Risk & Actuarial Advisory

Enterprise Risk Management & Risk Appetite

                •              ERM frameworks aligned with ISO 31000, COSO ERM and IAIS ICPs.

                •              Risk appetite and tolerance statements, metrics and thresholds.

                •              KRI libraries and dashboards for Board and Executive Committees.

                •              Integration with strategic planning, budgeting and performance management.

ORSA & Capital Planning

                •              ORSA policies, process design and annual reporting.

                •              Forward-looking capital projections under base and stressed scenarios.

                •              Scenario and stress testing for underwriting, market, credit, liquidity, operational and emerging risks.

                •              Linkage to business planning, reinsurance strategy and capital actions.

Actuarial Services & Product Design

                •              Pricing and reserving for life, non-life and health portfolios.

                •              Product design (funeral, agriculture/parametric, liability, motor, health) aligned with risk appetite and capital.

                •              Review of technical provisions, risk adjustment and contractual service margin under IFRS 17.

                •              Experience investigations (claims, lapses, expenses, mortality/morbidity).