Financial Risk Manager/Part Qualified Actuary - Royal London Edinburgh
(2017-02)
- Contribute to the risk-based supervision of the firm's Solvency II internal model through membership of the Internal Model Working Group and Governance Committee, providing oversight, challenge, and strategic input.
- Support the development, enhancement, and validation of the insurance risk framework, including model improvements across market, credit, operational, and catastrophic risk.
- Conduct stress testing, sensitivity analysis, and scenario modelling to assess capital adequacy, financial soundness, and model performance under various economic conditions.
- Analyse macro and micro-level economic indicators, industry trends, and emerging risks to assess their impact on long-term insurance portfolios and solvency positions.
- Translate complex actuarial and risk outputs into clear management information for senior executives and board committees to support strategic, risk, and capital decisions.
- Lead and deliver training for board members, improving understanding of risk models, regulatory expectations, and Solvency II governance requirements.
- Perform detailed model validation and due diligence, ensuring robust methodologies, accurate data, reconciliation of results, and alignment with regulatory standards.
- Conduct peer comparisons and industry reviews, identifying emerging risks and benchmarking model performance against best practice.
- Collaborate across actuarial, finance, and risk teams to ensure appropriate monitoring, early identification of issues, and effective escalation of risk trends.
- Support internal governance reviews, contributing to policy development, control enhancements, and alignment with regulatory expectations.
- Engage with senior stakeholders, committees, and cross-functional teams, mirroring the supervisory style required by regulatory authorities.
- People manager to 2 colleagues providing guidance and leadership to the future actuaries and risk managers.
Consultant in Insurance and Investment - PricewaterhouseCoopers
(2012-02 - 2017-02)
- As part of the data assurance team I provide assurance around complex calculations for clients that are material to their business function.
- Providing advice around data governance and processes
- Provide assistance to companies in presenting the Management information better through various tools namely Tableau and QlikView
- Understanding a business problem and using data analytics to solve the problem
- Gathering business requirements and create effective reporting models.
- Helping businesses review and improve existing processes
- Ability to collect, mine, analyse and communicate complex data in SQL, SAS, SPSS, Excel
- Producing high quality management information reports from multiple data sources to a wide range of stakeholders internal and external
- Providing consulting advice on implementing risk management process to large corporations.
- Implementing enterprise risk management in firms.
- Performed model validations for insurance companies for compliance purposes, including governance of the model and data.
- Advising clients on capital management in conjunction with risk management and solvency II.
- Reviewing potential operational risk failures in businesses including third parties failure.
- Helping firms to design models that would help them in capital allocation.
- Implementation of GRC software in companies
- Consulting companies on how to improve their operational risk with in organizations, including setting up of loss data collection, risk registers scenario analysis and capital modelling.
- Helping clients improve modelling in SPSS and SAS.
- Providing project management function to small teams leading assignments
- Providing support as a people manager function to a number of employees across business lines
Investor relations analyst - Resolution PLC
(2011-09 - 2012-02)
- Develop initial drafts of investor presentations.
- Analyse competitor performance to create industry trend reports for the CEO, CFO, and the board of directors.
- Develop and maintain effective relationships with research analysts, institutional investors, debt investors and in some case, financial journalists and regulators
- Actively track market views through published research and provide structured feedback to management
Statistical- Analyst/Consultant - Association of British Insurers
(2010-03 - 2011-09)
- Designing and managing analysis of insurance related data in SPSS and SAS, to understand the deviation from the industry norms, also benchmarking data explaining different root causes.
- Modelling of operational risk data, using Bayesian methods to model the size and severity of future operational losses.
- Providing statistical support to members of the association by explaining trends and analysis in and easy to understand fashion.
- Provide non-routine analysis of data to identify underlying problems and trends.
- Conducting large amounts of research on the insurance sector to determine industry standards, deviations and the underlying behaviour driving counter cyclical outcomes for specific insurance companies or classes on insurance entity.
- Managing and mentoring the junior members of the team
Risk Analyst - Leaseplan
(2009-05 - 2010-03)
- Managing investment strategy and trigger buy and sell positions for car lease entity to ensure leasing and holding match its risk appetite.
- Forecasting the future values of vehicles, and the utilization of cars to optimize sales strategy.
- Managing the asset structure of the portfolio to match both market demand and the associated securitization strategy.
Statistical Analyst/Consultant - Airclaims/Ascend Group
(2006-09 - 2009-05)
- Analysis conducted on planes to enable a bank to develop an investment and leasing strategy for an aircraft portfolio.
- Analysis of different classes of aviation to derive value for money studies to re the purchase aircraft.
- Performed financial model validations for a bank for compliance purposes, including governance of the model and data.
- Analysis of data and forecasting future values and lease rates using regression analysis.
- Designed a model to investigate the volatility of actual versus forecasted risk weighted assets.
- Valuations of leasing companies using discounter cash flow methods.
- Financial projections and scenario analysis for clients incorporating the definition of risks and advantages in purchases different aircraft portfolios.
- Strategic analysis for a major Chinese bank to enable it to set up a leasing company, analysis included financial projections and developing a portfolio tool to select the optimum portfolio of aircraft.
- Setting up a airline for a cargo company, analysis included financial projections of the increase in revenues as a result of the airline being added to their existing cargo company.
- Seconded to the Hong Kong office as part of a business development team responsible for making a number of bids to banks and leasing companies.
