Actuarial Analyst Iii

2 weeks ago

Toronto, Canada TD Bank Full time

**Actuarial Analyst III**:

- 432253BR

**Job Category - Primary**
- Insurance

**Work Location**
- 50 Boulevard Cremazie West, TD Centre - TD Tower - 66 Wellington Street West Insurance

**Employment Type**
- Regular

**City**
- Montreal, Toronto

**Time Type**
- Full Time

**Province/State**
- Ontario, Quebec

**Hours**
- 35

**Workplace Model**
- Hybrid

**Pay Details**

**Department Overview**

GI Pricing oversees the overall pricing strategy of general insurance products that aligns with TD Insurance's business objectives in compliance with jurisdictional premium regulations. Pricing is a determining component of our home and auto insurance products that cater to direct and affinity markets.
Reporting to the Pricing Manager, the Senior Actuarial Analyst plays a key role in the end-to-end development of pricing strategies and rate changes. The Senior Analyst contributes to the on-going and future success of the company may it be through the establishment of pricing strategies for all products and all insurers for a given region, the development of models, methodologies and tools, the monitoring and measurement of rate levels and effectiveness though rate-indication activities, and/or the execution of planned pricing and business initiatives utilizing best governance practices.

**Job Details**
- Develop pricing strategies by market and product to reach growth and profitability objectives:

- Supervise analysis performed by analysts to develop detailed pricing strategies for each market and product based on actual claim experience and the organization's competitive positioning.
- Generate ideas in the development of strategies to accelerate profitable growth and supervise and execute their implementation:

- Optimization of our cession strategies to the Risk Sharing Pools;
- Pricing strategies that will create a competitive advantage;
- Initiatives to improve our customer segmentation in order to reach objectives, taking into consideration competitive and regulatory constraints;
- Identify above-average profitability customer segments for the purpose of targeted marketing efforts;
- Development of models for evaluation and measurement of customers’ price elasticity and behaviors.
- Provide support to obtain necessary approvals from regulatory boards;
- Prepare rate change documents according to mandated standards as required by rating boards for pricing changes ;
- Answer questions received from regulators during the revision process;
- Support negotiations with regulatory instances to obtain rate change approvals.
- Support the implementation of approved rate changes;
- Ensure that appropriate measures are in place to confirm the accurate pricing of all issued policies (compliance and reputational risks).
- Support and supervise analysts within the team
- Establish and maintain relationships with our partners and liaise with internal and external stakeholders
- Support our business partners for pricing related issues

**Job Requirements**
- Over five years of actuarial experience in Property & Casualty
- Bachelor degree in Actuarial Sciences or related field
- Fellow of the Casualty Actuarial Society (FCAS) designation obtained or in the process of being awarded
- Excellent knowledge of Excel
- Proficiency and interest for programming, notably SQL and R
- Predictive modeling is a large asset
- Leadership and strong aptitude for team work
- Ability to develop and empower top talent
- Customer-centric
- Ability to communicate effectively in English, both verbally and in writing. French is an asset
- Ability to work effectively during demanding periods and take difficult decisions
- Autonomous and perseverant; shows initiative and creativity
- Advanced analytical and problem-solving skills
- Recognized for their thoroughness and the quality of their work

**Proficiency in Other than French**
- This position requires proficiency in a language other than French to support or deal with employees or colleagues who require services and support in a language other than French.

**Company Overview**

**Our Values**
At TD we're guided by our purpose is to enrich the lives of our customers, communities and colleagues, and share a set of values that shape our culture and guide our behavior. In exchange for how our colleagues show up to help TD succeed, we are committed to delivering a colleague experience grounded in Impact, Growth and a Culture of Care. No matter where you work across TD, we empower you to make an impact at work and in your community, explore and grow your career and be part of our caring and inclusive culture.
- **Making Your Well-being a Priority**
A supportive culture that promotes colleague well-being is core to who we are. At TD, we focus on total well-being with extensive programs to help colleagues assess, manage, and improve their well-being across four core pillars — physical, financial, social and mental/emotional. In addition, we champion a safe and inclusive work environment so coll

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