principles</li><li>Working knowledge of UK Life Insurance products and reinsurance market.</li><li>Skilled in statistical and modelling programmes such as R, Emblem and other open source technologies (e.g. Python) as well as Data visualisation software such as Tableau / PowerBI.</li><li>Commercial acumen with an ability to spot opportunities to improve business processes and deliver increased net business value add.</li><li>Practical experience conducting experience analyses and building bases.</li><li>Excellent report writing ability.</li><li>Project management skills - with the ability to lead initiatives from initial analysis through to final implementation.</li><li>Ability to build and maintain strong relationships with senior stakeholders.</li><li>Strong analytical and problem-solving skills.</li></ul>BenefitsWhen you commit to Legal &amp; General, we’ll commit to you too. That means we’ll recognise and reward your hard work, your performance and your contribution. If you join us, you’ll get access to some great benefits, including private medical insurance, 27 days holiday (excluding bank holidays), a generous pension scheme, life assurance, and Income Protection.You'll receive a car allowance of 12% of your annual salary, and you can participate in our electric car scheme, which offers employees the option to hire a brand new electric car through tax efficient salary sacrifice. We’re also proud to offer competitive family leave. You’ll have the opportunity to participate in our annual, performance-related bonus plan and valuable share schemes.And then there are the many discounts we offer that you can take advantage of – both for our own products and at a range of high street stores and online offerings.About L&amp;GThe brand with the brolly is choosing today to change tomorrow. Since 1836, we’ve grown to become one of the world's largest asset managers, homebuilders, pension providers and insurance brands. We’re all here to improve the lives of our customers, build a better society for the long term, and create value for our shareholders - helping to shape a better future for society and the planet. We need people who share our ambitions, agility and entrepreneurial spirit to help us do it.At L&amp;G, you’ll find a balance that helps you be your best. Empowered by hybrid working, we’re supported by technology and workplaces that enable us to work effectively wherever we are. We come together in offices to collaborate and connect, and use time at home for individual, focused activities. And, when we achieve great things, we celebrate our success and reward strong performance.Today, there’s over 10,000 of us, working towards our mission, with plenty of opportunities to grow your career as we grow L&amp;G. Will you join us?About the business areaLife can sometimes be unpredictable, and it pays to plan ahead. Our aim at Legal &amp; General Retail is to help our customers plan for the unexpected, achieve financial security for their tomorrow, and protect everything that’s important to them. To better understand our customers and meet their needs, we’ve brought our protection, retirement income, savings, lending and advice, fintech and mortgage businesses under one umbrella.Created at the start of 2022 through the merging of our long-standing and trusted retail retirement and insurance businesses, we’re a fast-growing division with big, customer-centered ambitions.Our commitment to Equal OpportunitiesGreat minds don’t have to think alike, so we welcome voices from all backgrounds. Bringing together people with different life experiences helps us build empathy with our customers and drive innovation. We don’t just talk about it, we actively promote diversity and equitable opportunities for all. That means our employment decisions are made without regard to race, colour, religion, national or ethnic origin, sex, sexual orientation, gender identity or expression, age, disability or protected veteran status.In fact, we embrace every dimension of diversity to reflect the customers and communities we serve. We think it’s important to create an inclusive environment where we can all belong, contribute and drive progress, where you can develop and grow, and be empowered. We want you to use your voice to help us build a better tomorrow. We all work differently, and have different needs, which is why we’re always open to discussing flexible working arrangements. Likewise, we’re committed to finding reasonable accommodations for candidates with specific needs during our recruiting process.So whoever you are, wherever you are, whatever your story, we'd love to hear from you.

Transamerica will begin reporting earnings under IFRS 9 and IFRS 17 for the first time beginning with Q1 2023. The Transamerica IFRS 17 team has worked for several years to get ready for this event. However, the project will continue well beyond Q1 2023:<ul><li>Training management and various teams throughout Transamerica on IFRS 17</li><li>Refining IFRS 17 methodologies and assumptions</li><li>Helping understand and tell the earnings “story” under IFRS 17</li><li>Making “on-top” adjustments to overcome current tooling limitations</li><li>Problem-solving: consulting with product actuaries, reporting accountants, the hedge team, and tax accountants to help solve questions or issues that may arise during the early quarters of IFRS 17 reporting</li><li>Projecting earnings and developing “rules of thumb” for helping management understand the expected pattern of earnings and the risks</li></ul>This position will run sensitivities and what-if analyses, support medium-term earnings projections, assist getting the operational risk adjustment model up and running and supporting taking it through Model Validation, perform data queries and other quantitative analysis to support the IFRS 17 team. In addition, this person will serve as a back-up for the Transitional Tool Suite model owner (which is used for computing and projecting earnings and balance sheet results under IFRS 17).Responsibilities:<ul><li>Coordinates, prepares, and performs actuarial analyses to provide management with sensitivity analyses, what-if scenarios, medium-term earnings projections.</li><li>Assists getting the operational risk adjustment model up and running and supporting taking it through Model Validation.</li><li>Performs data queries and other quantitative analysis to support the IFRS 17 team.</li><li>Prepares actuarial portion of financial reports or other documents.</li><li>May develop, maintain and document computer-based programs, Sarbanes-Oxley procedures and model validation.</li><li>Maintains documentation of actuarial research and analyses.</li><li>Provides consultation and clarification on actuarial models and risk issues.</li><li>Coordinates and directs special actuarial projects.</li></ul>Qualifications:<ul><li>Bachelor's Degree in Actuarial Science, Mathematics, Statistics, Economics or related field and 5 years of relevant experience.</li><li>In lieu of Bachelor's, will accept Master's in a listed discipline and 3 years of relevant experience.</li><li>ASA or equivalent professional designation.</li><li>Demonstrates high quality judgment, organization and prioritization skills.</li><li>Effectively communicates, both verbally and in writing, advanced mathematical and analytical concepts to various audiences.</li><li>Works well under pressure and within time constraints to effectively accomplish individual and team objectives.</li><li>Advanced computer skills.</li></ul>Preferred Qualifications:<ul><li>Programming skills.</li><li>Demonstrated attention to detail, audit-worthy processes, and clear documentation.</li></ul>Working Conditions:<ul><li>Normal office or work from home environment.</li><li>Limited travel may be required.</li></ul>Compensation:Please note that the compensation information that follows is a good faith estimate for this position only and is provided pursuant to applicable pay transparency and compensation posting laws. It is estimated based on what a successful candidate might be paid in certain Company locations.The Salary for this position generally ranges between $91,000-$114,000 annually. This range is an estimate, based on potential qualifications and operational needs. Salary may vary above and below the stated amounts, as permitted by applicable law.Bonus Eligibility:This position is also typically eligible for an Annual Bonus based on the Company Bonus Plan/Individual Performance and is at Company Discretion.Equal Opportunity Employer:Transamerica Life Insurance Company is an Equal Employment Opportunity employer and does not discriminate against any applicant or employee because of age, religion, sex, gender identity, genetic information, race, color, national origin, pregnancy, sexual orientation, marital status, participation in the uniformed services (e.g. U.S. Armed Forces, National Guard), physical or mental disability, or any other status protected by federal, state, or local equal employment opportunities laws.

We have a fantastic role for a Qualified Actuary to join our Retail Protection team as a Modelling and Research Actuary. In this role you will assist in the delivery of the data analytics capability and strategy for L&amp;G Retail Commercial by working closely with IT &amp; Change to ensure successful delivery of data sets, software, tooling, and infra-structure.You will also propose, design and implement analytical models and pricing assumptions for RP Commercial using the latest statistical models and techniques to help improve business processes in order to achieve divisional objectives. This is a Hybrid Working opportunity which can be based from either our Hove or London Offices, which will give you the freedom to find a work/life balance that suits you.What you'll be doing<ul><li>Providing ideas and solutions to complex business issues by delivering advanced analytic capabilities. This will be achieved by designing and implementing complex analytical models, scoping business requirements and future proofing data sources.</li><li>Ensuring data integrity by implementing, monitoring and controlling the appropriate levels of data integrity for the purpose of analysis. As well as seeking improvements to data quality, by contributing to system developments and by working with internal &amp; external customers.</li><li>Developing a suite of underwriting and pricing tools in order to create an assumption basis and reporting framework, including best practice guidelines, for RP Commercial Pricing.</li><li>Providing concise, clear and well communicated summaries of all analysis and present these findings to key stakeholders and at committees to achieve sign-off for proposals. You will also provide ongoing education to stakeholders to ensure quality decisions are made based off this analysis.</li><li>Mentoring and managing junior employees within the Analytics and Risk Modelling team, in a manner that is consistent with the Company’s policies and procedures and in respect of an inclusive culture, including the Partnership Agreement, to maximise the performance of the area.</li><li>Providing advice and guidance to colleagues including (where required) providing coaching and development of others such that specialist skills are developed and deployed throughout the organisation. You will also work closely with other Data Analytics / Actuarial teams and share experiences and knowledge to create a community of best practice.</li></ul>What we're looking for<ul><li>A qualified actuary with relevant work experience</li><li>Significant knowledge and experience of experience analysis and claims trend work.</li><li>Ability to build bases from first principles</li><li>Working knowledge of UK Life Insurance products and reinsurance market.</li><li>Skilled in statistical and modelling programmes such as R, Emblem and other open source technologies (e.g. Python) as well as Data visualisation software such as Tableau / PowerBI.</li><li>Commercial acumen with an ability to spot opportunities to improve business processes and deliver increased net business value add.</li><li>Practical experience conducting experience analyses and building bases.</li><li>Excellent report writing ability.</li><li>Project management skills - with the ability to lead initiatives from initial analysis through to final implementation.</li><li>Ability to build and maintain strong relationships with senior stakeholders.</li><li>Strong analytical and problem-solving skills.</li></ul>BenefitsWhen you commit to Legal &amp; General, we’ll commit to you too. That means we’ll recognise and reward your hard work, your performance and your contribution. If you join us, you’ll get access to some great benefits, including private medical insurance, 27 days holiday (excluding bank holidays), a generous pension scheme, life assurance, and Income Protection.You'll receive a car allowance of 12% of your annual salary, and you can participate in our electric car scheme, which offers employees the option to hire a brand new electric car through tax efficient salary sacrifice.We’re also proud to offer competitive family leave. You’ll have the opportunity to participate in our annual, performance-related bonus plan and valuable share schemes. And then there are the many discounts we offer that you can take advantage of – both for our own products and at a range of high street stores and online offerings.About L&amp;GThe brand with the brolly is choosing today to change tomorrow. Since 1836, we’ve grown to become one of the world's largest asset managers, homebuilders, pension providers and insurance brands.We’re all here to improve the lives of our customers, build a better society for the long term, and create value for our shareholders - helping to shape a better future for society and the planet. We need people who share our ambitions, agility and entrepreneurial spirit to help us do it.At L&amp;G, you’ll find a balance that helps you be your best. Empowered by hybrid working, we’re supported by technology and workplaces that enable us to work effectively wherever we are. We come together in offices to collaborate and connect, and use time at home for individual, focused activities. And, when we achieve great things, we celebrate our success and reward strong performance.Today, there’s over 10,000 of us, working towards our mission, with plenty of opportunities to grow your career as we grow L&amp;G. Will you join us?About the business areaLife can sometimes be unpredictable, and it pays to plan ahead. Our aim at Legal &amp; General Retail is to help our customers plan for the unexpected, achieve financial security for their tomorrow, and protect everything that’s important to them.To better understand our customers and meet their needs, we’ve brought our protection, retirement income, savings, lending and advice, fintech and mortgage businesses under one umbrella. Created at the start of 2022 through the merging of our long-standing and trusted retail retirement and insurance businesses, we’re a fast-growing division with big, customer-centered ambitions.Our commitment to Equal OpportunitiesGreat minds don’t have to think alike, so we welcome voices from all backgrounds. Bringing together people with different life experiences helps us build empathy with our customers and drive innovation.We don’t just talk about it, we actively promote diversity and equitable opportunities for all. That means our employment decisions are made without regard to race, colour, religion, national or ethnic origin, sex, sexual orientation, gender identity or expression, age, disability or protected veteran status.In fact, we embrace every dimension of diversity to reflect the customers and communities we serve. We think it’s important to create an inclusive environment where we can all belong, contribute and drive progress, where you can develop and grow, and be empowered. We want you to use your voice to help us build a better tomorrow.We all work differently, and have different needs, which is why we’re always open to discussing flexible working arrangements. Likewise, we’re committed to finding reasonable accommodations for candidates with specific needs during our recruiting process. So whoever you are, wherever you are, whatever your story, we'd love to hear from you.

Job DescriptionSCOR’s Global Longevity team is already a leader in the longevity reinsurance market. We have developed expertise in the UK bulk de-risking market over the past decade providing longevity protection to insurers and pension schemes to help them keep their financial promises to annuitants and pensioners.We have also developed expertise in the individual annuity market with a focus on the use of medical underwriting and our technical knowhow enables us to price longevity for a range of different health conditions at retirement. Our success has not been limited to the UK market as we have also played a pioneering role in international territories in Europe and North America.<ul><li>Contributing to all aspects of understanding, pricing and managing longevity reinsurance risks, enhancing SGL Global Longevity team’s ability to write profitable new business.</li><li>Lead the production of technical pricing for Longevity tenders which includes experienced analysis, proposal of basis, rate production, KPI metrics, and supporting documentation.</li><li>Support the Head of Pricing on business referrals with Group sign-off teams based in Paris, Cologne and Ireland.</li><li>Support new business execution.</li><li>Lead the technical development of new products/ propositions.</li><li>Manage the maintenance and development of Longevity pricing processes and tools.</li><li>Lead or support research and ad-hoc projects.</li><li>Assist in the development of junior team members.</li></ul>Responsibilities<ul><li>Lead the production of quote tenders including the production of quote pricing basis (base table, improvements, marriage assumptions and KPI metrics).</li><li>Produce accurate rates within specified timeframes and accurate documentation to support quotes.</li><li>Ensure pricing basis conforms with SCOR Global Life Annuity pricing guidelines and that key pricing issues/ risks are highlighted early.</li><li>Support new business execution.</li></ul><ul><li>Manage the maintenance and development of Longevity pricing processes and tools to improve the accuracy, efficiency and insight gained from process outputs.</li><li>Pro-actively suggest improvements to the pricing processes and tools.</li><li>Ensure process updates are managed in a compliant and documented manner.</li></ul><ul><li>Lead the technical development of new products/ propositions.</li></ul><ul><li>Lead/ assist Longevity research projects.</li><li>Assist ongoing innovation of pricing basis which enable SCOR to write profitable new business and develop its product offering.</li></ul><ul><li>Develop client and internal relationships and provide excellent customer service, to help deliver the Longevity team’s objectives.</li><li>Promote team’s technical expertise, internally and externally, help develop team member and educate internal non specialists as necessary.</li></ul>Qualifications<ul><li>Qualified Actuary.</li><li>Educated to degree level with excellent academic track record or equivalent experience.</li></ul>About usSCOR, the 4th largest reinsurer in the world, provides insurance companies with a diversified and innovative range of solutions and services to control and manage risk. Leveraging experience and expertise to deliver “The Art &amp; Science of Risk”, SCOR provides cutting-edge financial solutions, analytics tools and services in all areas related to risk – from Life &amp; Health and Property &amp; Casualty insurance to Investments. Our specialized teams operate in over 160 countries, fostering long-term relationships with clients.In order to provide our clients with a broad range of innovative reinsurance solutions, SCOR pursues an underwriting policy that is founded on profitability and supported by effective risk management strategy and a prudent investment policy. This approach allows us to offer clients an optimum level of security, to create value for shareholders, and to contribute to the welfare and resilience of society by helping to protect insureds against the risks they face.At SCOR, we believe that employing people from different backgrounds and ensuring inclusivity is a major driving force for the success of the Group. We are committed to fostering a work environment in which all employees are treated fairly and respectfully, have equal access to opportunities and resources, and can contribute fully to SCOR’s success.

As a global reinsurer we assume risks from other insurers and work with them to develop innovative products. Some 3,000 experts worldwide from a range of specialist disciplines devote their know-how and passion for their profession to strengthening and expanding our excellent market position on a daily basis. By taking an assuredly different approach to their work, they make us one of the most profitable reinsurance groups in the world.If you want to experience how things are done at Hannover Re UK Life Branch, London, start planning your next career step with us and join the team on a temporary, full-time basis for our four-year programme commencing at the earliest possible date as a Graduate Actuarial Analyst.Your Tasks<ul><li>The four-year programme is aimed at attracting talented graduates (including those about to graduate) with a minimum of an upper second class (2:1) degree in a mathematical subject and a keen interest in taking ownership of our company's success from the start.</li><li>Successful applicants will be given the opportunity to rotate through key departments according to business needs such as:</li><ul><li>Biometric Research</li><li>Business Development</li><li>Corporate Actuarial</li></ul><li>Mutually profitable long-term partnerships are at the heart of our business development strategy. From engaging directly with clients to pricing new opportunities, graduates will support us in delivering a wide range of innovative solutions and services.</li><li>Focusing on one of three areas, protection, longevity or financial solutions, graduates will gain a range and depth of experience using the latest actuarial and data science techniques.</li></ul>Biometric ResearchWe believe better intelligence supports better decisions – which is why our Biometric Research department is known for the scope and quality of its medical and market research. Graduates will learn the value of data, using the latest research in health and medicine to price more accurately and manage our risks.Corporate ActuarialBy putting a value on our business, graduates will learn what really drives our profitability. We use the latest actuarial modelling software to project future cash flows of our business for reporting, and to provide management information used to steer our business. Graduates will also help to ensure we are ahead of the latest regulatory and accounting developments.Your Profile<ul><li>A minimum of an upper second class (2:1) degree in a mathematical subject</li></ul>What We Offer<ul><li>Atmosphere: You will find an international working environment with short decision channels, an open feedback culture and a sense of community shaped by mutual esteem and a readiness to help.</li><li>Benefits: Structured onboarding, flexible working hours, benefits superior to those of the collective agreement as well as modern offers for personal development, health management and work-life balance are just some of our benefits.</li><li>Prospects: You contribute your specialist and methodological expertise and we offer you fresh input and the opportunity to further develop your potential – including room to come up with innovative ideas and act on them!</li></ul>

The role as an intern may include but is not limited to providing support on Life Insurance consulting projects, as well as research and marketing materials.Qualifications:<ul><li>Education</li><li>Experience</li><li>Licenses &amp; Certifications</li></ul>

<div>You are an actuary that is passionate about experience studies and making data driven assumptions about what will happen in the future. As a Manager & Actuary in Biometric Research, you will get the opportunity to work with some of the largest insurance datasets in the North American industry, lead experience studies, assumption development and perform research in the individual life, critical illness, disability and long term care lines of business.  You will report to a Director of Studies and Assumptions in the Toronto office, have actuarial associates assist you with your projects and get opportunities to share your insights with the different actuarial teams and senior management.Offer:Individual Insurance and Group Long Term Disability Business Lines<ul><li>Leads North American mortality/morbidity/lapse experience studies and assumption development.</li><li>Continually reviews and improves the experience analysis and assumption development processes.</li><li>Supports the Canadian pricing and in-force management teams by providing mortality/morbidity/lapse assumptions for new business quotes and in-force transactions.</li><li>Supports the Enterprise Risk Management team by assisting with development of economic capital models for biometric risks.</li><li>Participates in North American and Global Biometric Research initiatives.</li><li>Provides actuarial and research support for underwriting.</li><li>Provides peer reviews for other team members.</li></ul>Stakeholder Relationship and Project Management<ul><li>Builds and maintains strong relationships with key internal stakeholders in the development and execution of assumptions and experience studies.</li><li>Addresses the needs of internal clients in a timely manner and is viewed as their business partner, not just a provider of services.</li><li>Develops strong and trusting relationships with key decision makers.</li><li>Clearly communicates the experience study stories and rationale behind assumptions developed.</li></ul>Profile:<ul><li>University Degree in Actuarial Science, Finance, Statistics, or Mathematics.</li><li>FSA and/or FCIA designation.</li><li>5-10+ years experience in the individual insurance/reinsurance industry.</li><li>Demonstrated ability to effectively manage projects.</li><li>Strong analytical and financial modeling skills.</li><li>Strong ability to establish and maintain effective interpersonal relationships with clients and co-workers.</li><li>Excellent communication skills as demonstrated in general conversation, clear, complete responses to internal and external clients, formal presentations and written documents.</li><li>Superior attention to detail and accuracy.</li><li>Strong problem solving and organization skills.</li><li>Demonstrated flexibility and effectiveness working under tight timelines.</li><li>Demonstrated ability to adapt in a dynamic environment.</li><li>Proficient designing and using spreadsheets/tables to perform computations and analysis.</li><li>Knowledge of Excel, SQL, PowerPoint, Moody’s AXIS and R is preferred.</li></ul>Together, we engage with everything we have and are, to help humankind act braver and better.As the world’s leading reinsurance company with more than 40,000 employees in over 50 locations around the globe, Munich Re introduces a paradigm shift in the way you think about insurance.  By turning uncertainty into manageable risk, we enable fundamental change.  We recognize Diversity, Inclusion, and Belonging as a key priority with a culture that welcomes different thoughts and opinions.  We dare to think big and are continuously innovating on behalf of our clients.Our data, our technology, and our teams place us in a unique position to drive transformative change in the life insurance industry.  We invest strategically in our world class talent, offering our employees a work experience that promotes professional development, innovation, and rewards high performance.Munich Re Canada is committed to providing a work environment that is inclusive and free of employment barriers and discrimination. Accommodations will be made for qualified applicants with a disability throughout the recruitment process.  If you receive a request for an interview and you have a disability which will require an accommodation to support your participation, please consult with Human Resources or contact AODARequestHR@munichre.ca as soon as practical so that suitable accommodations can be arranged.</div>

Life Actuary Jobs and Career Opportunities in the Life Sector