actuarial consultant

UnitedHealthcare

<div>At UnitedHealthcare, we're simplifying the health care experience, creating healthier communities and removing barriers to quality care. The work you do here impacts the lives of millions of people for the better. Come build the health care system of tomorrow, making it more responsive, affordable and optimized. Ready to make a difference? Join us to start Caring. Connecting. Growing together 
Shape the future of affordable healthcare through data driven insight. As an Actuarial Consultant supporting ACA Individual &amp; Family Plans, you'll sit at the intersection of strategy, analytics, and regulation-owning pricing decisions that directly impact members, markets, and financial performance. In this highly visible role, you'll lead sophisticated actuarial analyses, translate complex market dynamics into clear recommendations, and partner across the organization to influence product and pricing strategy. If you thrive on solving complex problems, navigating regulatory nuance, and innovating how actuarial work gets done, this is an opportunity to make a meaningful impact at scale. 
You'll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges. For all hires in the Minneapolis or Washington, D.C. area, you will be required to work in the office a minimum of four days per week. 
Primary Responsibilities:<ul><li>
Lead development and maintenance of ACA Individual &amp; Family Plan pricing models for assigned states or market segments, including morbidity, utilization, unit cost, risk adjustment, CSR loading, reinsurance, and administrative assumptions</li><li>
Own end to end actuarial analyses supporting annual rate development, including assumption setting, scenario analysis, and interpretation of results for leadership and cross functional partners</li><li>
Evaluate market dynamics, regulatory changes, and enrollment shifts to assess pricing adequacy, competitive positioning, and financial risk</li><li>
Serve as a subject matter resource for ACA pricing topics, including risk adjustment mechanics, CSR impacts, and regulatory requirements</li><li>
Provide actuarial leadership in preparation, review, and validation of regulatory filings and responses (e.g., URR/URRT, actuarial memoranda, state or CMS data requests)</li><li>
Partner closely with Product, Regulatory, Finance, and Healthcare Economics teams to influence pricing strategy, product decisions, and implementation timelines</li><li>
Support forecasting and financial planning by providing actuarial insight into variances between pricing assumptions and actual experience</li><li>
Identify and drive enhancements to pricing models, analytical processes, and documentation standards; provide guidance and review support for more junior analysts</li><li>
Champion innovation in actuarial modeling and analysis, including use of AI enabled tools, automation, and advanced analytics to enhance insight, scalability, and decision support</li></ul> 
You'll be rewarded and recognized for your performance in an environment that will challenge you and give you clear direction on what it takes to succeed in your role as well as provide development for other roles you may be interested in.
Required Qualifications:<ul><li>
Bachelor's degree in Actuarial Science, Mathematics, Statistics, Economics, or a related quantitative discipline</li><li>
Progress toward actuarial designation (ASA track), having passed 4+ exams</li><li>
4+ years of actuarial work experience</li><li>
Demonstrated experience leading actuarial pricing or financial analyses within health insurance.</li><li>
Proven solid actuarial judgment and ability to independently resolve complex or ambiguous analytical issues</li><li>
Proven ability to translate technical results into clear insights for non actuarial stakeholders</li><li>
Proven solid organizational skills and ability to manage multiple priorities and deliverables</li><li>
Advanced or higher level of proficiency with Excel based actuarial models and analytical tools</li></ul> 
Preferred Qualifications:<ul><li>
Direct experience with ACA Individual market pricing, including ownership of state level or multi state rate development</li><li>
Experience serving as actuarial lead or primary contributor for regulatory filings and external data requests</li><li>
Experience mentoring or reviewing work produced by other analysts</li><li>
Experience influencing pricing or product decisions through actuarial analysis</li><li>
Deep working knowledge of ACA policy, CMS guidance, and risk adjustment programs</li></ul><ul><li> 
All employees working remotely will be required to adhere to UnitedHealth Group's Telecommuter Policy</li></ul> 
Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. In addition to your salary, we offer benefits such as, a comprehensive benefits package, incentive and recognition programs, equity stock purchase and 401k contribution (all benefits are subject to eligibility requirements). No matter where or when you begin a career with us, you'll find a far-reaching choice of benefits and incentives. The salary for this role will range from $91,700 to $163,700 annually based on full-time employment. We comply with all minimum wage laws as applicable.
Application Deadline: This will be posted for a minimum of 2 business days or until a sufficient candidate pool has been collected. Job posting may come down early due to volume of applicants. 
At UnitedHealth Group, our mission is to help people live healthier lives and make the health system work better for everyone. We believe everyone-of every race, gender, sexuality, age, location and income-deserves the opportunity to live their healthiest life. Today, however, there are still far too many barriers to good health which are disproportionately experienced by people of color, historically marginalized groups and those with lower incomes. We are committed to mitigating our impact on the environment and enabling and delivering equitable care that addresses health disparities and improves health outcomes - an enterprise priority reflected in our mission. 
UnitedHealth Group is an Equal Employment Opportunity employer under applicable law and qualified applicants will receive consideration for employment without regard to race, national origin, religion, age, color, sex, sexual orientation, gender identity, disability, or protected veteran status, or any other characteristic protected by local, state, or federal laws, rules, or regulations. 
UnitedHealth Group is a drug - free workplace. Candidates are required to pass a drug test before beginning employment.</div>

Actuarial Consultant IFP - Remote

Chubb Insurance

<div>We are seeking a detail-oriented and analytical Actuarial Analyst to join our Actuarial department. This role will support in delivering timely and accurate monthly valuation results and financial analyses. The position focuses on production of movement analyses, reserve calculations, and ad-hoc actuarial investigations. The ideal candidate will have a strong analytical background, a solid understanding of actuarial principles, and the ability to work collaboratively with various teams.</div>
 <div><ul><li>Bachelor&rsquo;s degree in actuarial science, Mathematics, Statistics, Finance, or a related field.
</li><li>1-2 years of experience in actuarial analysis and valuation, specifically within life insurance industry.
</li><li>Progress towards actuarial certification is preferred, or a strong commitment to achieving certification.
</li><li>Strong proficiency in statistical analysis and experience with actuarial modeling software or programming languages (e.g., Prophet, Excel VBA, R).
</li><li>Solid understanding of life insurance products and market practices.
</li><li>Excellent analytical skills, with strong attention to detail and the ability to synthesize complex data into actionable insights.
</li><li>Effective communication skills, both written and verbal, with the ability to explain technical concepts to non-technical audiences.
</li><li>Ability to work collaboratively within a team environment, demonstrating initiative and ownership of tasks.</li></ul></div>

Actuarial Analyst

<div>
 
 
 Job Title:
 
 Senior Actuarial Analyst
 
 
 
 Business Line:
 
 Health
 
 
 
 Location:
 
 Riyadh, Saudi Arabia
 
 
 
 
 
 
 About the Role:
 
 
 
 As a Senior Actuarial Analyst within Aon&rsquo;s Health Solutions team in our Riyadh office in the, you will leverage your actuarial expertise and industry experience to deliver advanced analytical support and strategic recommendations to our clients. In this role, you will proactively evaluate complex benefit plan data, refine cost projections, and contribute to client-focused solutions while working with diverse teams and stakeholders.
 
 
 
 
 
 
 Key Responsibilities:
 
 
 
 
 
 <ul>
 <li>
 Analyze claims data, plan demographics, and utilization to identify trends and drive actionable client insights.
 </li>
 <li>
 Develop and refine actuarial models for claim projection and rate setting.
 </li>
 <li>
 Provide market benchmarks for medical benefits schemes and assess the impact of product changes.
 </li>
 <li>
 Support client renewals by reviewing carrier quotes, underwriting assumptions, and summarizing cost drivers for client presentations.
 </li>
 <li>
 Contribute to strategic recommendations, such as plan design changes, cost containment strategies, and wellness initiatives.
 </li>
 <li>
 Prepare and present analytical findings to clients and internal stakeholders, translating complex data into actionable insights and recommendations.
 </li>
 <li>
 Collaborate with carriers to negotiate favorable terms and communicate actuarial advice.
 </li>
 <li>
 Monitor regulatory updates and industry trends impacting health insurance plans and rating methodologies.
 </li>
 </ul>
 
 
 
 
 
 Qualifications:
 
 
 
 
 
 <ul>
 <li>
 Bachelor&rsquo;s degree in actuarial science, Mathematics, Statistics, Finance, or a related field.
 </li>
 <li>
 2-3 years of actuarial experience, preferably within health insurance or employee benefits brokerage/consulting.
 </li>
 <li>
 Advanced proficiency in MS PowerPoint, Excel, and data analytics; experience with VBA, SQL, or Power BI is desirable.
 </li>
 <li>
 Strong communication skills with proven ability to explain technical data to non-actuarial audiences.
 </li>
 <li>
 Effective project management skills and ability to handle multiple client deliverables under tight deadlines.
 </li>
 </ul>
 
 
 
 
 
 KSA HR Notice:
 
 
 
 Aon is committed to fostering a work environment in compliance with the Kingdom of Saudi Arabia&rsquo;s local labor regulations and Saudization requirements. We encourage applications from qualified Saudi nationals. All hiring practices and employment terms will adhere to the Kingdom&rsquo;s labor policies. We ensure fair consideration and equal opportunity to all candidates, supporting a diverse and inclusive workplace.
 
 
 
 
 
 
 About Aon:
 
 
 
 Aon plc (NYSE: AON) exists to shape decisions for the better &mdash; to protect and enrich the lives of people around the world. Our colleagues provide customers in over 120 countries and sovereignties with expertise across risk, retirement, and health solutions. Aon is dedicated to fostering an inclusive culture, developing talent, and helping clients make better decisions that drive business success.
 
 
 
</div>

Senior Actuarial Analyst

Caterpillar

<div>Career Area:
Finance
Job Description:
Your Work Shapes the World at Caterpillar Inc.
When you join Caterpillar, you're joining a global team who cares not just about the work we do &ndash; but also about each other. We are the makers, problem solvers, and future world builders who are creating stronger, more sustainable communities. We don't just talk about progress and innovation here &ndash; we make it happen, with our customers, where we work and live. Together, we are building a better world, so we can all enjoy living in it.
Our common values and focus on inclusion and respect drive the decisions made by our company, teams and people. This is why we are committed to hiring and building diverse teams representative of the customers we serve globally. When you join our team, you can apply your unique life and job experiences and work in an environment where your ideas are heard, your contributions are celebrated, and your whole-self matters.
About Cat Financial
Cat Financial is a subsidiary of Caterpillar Inc., the world&rsquo;s leading manufacturer of construction and mining equipment, off-highway diesel and natural gas engines, industrial gas turbines and diesel-electric locomotives. For more than 40 years, Cat Financial has provided a wide range of financing solutions to customers and Cat&reg; dealers for machines, engines, Solar&reg; gas turbines, genuine Cat parts and services. Headquartered in Nashville, Tennessee, Cat Financial serves customers globally with offices and subsidiaries located throughout North and South America, Asia, Australia, Europe and Africa. Visit cat.com to learn more about Cat Financial.
Role Definition<ul><li>
Directs the actuarial function for the organization by analyzing, estimating financial risk for Insurance products and services.</li></ul>
Responsibilities<ul><li>
Communicating the complexities of insurance finances to company executives, government officials, shareholders, policyholders, or the general public.</li><li>
Participating in determining company policies for product development, pricing, reserving, reinsurance and financial management from an actuarial perspective.</li><li>
Developing and implementing strategies, policies, and guidelines for the actuarial function; monitoring all actuarial operations.</li><li>
Developing methods and procedures to continually improve the effectiveness and efficiency of actuarial functions for the organization; implementing quality control procedures.</li></ul>
Consideration for Top Candidates:<ul><li>
At least 7 years of experience in performing pricing or reserving actuarial functions</li><li>
Active membership or nearing completion in the Casualty Actuarial Society (ACAS or FCAS)</li><li>
Be able to provide a servant leadership mindset, prioritizing the growth and well-being of team members coupled with a minimum of 2 years management/leadership experience.</li></ul><div>
Skill Descriptors 
Communicating Complex Concepts: Knowledge of effective presentation tools and techniques to ensure clear understanding; ability to use summarization and simplification techniques to explain complex technical concepts in simple, clear language appropriate to the audience. 
Level Extensive Experience:
 
<ul><li>Uses comparisons to familiar ideas when introducing a technical or novel feature.</li><li>Separates fundamental concepts from supporting details in explaining a product or service.</li><li>Explains products and services with little or no use of technical jargon or advanced vocabulary.</li><li>Emphasizes the most important facts or features of a product or service.</li><li>Perceives lack of audience comprehension; further simplifies explanation when needed.</li></ul></div><div>
Decision Making and Critical Thinking: Knowledge of the decision-making process and associated tools and techniques; ability to accurately analyze situations and reach productive decisions based on informed judgment. 
Level Extensive Experience:
 
<ul><li>Differentiates assumptions, perspectives, and historical frameworks.</li><li>Evaluates past decisions for insights to improve decision-making process.</li><li>Assesses and validates decision options and points and predicts their potential impact.</li><li>Advises others in analyzing and synthesizing relevant data and assessing alternatives.</li><li>Uses effective decision-making approaches such as consultative, command, or consensus.</li><li>Ensures that assumptions and received wisdom are objectively analyzed in decisions.</li></ul></div><div>
Organizational Leadership: Knowledge of leadership concepts and ability to use strategies and skills to enlist others in setting, embracing and achieving objectives. 
Level Working Knowledge:
 
<ul><li>Employs various group decision-making methods depending on the situation.</li><li>Promotes efficacy through monitoring, coaching &amp; motivating subordinates, intervention, etc.</li><li>Translates vision into specific functional or departmental initiatives.</li><li>Uses emotional contagion to affect the mood of group members, tone of group and group processes.</li><li>Uses a normative decision model (with leadership styles and situational variables) to select style.</li><li>Initiates structure: role clarification, setting standards, holding subordinates accountable, etc.</li></ul></div><div>
Producing Results: Understanding of the criticality of getting things done despite current circumstances and the ability to utilize assigned resources and leverage back-channel resources (individuals or teams) to achieve or exceed planned outcomes. 
Level Expert:
 
<ul><li>Works to create a climate that values and rewards drive, initiative, and achievement of results.</li><li>Leads the way in viewing setbacks or failures as learning opportunities.</li><li>Takes extraordinary measures to solve problems and get work done when situation calls for it.</li><li>Deals effectively with ambiguity and uncertainty; recovers from disappointments and setbacks.</li><li>Coaches others in behaviors for personal effectiveness, results-orientation.</li><li>Teaches others the importance of networking, using the informal organization for results.</li></ul></div><div>
Actuarial Function: Knowledge of the major responsibilities, accountabilities, and organization of the actuarial function; ability to manage actuarial tasks and activities to high quality standards . 
Level Expert:
 
<ul><li>Advocates the development of new technologies and tools for the actuary function.</li><li>Leads in predictive analyses on market conditions in insurance industry.</li><li>Mentors others in the future development decisions based on statistical analyses.</li><li>Leads discussions on loss reserving, IBNR determination and future valuation of complex instruments.</li><li>Predicts the future trends and developments for the actuary function or unit.</li><li>Designs and implements strategies and policies for the actuary function.</li></ul></div><div>
Financial Mathematics: Knowledge of mathematical tools and techniques used in developing and pricing financial instruments; ability to carry out mathematical calculations in various financial scenarios. 
Level Extensive Experience:
 
<ul><li>Advises others on the analysis of calculation results for financial models with specific applications.</li><li>Prices securities with various mathematical theories.</li><li>Coaches trainees on the use of Capital Asset Pricing Model and Arbitrage Pricing Theory.</li><li>Applies mathematical theories and models in complex and varied financial instruments.</li><li>Consults on the use of various financial derivatives pricing theories.</li><li>Utilizes financial mathematics to make complex financial risk decisions.</li></ul></div><div>
Statistics and Actuarial Modeling: Knowledge of statistical and actuarial modeling tools and techniques; ability to apply modeling processes and techniques to facilitate risk management decisions. 
Level Extensive Experience:
 
<ul><li>Coaches others on complicated statistical mathematics concepts and calculations.</li><li>Assesses the quality, relevance and reliability of data used as input to a given model.</li><li>Consults on the selection of appropriate actuary models for complex and unusual risk management problems.</li><li>Applies varied modeling processes to diverse risk management problems.</li><li>Analyzes and draws final conclusions from results of the modeling process.</li><li>Calculates, explains and adjusts for potential errors in a given model.</li></ul></div><div>
Insurance / Warranty Industry: Knowledge of the insurance industry's functions; ability to apply knowledge of insurance trends, directions, major issues, and regulatory considerations to various business environments. 
Level Extensive Experience:
 
<ul><li>Discusses existing and planned distribution platforms for a specific product.</li><li>Monitors major trends associated with a specific insurance product or function.</li><li>Researches key industry players and competitors for a specific product or market.</li><li>Explains the best practices, key processes and benchmarks for a specific insurance product.</li><li>Describes possible solutions to major operational issues.</li></ul></div><div>
Compensation &amp; Benefits:
</div><div>Summary Pay Range: $151,440 - $242,304</div><div>
**Compensation and benefits offered may vary depending on multiple individualized factors, job level, market location, job-related knowledge, skills, individual performance, and experience. Please note that salary is only one component of total compensation at Caterpillar.
</div>This Job Description is intended as a general guide to the job duties for this position and is intended for the purpose of establishing the specific salary grade. It is not designed to contain or be interpreted as an exhaustive summary of all responsibilities, duties and effort required of employees assigned to this job. At the discretion of management, this description may be changed at any time to address the evolving needs of the organization. It is expressly not intended to be a comprehensive list of &ldquo;essential job functions&rdquo; as that term is defined by the Americans with Disabilities Act.
This position requires working onsite five days a week.
Relocation is available for this position.
Visa Sponsorship is not available for this position.
Posting Dates:
March 19, 2026 - March 26, 2026
Any offer of employment is conditioned upon the successful completion of a drug screen.
Caterpillar is an Equal Opportunity Employer, Including Veterans and Individuals with Disabilities. Qualified applicants of any age are encouraged to apply.
Not ready to apply? Join our Talent Community.</div>

Actuarial Manager

Constellation Insurance, Inc

<div>As the Actuarial Coordinator, Special Projects, you will play a key role in supporting enterprise-wide actuarial initiatives across annuity and life businesses. Unlike traditional valuation roles, this position is project-driven and focused on strategic initiatives, regulatory developments, model enhancements, and new product implementations.

This role requires strong hands-on AXIS modeling expertise and the ability to operate independently in a dynamic, cross-functional environment.

Your role and impact

Responsibilities may include, but are not limited to:
<ul>
<li>Leading and supporting enterprise actuarial initiatives, including regulatory changes (e.g., VM-22) and model governance improvements</li>
<li>Supporting new product implementation and model development within AXIS</li>
<li>Performing in-depth AXIS liability modeling, including assumption updates, sensitivity testing, and model validation</li>
<li>Supporting asset and ALM modeling within AXIS, including integration of asset cash flows and liability projections where applicable</li>
<li>Performing model output validation, reconciliations, and analytical reviews to ensure accuracy and control integrity</li>
<li>Assisting with financial reporting impacts related to modeling changes (statutory, GAAP, and LDTI, as applicable)</li>
<li>Partnering with Finance, IT, Risk, and external stakeholders to coordinate deliverables and resolve technical issues</li>
<li>Supporting documentation of methodologies, model governance, and control frameworks</li>
<li>Contributing to process improvements to strengthen efficiency, transparency, and audit readiness</li>
</ul>
This role is ideal for a technically strong actuarial professional who enjoys complex problem-solving, cross-functional collaboration, and working on high-impact initiatives that shape the company's actuarial infrastructure.

What's in it for you
<ul>
<li>Competitive pay: Fair compensation for your hard work.</li>
<li>Healthcare coverage: Comprehensive medical, dental, and vision from day one.</li>
<li>Life insurance: Company-paid coverage for you and your loved ones.</li>
<li>401(k) plan: Matching contributions to help secure your financial future.</li>
<li>Family support: Paid parental leave and reimbursement for adoption and surrogacy expenses.</li>
<li>Work-life balance: Flexible time-off policy to recharge and pursue passions.</li>
<li>Dress for your day: Express your style comfortably at work.</li>
<li>Diversity and inclusion: A respectful environment that values unique contributions.</li>
<li>Flexible work options: Remote, hybrid, and onsite opportunities at various locations across the U.S. for better work-life integration.</li>
<li>Well-being focus: Programs to support a healthy balance between work and home life.</li>
<li>Community connections: Build strong relationships through virtual and in-person interactions, with resources for your growth.</li>
</ul>Requirements:
What sets you up for success
<ul>
<li>A bachelor's degree in actuarial science, mathematics, statistics or related field</li>
<li>ASA designation or progression towards an FSA designation</li>
<li>At least five years in actuarial roles is expected</li>
<li>Direct, hands-on AXIS modeling experience in a production environment (required)</li>
<li>Excellent communication and influencing skills</li>
<li>Demonstrated experience with building and fostering relationships</li>
<li>Strong problem-solving skills</li>
<li>Strong analytical skills including the ability to quantify impacts and synthesize data from multiple sources and identify trends</li>
</ul>
 
Compensation: $100,348-$125,460</div>

Actuarial Coordinator, Special Projects

Brighthouse Financial

<div>Where you&rsquo;ll work:
Our flexible, hybrid work model offers the option to work remotely or in the office. 
How you&rsquo;ll contribute:
As an Actuarial Assistant, you&rsquo;ll be responsible for supporting the valuation team on end-to-end production processes for annuity products, including assumption table updates, Prophet model validation and execution, development of process/model controls, and analysis of results. 
In this role, you&rsquo;ll get to:<ul><li>
Analyze annuity valuation model results for attributions, sensitivities, and production results.</li><li>
Coordinate and validate the impact of assumption updates on modeled results.</li><li>
Support model development testing to ensure model updates are consistent with requirements.</li><li>
Develop creative solutions to complex problems &ndash; identify ways to streamline and simplify the annuity modeling process to increase capacity for value-added activities.</li><li>
Perform single cell audits to ensure projection models are consistent with product features.</li><li>
Collaborate with other actuarial teams including pricing, valuation, and modeling to support alignment across use cases.</li></ul> 
We&rsquo;re looking for people who have:
<ul><li>Bachelor&rsquo;s degree in Mathematics, Statistics, Computer Science, or Actuarial Science</li><li>
2+ Actuarial Exams required; Actuarial Experience preferred</li><li>
Strong analytical, problem solving, and communication skills</li><li>
Positive attitude and ability to work with others in a team environment</li></ul> 
What you&rsquo;ll gain from the Brighthouse Actuarial Development Program:<ul><li>
Experience with one of the largest annuity and life insurance providers in the U.S.</li><li>
Study materials, study time, and exam fees paid for by Brighthouse Financial.</li><li>
Direct exposure to leaders, mentors, and learning opportunities.</li><li>
24-month rotational work assignments to promote career growth.</li><li>
Automatic salary increases with each passed exam.</li></ul> 
Research shows some people may not apply for a role if they don&rsquo;t check all the boxes of a job description. If you don&rsquo;t check every box listed, that&rsquo;s okay. We would love to hear from you. 
What you&rsquo;ll receive:<ul><li>
Compensation &ndash; Candidates for this role can be hired at the Actuarial Assistant or Actuarial Associate level. Level and salary to be commensurate with exam progress.
<ul><li>Assistant Level (1-3 Exams): Base salary ranging from $72,000 to $82,000 plus competitive performance-based incentives determined by company and individual results.</li><li>
Associate Level (4+ Exams): Base salary ranging from $82,000 to $95,000 plus competitive performance-based incentives determined by company and individual results.</li></ul></li><li>
Flexible Work Environment &ndash; Work remotely or in the office to better thrive in all areas of life.</li><li>
Paid Time Off &ndash; Recharge with a minimum of 20 days of paid time off and 16 paid company holidays per calendar year plus paid volunteer time and paid study time.</li><li>
Financial Health &ndash; Work toward achieving your financial goals through our 401(k) savings plan with company match (up to 6%) and annual company nondiscretionary contribution (3%), and financial counseling services.</li><li>
Health and Wellness &ndash; Enjoy competitive medical, vision, and dental plans plus tax-free health savings accounts with potential company contributions up to $1,000 per family.</li><li>
Family Support &ndash; Care for loved ones with up to 16 weeks of paid leave for new parents, back-up dependent care, dependent care flexible spending account, and up to a $25,000 lifetime maximum during your adoption, infertility, or surrogacy journey.</li><li>
Life and Disability Support &ndash; Gain access to company-paid basic life insurance and short-term disability insurance.</li></ul> 
The company and your department may occasionally gather in person throughout the year to foster a culture of belonging and promote team building. We&rsquo;d love for you to join us during those company-wide and department-wide events to help you strengthen connections across the company. 
Why join us?
Brighthouse Financial is on a mission to help people achieve financial security. Our company is one of the largest providers of annuities and life insurance in the U.S.,* and we specialize in products designed to help people protect what they&rsquo;ve earned and ensure it lasts. 
We empower employees to collaborate, bring their passion to work, and make an impact. Our inclusive work environment fosters a culture that celebrates diverse backgrounds and experiences. You can find out more about our company culture by visiting brighthousefinancial.com/about-us/careers/. 
We&rsquo;re one of the largest providers of annuities and life insurance in the U.S.,* and our commitment to being a great place to work has earned us recognition as one of America&rsquo;s Most Trustworthy Companies by Newsweek and, locally, one of the Healthiest Employers of Greater Charlotte.<ul><li> 
Ranked by 2024 admitted assets. Best&rsquo;s Review?: Top 200 U.S. Life/Health Insurers. AM Best, 2025.</li></ul></div>

Actuarial Assistant (Charlotte, NC (Hybrid) or Remote)

Kuvare Holdings LLC

<div>About Kuvare<div> 
Kuvare is on a mission to serve hardworking consumers overwhelmed by the complexities of retirement and is built from the ground up to do so. Our unified financial hub protects the retirement of everyday Americans and the distributors, carriers and investors that serve them. We create life insurance and annuity products that protect consumers&rsquo; retirements, and are simplified for distributor partners and financial professionals to sell and service. 
 
Kuvare family of companies: 
 
Retail Annuity and Life Insurance Solutions: 
<ul><li>United Life Insurance Company</li><li>Guaranty Income Life Insurance Company</li><li>Lincoln Benefit Life</li></ul> 
Institutional Insurance: 
<ul><li>Kuvare Life Re</li></ul> 
Bespoke Insurance Solutions: 
<ul><li>Ignite Partners</li></ul></div> 
About the role 
This position is part of the Actuarial Development Program for Kuvare Corporate Management (KCM). The Program offers students an array of experiences including Life and Annuity Valuation, Modeling and Forecasting, Product Management, Asset Liability Management, and Enterprise Risk Management. The Program is designed with the objective to develop Fellows in the Society of Actuaries. 
What you'll do
As an employee in the Actuarial Development Program, your day-to-day activities will be dependent on the function you are supporting and are expected to change throughout your employment. 
Duties and responsibilities include, but are not limited to 
Valuation tasks<ul><li>
Prepare and help monitor reserve trends monthly on GAAP, statutory, and tax accounting bases</li><li>
Develop management reporting for existing business</li><li>
Assist in preparation of Statutory Annual and Quarterly Statements</li><li>
Update Valuation models and organize results for management.</li><li>
Assist in gathering information and analysis for external auditor inspections</li></ul> 
Pricing &amp; Product Development<ul><li>
Support rate setting and other non-guaranteed elements (NGE) process; perform analysis to support business decisions, coordinate signoff, and monitor implementation.</li><li>
Monitor emerging product experience, manage actuarial assumptions and identifying any new risks</li><li>
Coordinate and assist with cross-functional initiatives related to product development and reporting</li><li>
Oversee Life and/or Annuity product illustrations; provide support to Customer Service on exemptions and escalated requests</li><li>
Develop relationships with internal and external distribution (sales) stakeholders</li><li>
Manage projects and stakeholders to promote timely and effective progress on key initiatives</li><li>
Assist Pricing Actuaries in designing new products</li><li>
Leading cross-functional teams in education, objectives, and project decisions relevant to the product</li><li>
Managing and communicating pricing risks, profitability, scenario analysis</li><li>
Key contributor in implementation of product across downstream teams</li><li>
Reinsurance: developing RFP for risk sharing, analysis of existing and potential treaties, developing relationships with counterparts at reinsurers</li><li>
Responsible for certifications within Actuarial Memoranda submitted to state regulatory bodies for product filings</li><li>
Support development and review of contract language and other filing requirements</li><li>
Ensure products are built appropriately in administration system and validating test cases</li></ul> 
Product Management tasks<ul><li>
Produce, present, and improve monthly business monitoring reporting</li><li>
Provide insight and analysis to enforce experience trends</li><li>
Produce monthly crediting rate package and process</li><li>
Coordinate with ALM and System on data and result analysis</li><li>
Assist in the development and analyze annual Illustration Actuary testing models</li><li>
Assist on special policy illustration requests</li><li>
Assist on Product related projects and requests</li></ul> 
Modeling and Forecasting tasks<ul><li>
Build and review model inputs to support financial projection capability</li><li>
Execute and monitor model projections including troubleshooting model calculations</li><li>
Analyze model output ensuring accuracy with intended model purpose</li></ul> 
Risk and Investments tasks<ul><li>
Update quarterly stress testing results and compare versus risk appetite and limit</li><li>
Build quarter end asset model staging for production, for multiple lines of business</li><li>
Research and implement modeling of complex asset types (structured securities, hybrid securities), investment/reinvestment strategies, cash flow behaviors, and regulations in Moody&rsquo;s AXIS</li><li>
Monitor asset and liability duration, report mismatches outside of tolerance</li><li>
Prepare weekly hedging file, monitor hedge position and results</li><li>
Assist with competitive analysis and manager performance benchmarking</li></ul> 
Ancillary Responsibilities:<ul><li>
Assess reasonableness of reserves as new blocks of business are acquired</li><li>
Assess product features and determine product management strategies as new blocks of business are acquired</li><li>
Build efficiencies through programming solutions in all aspects of model input and output data manipulation</li><li>
Assist in the development and production of the Own Risk and Solvency Assessment</li><li>
Assess the impacts of an alternate investment or reinvestment strategy</li><li>
Serve as SME to actuarial data warehouse development, operations, IT, customer support and other functions</li><li>
Assist in the development of optimization macros to improve hedging and ALM efficiency</li></ul> 
Upon request, reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Qualifications
Analyst<ul><li>
BS in Actuarial Science, Mathematics, Finance, Statistics, or related area</li><li>
Proven ability to pass actuarial exams; preferably 1 exam pass achieved</li><li>
0-2 years of full-time insurance actuarial experience (including prior internships). Little prior significant experience expected, although a plus.</li><li>
Understanding of Actuarial software, a plus (e.g., AXIS, MG-ALFA, ARCVal)</li></ul>
Skills/Competencies<ul><li>
Strong organizational skills with elevated level of attention to detail</li><li>
Demonstrated persistency and ability to deliver results under pressure</li><li>
Excellent interpersonal, verbal communication and proofreading skills</li><li>
Proficient with Microsoft Office, etc.</li><li>
Must be a flexible self-starter who can prioritize tasks, follow through and meet deadlines</li><li>
Ability to work independently with minimal supervision</li><li>
Proven track record of actuarial exam success</li></ul> 
Physical Demands<ul><li>
Normal office working environment, full time with some flexibility</li><li>
Occasional evening and weekend hours to meet deadlines</li><li>
Occasional travel is required</li><li>
Ability to type / perform data entry</li><li>
Ability to read from a computer screen and paper reports</li><li>
Express ideas and otherwise communicate with the spoken word</li></ul></div>

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