Actuaries

****This Early Careers finance internship opportunity in actuarial will be available starting in June 2025.****

**Internships at UnitedHealth Group.** If you want an intern experience that will dramatically shape your career, consider a company that’s dramatically shaping our entire health care system. UnitedHealth Group internship opportunities will provide a hands-on view of a rapidly evolving, incredibly challenging marketplace of ideas, products and services. You’ll work side by side with some of the smartest people in the business on assignments that matter. So here we are. You have a lot to learn. We have a lot to do. It’s the perfect storm. And even better? Join us and you may end up staying for a career in which you can do **your life’s best work.** **SM**

Actuaries are the decision-making engine for our business. That is why we support you from day one by offering guidance and assistance with exams. Our businesses serve the entire spectrum of health care participants: individual consumers and employers, commercial payers and intermediaries, physicians, hospitals, pharmaceutical and medical device manufacturers, and more, providing you with a career that is challenging, exciting, and integral in helping to write the history of healthcare.

**The Actuarial Summer Internship Program offers:**

+ Focused career development opportunities

+ Networking with senior leadership

+ Formal mentorship program

+ Sponsored social and volunteer activities

+ Meaningful, relevant, and current project work critical to managing our business

+ Potential areas of focus may include but are not limited to:

+ Healthcare Economics

+ Pricing

+ Reserving

+ Forecasting

+ Data Analytics

+ Consulting

**Primary Responsibilities:**

+ Providing moderately complex analytical support to actuaries in the development and implementation of recommendations

+ Conducting and documenting moderately complex analysis and research

+ Preparing, forecasting, and analyzing trends

+ Initiating, compiling and preparing analytical models, tools and databases

+ Assisting in developing innovative strategies, policies, and procedures

+ Providing detailed summaries, reports, and recommendations to assist in managerial decision making

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:**

+ Must be actively enrolled in an accredited college/university pursuing a bachelor’s or master’s degree throughout the duration of the internship - _internships are not intended for graduating seniors_

**Preferred Qualifications:**

+ Pursuing a major in Actuarial Science, Mathematics, Statistics, Accounting, Finance, Economics, or another related technical field

+ Minimum 3.00 cumulative GPA

+ 1 or more actuarial exams passed

+ Demonstrated knowledge or interest in a career as an Actuary

**Connecticut Residents Only:** The hourly range for this role is $27.00 to $37.00 per hour. Pay is based on several factors including but not limited to local labor markets, education, work experience, certifications, etc. UnitedHealth Group complies with all minimum wage laws as applicable. In addition to your salary, UnitedHealth Group offers 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 UnitedHealth Group, you’ll find a far-reaching choice of benefits and incentives.

_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._

_Diversity creates a healthier atmosphere: UnitedHealth Group is an Equal Employment Opportunity/Affirmative Action employer and all qualified applicants will receive consideration for employment without regard to race, color, religion, sex, age, national origin, protected veteran status, disability status, sexual orientation, gender identity or expression, marital status, genetic information, or any other characteristic protected by law._

_UnitedHealth Group is a drug-free workplace. Candidates are required to pass a drug test before beginning employment._

**Why USAA?**

At USAA, our mission is to empower our members to achieve financial security through highly competitive products, exceptional service and trusted advice. We seek to be the #1 choice for the military community and their families.

Embrace a fulfilling career at USAA, where our core values – honesty, integrity, loyalty and service – define how we treat each other and our members. Be part of what truly makes us special and impactful.

**The Opportunity**

The USAA Loss Reserving team is seeking an experienced actuary to perform Auto Material Damage loss reserving projections. The ideal candidate will have loss reserving experience and experience with the Auto line of business.

This role is for a credentialed Actuary. You will leverage advanced knowledge in at least one actuarial practice area (reserving) to lead and complete broad, complex unstructured projects with countrywide product-level impact.

This position can work remotely in the continental U.S. with occasional business travel.

**What you'll do:**

+ Apply advanced actuarial knowledge to complete broad and complex projects (e.g., evaluates and selects methodology to price new discount/endorsement for countrywide rollout; develops alternative methodologies to comply with complex regulatory requirements; selects metrics and designs processes to monitor model performance; translates business problems into technical requirements and performs required analysis to develop solutions; independently runs catastrophe models and interprets and communicates results to support critical business activities, while enhancing the control environment as needed.

+ Utilize advanced actuarial, mathematical, or statistical techniques to augment actuarial work product.

+ Lead special actuarial projects, such as the development of new methodologies or reporting tools.

+ Train new team members on the theory and mechanics of relevant actuarial methodologies.

+ Apply deep understanding of products supported, stakeholders’ needs, and industry trends to solve unstructured business problems.

+ Identify and anticipate compliance gaps and process improvements; recommends and develops solutions to mitigate risk.

+ Represent Actuary in cross-functional efforts.

+ Develop written communication and presentations that effectively convey data-driven solutions to broad audiences, including cross-functional executive leadership.

+ Ensure risks associated with business activities are effectively identified, measured, monitored, and controlled in accordance with risk and compliance policies and procedures.

**What you have:**

+ Bachelor’s degree; OR 4 years of related Actuarial/business/analytical experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 4 years of Actuarial or analytical business experience.

+ Associate of the Casualty Actuarial Society (ACAS) Credential.

+ Demonstrated advanced skills with relevant actuarial, mathematical, and statistical techniques and approaches used to support fact-based decision-making.

+ Advanced knowledge of data analysis tools, data visualization, developing analysis queries and procedures in Python, R, SQL, SAS, BI tools or other analysis software, and relevant industry data & methods and ability to connect external insights to business problems.

+ Demonstrated experience communicating complex solutions and analysis to both technical and nontechnical audiences, including executive leadership.

**What sets you apart:**

+ Experience in Loss Reserving

+ Experience with Auto line of business

+ US military experience through military service or a military spouse/domestic partner

**Compensation range:** The salary range for this position is: $127,310 - $243,340 **.**

**Compensation:** USAA has an effective process for assessing market data and establishing ranges to ensure we remain competitive. You are paid within the salary range based on your experience and market data of the position. The actual salary for this role may vary by location.

Employees may be eligible for pay incentives based on overall corporate and individual performance and at the discretion of the USAA Board of Directors.

The above description reflects the details considered necessary to describe the principal functions of the job and should not be construed as a detailed description of all the work requirements that may be performed in the job.

**Benefits:** At USAA our employees enjoy best-in-class benefits to support their physical, financial, and emotional wellness. These benefits include comprehensive medical, dental and vision plans, 401(k), pension, life insurance, parental benefits, adoption assistance, paid time off program with paid holidays plus 16 paid volunteer hours, and various wellness programs. Additionally, our career path planning and continuing education assists employees with their professional goals.

For more details on our outstanding benefits, visit our benefits page on USAAjobs.com.

_Applications for this position are accepted on an ongoing basis, this posting will remain open until the position is filled. Thus, interested candidates are encouraged to apply the same day they view this posting._

_USAA is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or status as a protected veteran._

**If you are an existing USAA employee, please use the internal career site in OneSource to apply.**

**Please do not type your first and last name in all caps.**

**_Find your purpose. Join our mission._**

USAA is unlike any other financial services organization. The mission of the association is to facilitate the financial security of its members, associates and their families through provision of a full range of highly competitive financial products and services; in so doing, USAA seeks to be the provider of choice for the military community. We do this by upholding the highest standards and ensuring that our corporate business activities and individual employee conduct reflect good judgment and common sense, and are consistent with our core values of service, loyalty, honesty and integrity.

USAA attributes its long-standing success to its most valuable resource: our 35,000 employees. They are the heart and soul of our member-service culture. When you join us, you'll become part of a thriving community committed to going above for those who have gone beyond: the men and women of the U.S. military, their associates and their families. In order to play a role on our team, you don't have to be connected to the military yourself – you just need to share our passion for serving our more than 13 million members.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

California applicants, please review our HR CCPA - Notice at Collection (https://statmcstg.usaa.com/mcontent/static\_assets/Media/enterprise\_hr\_cpra\_notice\_at\_collection.pdf) here.

USAA is an EEO/AA Employer - applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, age, disability, genetic information, sexual orientation, gender identity or expression, pregnancy, protected veteran status or other status protected by law.

**Become a part of our caring community and help us put health first**

The Actuary, Analytics/Forecasting analyzes and forecasts financial data to provide accurate and timely information for strategic and operational decisions. Establishes metrics, provides data analyses, and works directly to support business intelligence. The Actuary, Analytics/Forecasting works on problems of diverse scope and complexity ranging from moderate to substantial.

The Actuary, Analytics/Forecasting ensures data integrity by developing and executing necessary processes and controls around the flow of data. Collaborates with stakeholders to understand business needs/issues, troubleshoots problems, conducts root cause analysis, and develops cost effective resolutions for data anomalies. Advises executives to develop functional strategies (often segment specific) on matters of significance. Exercises independent judgment and decision making on complex issues regarding job duties and related tasks, and works under minimal supervision, Uses independent judgment requiring analysis of variable factors and determining the best course of action.

The Actuary, Analytics/Forecasting will play a key role in the Medicare actuarial forecasting process. This position entails the ownership and maintenance of the provider revenue and expense projection model. The Actuary will be responsible for integrating value-based provider impacts into financial and bid forecasts, managing tools associated with these impacts, and providing expert guidance on effective risk modeling practices.

**Use your skills to make an impact**

**Required Qualifications**

+ Bachelor's Degree

+ FSA or ASA plus relevant advanced degree, recent and relevant work experience, and/or other relevant professional designations.

+ MAAA

+ Strong communication skills

+ Experience in more than two functions (e.g., modeling, pricing, rate filing, reporting & analysis, reserving or trending)

**Preferred Qualifications**

+ Strong technical skills and experience working with: SQL/VBA/Excel

+ Experience with Medicare

**Scheduled Weekly Hours**

40

**Pay Range**

The compensation range below reflects a good faith estimate of starting base pay for full time (40 hours per week) employment at the time of posting. The pay range may be higher or lower based on geographic location and individual pay will vary based on demonstrated job related skills, knowledge, experience, education, certifications, etc.

$129,300 - $177,800 per year

This job is eligible for a bonus incentive plan. This incentive opportunity is based upon company and/or individual performance.

**Description of Benefits**

Humana, Inc. and its affiliated subsidiaries (collectively, “Humana”) offers competitive benefits that support whole-person well-being. Associate benefits are designed to encourage personal wellness and smart healthcare decisions for you and your family while also knowing your life extends outside of work. Among our benefits, Humana provides medical, dental and vision benefits, 401(k) retirement savings plan, time off (including paid time off, company and personal holidays, volunteer time off, paid parental and caregiver leave), short-term and long-term disability, life insurance and many other opportunities.

Application Deadline: 04-29-2025

**About us**

Humana Inc. (NYSE: HUM) is committed to putting health first – for our teammates, our customers and our company. Through our Humana insurance services and CenterWell healthcare services, we make it easier for the millions of people we serve to achieve their best health – delivering the care and service they need, when they need it. These efforts are leading to a better quality of life for people with Medicare, Medicaid, families, individuals, military service personnel, and communities at large.

**Equal Opportunity Employer**

It is the policy of Humana not to discriminate against any employee or applicant for employment because of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or veteran status. It is also the policy of Humana to take affirmative action to employ and to advance in employment, all persons regardless of race, color, religion, sex, sexual orientation, gender identity, national origin, age, marital status, genetic information, disability or protected veteran status, and to base all employment decisions only on valid job requirements. This policy shall apply to all employment actions, including but not limited to recruitment, hiring, upgrading, promotion, transfer, demotion, layoff, recall, termination, rates of pay or other forms of compensation and selection for training, including apprenticeship, at all levels of employment.

Humana complies with all applicable federal civil rights laws and does not discriminate on the basis of race, color, national origin, age, disability, sex, sexual orientation, gender identity or religion. We also provide free language interpreter services. See our https://www.humana.com/legal/accessibility-resources?source=Humana_Website.

Our work matters. We help people get the medicine they need to feel better and live well. We do not lose sight of that. It fuels our passion and drives every decision we make.

**Job Posting Title**

Principal Actuary Forecasting - REMOTE

**Job Description**

The Principal Actuary is responsible for supporting the development of actuarial concepts and providing thought leadership for Prime’s existing and potential owners and clients. This position will collaborate with the Senior Principal Actuary to provide strategic consulting support, manage the development of innovative actuarial modeling concepts, and provide pricing support for all lines of business. This position will also lead complex projects that are highly visible to executives and across the organization.

**Responsibilities**

+ Collaborate as a subject matter expert (SME) with underwriters, other areas of Prime, and senior management on pricing initiatives, data analyses, and the Request For Proposal (RFP) process

+ Lead, manage, and review data analyses, reporting, and projections

+ Lead, manage, and review ad hoc complex pharmacy data mining and analyses to help investigate and answer challenging questions regarding actuarial data and concepts

+ Provide strategic pricing advice on structures and methodology using market research, financial projections, and complex actuarial modeling

+ Present results and analyses to key stakeholders, senior management, and clients; answer detailed and challenging questions regarding actuarial data

+ Lead and mentor Actuarial team members to enhance actuarial knowledge

+ Monitor the Health Policy environment considering the implication of organization pricing policies, law, and political changes that may impact client programs

+ Ensure all work is consistent with federal regulations and actuarial standards, as applicable

+ Other duties as assigned

**Minimum Qualifications​**

+ Bachelor’s degree in Math, Actuarial Science, Economics or Finance

+ 8 years of actuarial work experience to include 6 years in a healthcare organization or PBM

+ Actuarial designation (ASA or FSA)

+ Must be eligible to work in the United States without need for work visa or residency sponsorship

**Additional Qualifications**

+ Advanced level of proficiency in Excel; intermediate level of proficiency in SAS, SQL, or VBA

+ Excellent quantitative, problem solving, and analytical skills

+ Strong project management and organizational skills

+ Excellent verbal and written communication skills

+ Strong client consulting presence

+ Excellent presentation and facilitation skills

**Preferred Qualifications**

+ 8 years of actuarial work experience in a healthcare organization or PBM

+ Previous experience pricing Commercial, Medicare or Medicaid lines of businesses

+ 5 years of experience in SAS, SQL, or VBA

+ Previous experience in model building and underwriting or risk adjusted rate setting, or model development

+ Previous experience in identifying, designing, recommending, and implementing efficient, innovative business solutions to clients’ complex pharmacy benefit challenges

**Minimum Physical Job Requirements**

+ Constantly required to sit, use hands to handle or feel, talk and hear

+ Frequently required to reach with hands and arms

+ Occasionally required to stand, walk and stoop, kneel, and crouch

+ Occasionally required to lift and/or move up to 10 pounds and occasionally lift and/or move up to 25 pounds

+ Specific vision abilities required by this job include close vision, distance vision, color vision, peripheral vision, depth perception and ability to adjust focus

**Reporting Structure**

+ Reports to Senior Principal or Senior Director in the Finance department

Potential pay for this position ranges from $124,000.00 - $211,000.00 based on experience and skills.

To review our Benefits, Incentives and Additional Compensation, visit our Benefits Page (https://www.primetherapeutics.com/benefits) and click on the "Benefits at a glance" button for more detail.

_Prime Therapeutics LLC is proud to be an equal opportunity and affirmative action employer. We encourage diverse candidates to apply, and all qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sex (pregnancy, sexual orientation, and gender identity), national origin, disability, age, veteran status, or any other legally protected class under federal, state, or local law. _

_We welcome people of different backgrounds, experiences, abilities, and perspectives including qualified applicants with arrest and conviction records and any qualified applicants requiring reasonable accommodations in accordance with the law._

_Prime Therapeutics LLC is a Tobacco-Free Workplace employer._

Positions will be posted for a minimum of five consecutive workdays.

Prime Therapeutics' fast-paced and dynamic work environment is ideal for proactively addressing the constant changes in today's health care industry. Our employees are involved, empowered, and rewarded for their achievements. We value new ideas and work collaboratively to provide the highest quality of care and service to our members.

If you are looking to advance your career within a growing, team-oriented, award-winning company, apply to Prime Therapeutics today and start making a difference in people's lives.

Prime Therapeutics LLC is proud to be an equal opportunity and affirmative action employer. We encourage diverse candidates to apply, and all qualified applicants will receive consideration for employment without regard to race, color, religion, gender, sex (pregnancy, sexual orientation, and gender identity), national origin, disability, age, veteran status, or any other legally protected class under federal, state, or local law.

We welcome people of different backgrounds, experiences, abilities, and perspectives including qualified applicants with arrest and conviction records and any qualified applicants requiring reasonable accommodations in accordance with the law.

Prime Therapeutics LLC is a Tobacco-Free Workplace employer.

If you are an applicant with a disability and need a reasonable accommodation for any part of the employment process, please contact Human Resources at 1.866.469.1257 or email Careers@primetherapeutics.com.

**Alternate Locations:** Radnor, PA (Pennsylvania); Charlotte, NC (North Carolina); Fort Wayne, IN (Indiana); Greensboro, NC (North Carolina); Hartford, CT (Connecticut); Omaha, NE (Nebraska); Work from Home

**Work Arrangement:**

Remote : Work at home employee residing outside of a commutable distance to an office location.

**Relocation assistance:** is not available for this opportunity.

**Requisition #:** 74395

**The Role at a Glance**

We’re excited to bring on an Actuary, Annuity & RPS Strategic Modeling, to play an integral role in supporting strategic initiatives for Annuity and Retirement Plan Services business. This is a project-based role spanning multiple product lines. The responsibilities include, but are not limited to, modeling and quantification of new regulatory requirements, implementation of cutting-edge modeling techniques, model consolidation, and projection analysis. The candidate is ultimately expected to understand the model as well as the business and uncover key business insight for management.

The position will provide a great opportunity to gain exposure to a broad array of modeling purposes such as Valuation, Asset & Liability Management, Asset Adequacy Testing, Distributable Earnings and Free Cash Flow analysis as well as the opportunity to learn about the modeling techniques and tools used in the process.

**What you'll be doing**

+ Research, model, and analyze financial projections that directly impact and drive success for the Annuity and Retirement Plan Services business.

+ Develop and deliver insights on critical areas of focus, collaborating across key stakeholder groups including Corporate Finance, Risk Management, Capital Management, FP&A, Pricing, and M&A.

+ Collaborate with internal/external stakeholders on development and implementation of reporting tools, methods, and analytics to support ongoing reserve and capital monitoring and reporting.

+ Maintain and expand knowledge of annuity regulations, business trends and best practices. Stay current on potential regulation changes within the industry.

+ Ensure thorough and organized documentation of analysis and findings.

**What we’re looking for**

**_Must have:_**

+ Actuarial modeling and/or projection experience in GGY-AXIS

+ 7-10 years of actuarial experience, with substantial annuity experience

+ Strong understanding of regulatory/accounting/capital frameworks (STAT/GAAP/Tax, RBC, EC)

+ Understanding of capital markets and financial instruments (assets and derivatives) that support Annuity products

+ Excellent communication skills

+ Technical, programming, and problem-solving skills

+ Priority setting, time management, and organizational skills

+ FSA designation (preferred) or ASA designation (required)

**_ Nice to have:_**

+ Competency with Python, SQL, and Excel VBA

+ Experience working with data analytics and business intelligence tools (e.g. Dataiku, Tableau)

+ Familiarity with modern data science approaches

+ Annuity Pricing, ALM, CFT, and/or Financial Plan experience

**Application Deadline**

Applications for this position will be accepted through May 31st, 2025 subject to earlier closure due to applicant volume.

**What’s it like to work here?**

At Lincoln Financial Group, we love what we do. We make meaningful contributions each and every day to empower our customers to take charge of their lives. Working alongside dedicated and talented colleagues, we build fulfilling careers and stronger communities through a company that values our unique perspectives, insights and contributions and invests in programs that empower each of us to take charge of our own future.

**What’s in it for you:**

+ Clearly defined career tracks and job levels, along with associated behaviors for each Lincoln leadership Attribute.

+ Leadership development and virtual training opportunities

+ PTO/parental leave

+ Competitive 401K and employee benefits (https://hrdirectdocs.lfg.com/misc/HR/Recruiting/BenefitsResourcesGuide.pdf)

+ Free financial counseling, health coaching and employee assistance program

+ Tuition assistance program

+ A leadership team that prioritizes your health and well-being; offering a remote work environment and flexible work hybrid situations

+ Effective productivity/technology tools and training

The pay range for this position is $108,501 - $195,900 with **anticipated pay for new hires between the minimum and midpoint of the range** and could vary above and below the listed range as permitted by applicable law. Pay is based on non-discriminatory factors including but not limited to work experience, education, location, licensure requirements, proficiency and qualifications required for the role. The base pay is just one component of Lincoln’s total rewards package for employees. In addition, the role may be eligible for the Annual Incentive Program, which is discretionary and based on the performance of the company, business unit and individual. Other rewards may include long-term incentives, sales incentives and Lincoln’s standard benefits package.

**About The Company**

Lincoln Financial Group helps people to plan, protect and retire with confidence. As of Dec. 31, 2023, approximately 17 million customers trust our guidance and solutions across four core businesses – annuities, life insurance, group protection and retirement plan services. As of December 31, 2023, the company had $295 billion in end-of-period account balances, net of reinsurance. Headquartered in Radnor, Pa., Lincoln Financial Group is the marketing name for Lincoln National Corporation (NYSE: LNC) and its affiliates. Learn more at LincolnFinancial.com.

Lincoln is committed to creating a diverse and inclusive (https://www.lfg.com/public/aboutus/companyoverview/diversityinclusion?audience\_page\_id=1422918942386) environment and is proud to be an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, gender, gender identity or expression, sexual orientation, national origin, genetics, disability, age, or veteran status.

Follow us on Facebook (http://www.facebook.com/lincolnfinancialgroup) , X (https://mobile.twitter.com/lincolnfingroup) , LinkedIn (https://www.linkedin.com/company/4307?trkInfo=tas%3Alincoln+financial%2Cidx%3A3-1-3&trk=tyah) , and Instagram (https://www.instagram.com/lincolnfingroup/) . For the latest company news, visit our newsroom (https://www.lincolnfinancial.com/public/aboutus/newsroom) .

**Be Aware of Fraudulent Recruiting Activities**

If you are interested in a career at Lincoln, we encourage you to review our current openings and apply on our website. Lincoln values the privacy and security of every applicant and urges all applicants to diligently protect their sensitive personal information from scams targeting job seekers. These scams can take many forms including fake employment applications, bogus interviews and falsified offer letters.

Lincoln will not ask applicants to provide their social security numbers, date of birth, bank account information or other sensitive information in job applications. Additionally, our recruiters do not communicate with applicants through free e-mail accounts (Gmail, Yahoo, Hotmail) or conduct interviews utilizing video chat rooms. We will never ask applicants to provide payment during the hiring process or extend an offer without conducting a phone, live video or in-person interview. Please contact Lincoln's fraud team at fraudhotline@lfg.com if you encounter a recruiter or see a job opportunity that seems suspicious.

**Additional Information**

This position may be subject to Lincoln’s Political Contribution Policy. An offer of employment may be contingent upon disclosing to Lincoln the details of certain political contributions. Lincoln may decline to extend an offer or terminate employment for this role if it determines political contributions made could have an adverse impact on Lincoln’s current or future business interests, misrepresentations were made, or for failure to fully disclose applicable political contributions and or fundraising activities.

Any unsolicited resumes or candidate profiles submitted through our web site or to personal e-mail accounts of employees of Lincoln Financial Group are considered property of Lincoln Financial Group and are not subject to payment of agency fees.

Lincoln Financial Group (“LFG”) is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex (including pregnancy), age, national origin, disability, sexual orientation, gender identity and expression, Veteran status, or genetic information. Applicants are evaluated on the basis of job qualifications. If you are a person with a disability that impedes your ability to express your interest for a position through our online application process, or require TTY/TDD assistance, contact us by calling 260-455-2558.

This Employer Participates in E-Verify. See the E-Verify (https://www.e-verify.gov) notices.

Este Empleador Participa en E-Verify. Ver el E-Verify (https://www.e-verify.gov/es) avisos.

Lincoln Financial Group ("LFG") is an Equal Opportunity employer and, as such, is committed in policy and practice to recruit, hire, compensate, train and promote, in all job classifications, without regard to race, color, religion, sex (including pregnancy), age, national origin, disability, sexual orientation, gender identity and expression, veterans status, or genetic information. Opportunities throughout LFG are available to employees and applicants and are evaluated on the basis of job qualifications. We have a drug free work environment and we perform pre-employment substance abuse testing.

**Description**

Candidates located in any of the following cities will be considered:

Dallas, TX, Austin, TX, Houston, TX, Irvine CA, Los Angeles, CA, San Francisco, CA, Seattle, WA, Portland, OR, Denver, CO

As a Health and Benefits Financial/Actuarial Director, you will serve as the financial lead for large, complex client assignments. You’ll leverage your experience as a benefits financial/actuarial expert to make strategic recommendations on funding, plan design and innovative financial solutions. You will apply your financial management and data analytics expertise to solve complex client problems and to lead the development of new H&B intellectual capital.

+ Communicates and delivers complex concepts and financial/actuarial/analytic results to effectively drive client action and improve plan performance

+ Leads Medium to Large clients’ financial/actuarial engagements

+ ​Develops and delivers the financial/actuarial strategy for a portfolio of Medium and/or Large clients

+ Drives revenue growth through client sales of additional actuarial, financial, and/or risk solutions

+ Provides consulting quality reviews and client delivery for all types of financial/actuarial deliverables​

+ Guides team (regional and global) on deliverables based on client need; review models and presentations for client delivery​

+ Builds relationships internally and collaborates effectively on cross-functional teams

**Qualifications**

+ 10+ years’ experience and demonstrated success in the delivery of complex health and welfare financial/actuarial strategies and analysis in a consulting or brokerage environment

+ Proven ability to generate revenue

+ Track record of success in managing and growing client relationships

+ Deep understanding and expert knowledge in all aspects of employee benefit plan design, underwriting and funding concepts

+ Proven ability to lead data analytic projects

+ Interest and aptitude in keeping abreast of latest developments in health and welfare plan strategy and leading the development of new intellectual capital

+ Ability to leverage judgement and past experiences to predict which methods will work

+ Multiple years of experience across one or multiple client segments

+ An executive presence with polished and well developed written and oral communication skills

+ Superior ability to influence and collaborate with senior management and work across all levels of an organization

+ Excellent Microsoft Office skills, particularly in Excel and PowerPoint

+ State Life and Health license required within 90 days of joining

+ Actuarial designation and current continuing education (optional)

Note: Employment-based non-immigrant visa sponsorship and/or assistance is not offered for this specific job opportunity.

This position will remain posted for a minimum of three business days from the date posted or until a sufficient/appropriate candidate slate has been identified.

**Compensation and Benefits**

Base salary range and benefits information for this position are being included in accordance with requirements of various state/local pay transparency legislation. Please note that salaries may vary for different individuals in the same role based on several factors, including but not limited to location of the role, individual competencies, education/professional certifications, qualifications/experience, performance in the role and potential for revenue generation (Producer roles only).

**Compensation**

The base salary compensation range being offered for this role is $140,000.00 to $185,000.00 USD per year.

This role is also eligible for an annual short-term incentive bonus.

**Company Benefits**

WTW provides a competitive benefit package which includes the following (eligibility requirements apply):

+ **Health and Welfare Benefits:** Medical (including prescription coverage), Dental, Vision, Health Savings Account, Commuter Account, Health Care and Dependent Care Flexible Spending Accounts, Group Accident, Group Critical Illness, Life Insurance, AD&D, Group Legal, Identify Theft Protection, Wellbeing Program and Work/Life Resources (including Employee Assistance Program)

+ **Leave Benefits:** Paid Holidays, Annual Paid Time Off (includes paid state/local paid leave where required), Short-Term Disability, Long-Term Disability, Other Leaves (e.g., Bereavement, FMLA, ADA, Jury Duty, Military Leave, and Parental and Adoption Leave), Paid Time Off (https://cdn-static.findly.com/wp-content/uploads/sites/1862/2023/01/31091722/Washington-State-Time-Off.pdf) ( _Washington State only_ )

+ **Retirement Benefits:** Contributory Pension Plan and Savings Plan (401k).

**The position allows for flexible working:**

At WTW, we trust you to know your work and the people, tools and environment you need to be successful. The majority of our colleagues work in a ”hybrid” style, with a mix of remote, in-person and in-office interactions dependent on the needs of the team, role and clients. Our flexibility is rooted in trust and “hybrid” is not a one-size-fits-all solution.

We understand flexibility is key to supporting an inclusive and diverse workforce and so we encourage requests for all types of flexible working as well as location-based arrangements. Please speak to your recruiter to discuss more.

**Description**

This position is open to candidates located in Dallas, Houston, Austin, Phoenix, Denver, Portland, Seattle, Irvine, Los Angeles or San Francisco. This is a hybrid role; the selected colleague must be willing and able to work out of a WTW office.

As a Healthcare Financial/Actuarial Director you will be a key member of the Financial Actuarial & Analytics (FAA) Community of Expertise. You will lead clients’ financial/actuarial engagements for a portfolio of clients and/or significantly contribute to complex clients across the full spectrum of employer health and group benefit programs including medical, dental, life, disability, etc. In partnership with Client Service colleagues, you will communicate FAA concepts, strategies and results that effectively drive client action and improve plan performance. Will have the opportunity to work on cutting edge projects alongside leaders in the industry.

**Duties:**

+ Communicates and delivers complex concepts and financial/actuarial/analytic results to effectively drive client action and improve plan performance

+ Leads medium to large clients’ financial/actuarial engagements

+ ​Develops and delivers the financial/actuarial strategy for a portfolio of Medium and/or large clients

+ Drives revenue growth through client sales of additional actuarial, financial, and/or risk solutions

+ Provides consulting quality reviews and client delivery for all types of financial/actuarial deliverables​

+ Guides team (regional and global) on deliverables based on client need; review models and presentations for client delivery​

+ Builds relationships internally and collaborates effectively on cross-functional teams

**Qualifications**

+ 10+ years’ experience and demonstrated success in the delivery of complex health and welfare financial/actuarial strategies and analysis in a consulting or brokerage environment

+ Proven ability to generate revenue

+ Track record of success in managing and growing client relationships

+ Deep understanding and expert knowledge in all aspects of employee benefit plan design, underwriting and funding concepts

+ Proven ability to lead data analytic projects

+ Interest and aptitude in keeping abreast of latest developments in health and welfare plan strategy and leading the development of new intellectual capital

+ Ability to leverage judgement and past experiences to predict which methods will work

+ Multiple years of experience across one or multiple client segments

+ An executive presence with polished and well developed written and oral communication skills

+ Superior ability to influence and collaborate with senior management and work across all levels of an organization

+ Excellent Microsoft Office skills, particularly in Excel and PowerPoint

+ State Life and Health license required within 90 days of joining

+ Actuarial designation and current continuing education preferred.

Note: Employment-based non-immigrant visa sponsorship and/or assistance is not offered for this specific job opportunity.

Equal Opportunity Employer

This position will remain posted for a minimum of three business days from the date posted or until a sufficient/appropriate candidate slate has been identified.

**Compensation and Benefits**

Base salary range and benefits information for this position are being included in accordance with requirements of various state/local pay transparency legislation. Please note that salaries may vary for different individuals in the same role based on several factors, including but not limited to location of the role, individual competencies, education/professional certifications, qualifications/experience, performance in the role and potential for revenue generation (Producer roles only).

**Compensation**

The base salary compensation range being offered for this role is $140,000.00 - $180,000.00 USD per year.

This role is also eligible for an annual short-term incentive bonus.

**Company Benefits**

WTW provides a competitive benefit package which includes the following (eligibility requirements apply):

+ **Health and Welfare Benefits:** Medical (including prescription coverage), Dental, Vision, Health Savings Account, Commuter Account, Health Care and Dependent Care Flexible Spending Accounts, Group Accident, Group Critical Illness, Life Insurance, AD&D, Group Legal, Identify Theft Protection, Wellbeing Program and Work/Life Resources (including Employee Assistance Program)

+ **Leave Benefits:** Paid Holidays, Annual Paid Time Off (includes paid state/local paid leave where required), Short-Term Disability, Long-Term Disability, Other Leaves (e.g., Bereavement, FMLA, ADA, Jury Duty, Military Leave, and Parental and Adoption Leave), Paid Time Off (https://cdn-static.findly.com/wp-content/uploads/sites/1862/2023/01/31091722/Washington-State-Time-Off.pdf) ( _Washington State only_ )

+ **Retirement Benefits:** Contributory Pension Plan and Savings Plan (401k).

At WTW, we trust you to know your work and the people, tools and environment you need to be successful. The majority of our colleagues work in a ”hybrid” style, with a mix of remote, in-person and in-office interactions dependent on the needs of the team, role and clients. Our flexibility is rooted in trust and “hybrid” is not a one-size-fits-all solution.

We understand flexibility is key to supporting an inclusive and diverse workforce and so we encourage requests for all types of flexible working as well as location-based arrangements. Please speak to your recruiter to discuss more.

**Description**

As a Healthcare Financial/Actuarial Associate Director you will be a key member of the Financial Actuarial & Analytics (FAA) Community of Expertise. You will lead clients’ financial/actuarial engagements for a portfolio of clients and/or significantly contribute to complex clients across the full spectrum of employer health and group benefit programs including medical, dental, life, disability, etc. In partnership with Client Service colleagues, you will communicate FAA concepts, strategies and results that effectively drive client action and improve plan performance and will have the opportunity to work on cutting edge projects alongside leaders in the industry.

Duties:

+ Expands knowledge of varying client complexity by working across different client profiles

+ Leads clients’ financial/actuarial engagements for a portfolio of small clients or manages FAA resources on more complex clients and/or deliverables

+ Demonstrates clear understanding of the FAA service catalogue and advanced knowledge in all aspects of benefit plan design, underwriting/funding and post-retirement/employment concepts

+ Develops and maintains ongoing relationships with employers’ and vendors’ primary contacts to build and enhance WTW and H&B’s brand

+ May contribute to intellectual capital development

+ Supports new business, expansion and cross-selling activities

+ Guides teams on cost avoidance, risk and funding strategies and deliverables based on client need

+ ​Provides leadership to more junior colleagues on FAA concepts, strategies and tools

+ Reviews technical & consulting accuracy on client projects, including developing pricing and employee contributions strategies, modeling plan design alternatives and calculating reserves

+ Partners with Global Delivery Centers and Client Service teams to deliver superior project management

+ Builds strong relationships internally and collaborates effectively on cross-functional teams

**Qualifications**

+ 8+ years’ experience in professional services, ideally gained in a benefit consulting/brokerage firm or health underwriting / actuarial function of an insurance company

+ Experience working across multiple client segments

+ Advanced knowledge of broad health and welfare products & services

+ Knowledge and experience using big data analytic techniques

+ Expert knowledge of cost avoidance, risk and funding strategies

+ Subject matter expertise on emerging trends

+ Proven ability to lead multiple clients/projects simultaneously and produce quality deliverables on time and within budget

+ Successful experience in expanding client relationships through selling add-on services

+ Comfort and ability to quickly adapt to changing circumstances or demands, and helping the team do the same

+ Well developed written and verbal communication skills

+ Ability to guide work of more junior colleagues and provide feedback

+ Excellent Microsoft Office skills, particularly in Excel and PowerPoint

+ State Life and Health license required within 90 days of joining

+ Relevant financial experience and/or university degree

+ Progress towards completion of health actuarial designation or CEBS designation (optional)

This position will remain posted for a minimum of three business days from the date posted or until a sufficient/appropriate candidate slate has been identified.

Note: Employment-based non-immigrant visa sponsorship and/or assistance is not offered for this specific job opportunity.

**Compensation and Benefits**

Base salary range and benefits information for this position are being included in accordance with requirements of various state/local pay transparency legislation. Please note that salaries may vary for different individuals in the same role based on several factors, including but not limited to location of the role, individual competencies, education/professional certifications, qualifications/experience, performance in the role.

**Compensation**

The base salary compensation range being offered for this role is $140,000 -$200,000 USD per year..

This role is also eligible for an annual short-term incentive bonus.

**Company Benefits**

WTW provides a competitive benefit package which includes the following (eligibility requirements apply):

+ **Health and Welfare Benefits:** Medical (including prescription coverage), Dental, Vision, Health Savings Account, Commuter Account, Health Care and Dependent Care Flexible Spending Accounts, Group Accident, Group Critical Illness, Life Insurance, AD&D, Group Legal, Identify Theft Protection, Wellbeing Program and Work/Life Resources (including Employee Assistance Program)

+ **Leave Benefits:** Paid Holidays, Annual Paid Time Off (includes paid state/local paid leave where required), Short-Term Disability, Long-Term Disability, Other Leaves (e.g., Bereavement, FMLA, ADA, Jury Duty, Military Leave, and Parental and Adoption Leave), Paid Time Off (https://cdn-static.findly.com/wp-content/uploads/sites/1862/2023/01/31091722/Washington-State-Time-Off.pdf) ( _Washington State only_ )

+ **Retirement Benefits:** Contributory Pension Plan and Savings Plan (401k).

At WTW, we trust you to know your work and the people, tools and environment you need to be successful. The majority of our colleagues work in a ”hybrid” style, with a mix of remote, in-person and in-office interactions dependent on the needs of the team, role and clients. Our flexibility is rooted in trust and “hybrid” is not a one-size-fits-all solution.

We understand flexibility is key to supporting an inclusive and diverse workforce and so we encourage requests for all types of flexible working as well as location-based arrangements. Please speak to your recruiter to discuss more..

**Description**

As a Healthcare Financial/Actuarial Senior Associate you will be a key member of the Financial Actuarial & Analytics (FAA) Community of Expertise. You will substantially contribute to a wide variety of complex analyses and projects involving the design, financing, and measurement and financial analysis of the full spectrum of employer health and group benefit programs including medical, dental, life, disability, voluntary benefits, etc. You will interface with vendors and client service teams, prepare and communicate complex analyses to clients, and ensure quality standards are met. You will have the opportunity to position yourself to lead financial project with small-to-midsized clients, and work on cutting edge projects alongside leaders in the industry.

+ Develops knowledge of varying client complexity by working across different client profiles and roles, including leading clients’ financial/actuarial engagements for a portfolio of small clients or managing FAA resources to coordinate effective and efficient delivery of more complex client deliverables

+ Demonstrates an advanced/expert knowledge in all aspects of employee benefit plan design, underwriting and funding concepts and H&B tools

+ Is a key member on multiple employer client teams providing financial analyses, outputs and client deliverables across a region

+ Provides direction on benefit plan analysis, design, cost avoidance, risk and funding strategies

+ ​Reviews technical & consulting accuracy on client projects, including developing pricing and employee contributions strategies, modelling plan design alternatives and calculating reserves

+ Communicates complex financial/actuarial/analytic results to effectively drive client action

+ Partners with Global Delivery Centers and Client Service teams to deliver superior project management

+ Build strong relationships internally and collaborate effectively on cross-functional teams

**Qualifications**

+ 5+ years’ experience in professional services, ideally gained in a benefit consulting/brokerage firm or health underwriting / actuarial function of an insurance company

+ Advanced knowledge of health and welfare products & services

+ Experience with big data analytic techniques preferred

+ Advanced knowledge of underwriting and funding concepts

+ Proven ability to lead multiple projects simultaneously and produce quality deliverables on time and within budget

+ Desire and ability to expand relationships with clients

+ Proven ability to identify and resolve issues with limited information and experience

+ Polished and well developed written and verbal communication skills

+ Self-starter attitude and ability to work independently and as part of a team

+ Strong analytical, creative and integrative skills

+ Ability to direct work of more junior colleagues and provide feedback

+ Excellent Microsoft Office skills, particularly in Excel and PowerPoint

+ State Life and Health license required within 90 days of joining

+ Relevant financial experience and/or university degree

+ Progress towards completion of health actuarial designation or CEBS designation (optional)

Note: Employment-based non-immigrant visa sponsorship and/or assistance is not offered for this specific job opportunity.

This position will remain posted for a minimum of three business days from the date posted or until a sufficient/appropriate candidate slate has been identified.

**Compensation and Benefits**

Base salary range and benefits information for this position are being included in accordance with requirements of various state/local pay transparency legislation. Please note that salaries may vary for different individuals in the same role based on several factors, including but not limited to location of the role, individual competencies, education/professional certifications, qualifications/experience, performance in the role and potential for revenue generation (Producer roles only).

**Compensation**

The base salary compensation range being offered for this role is $90,000.00 to $130,000.00 USD per year.

This role is also eligible for an annual short-term incentive bonus.

**Company Benefits**

WTW provides a competitive benefit package which includes the following (eligibility requirements apply):

+ **Health and Welfare Benefits:** Medical (including prescription coverage), Dental, Vision, Health Savings Account, Commuter Account, Health Care and Dependent Care Flexible Spending Accounts, Group Accident, Group Critical Illness, Life Insurance, AD&D, Group Legal, Identify Theft Protection, Wellbeing Program and Work/Life Resources (including Employee Assistance Program)

+ **Leave Benefits:** Paid Holidays, Annual Paid Time Off (includes paid state/local paid leave where required), Short-Term Disability, Long-Term Disability, Other Leaves (e.g., Bereavement, FMLA, ADA, Jury Duty, Military Leave, and Parental and Adoption Leave), Paid Time Off (https://cdn-static.findly.com/wp-content/uploads/sites/1862/2023/01/31091722/Washington-State-Time-Off.pdf) ( _Washington State only_ )

+ **Retirement Benefits:** Contributory Pension Plan and Savings Plan (401k).

**The position allows for flexible working:**

At WTW, we trust you to know your work and the people, tools and environment you need to be successful. The majority of our colleagues work in a ”hybrid” style, with a mix of remote, in-person and in-office interactions dependent on the needs of the team, role and clients. Our flexibility is rooted in trust and “hybrid” is not a one-size-fits-all solution.

We understand flexibility is key to supporting an inclusive and diverse workforce and so we encourage requests for all types of flexible working as well as location-based arrangements. Please speak to your recruiter to discuss more.

**General information**

**Ref #** 19474

**Remote?** Yes

**Ally and Your Career**

*

Ally Financial only succeeds when its people do - and that’s more than some cliché people put on job postings. We live this stuff! We see our people as, well, people - with interests, families, friends, dreams, and causes that are all important to them. Our focus is on the health and safety of our teammates as well as work-life balance and diversity and inclusion. From generous benefits to a variety of employee resource groups, we strive to build paths that encourage employees to stretch themselves professionally. We want to help you grow, develop, and learn new things. You’re constantly evolving, so shouldn’t your opportunities be, too?

**The Opportunity**

This role is Detroit Hybrid preferred, however remote option possible

The Senior Actuarial Analyst is responsible for developing and supporting a robust reserving framework at Ally Insurance. The Senior Actuarial Analyst will be expected to independently lead projects from start to finish. This includes brainstorming, accurately executing advanced analytics, and effectively communicating results to Management and Senior Leadership. This role will have high visibility to Leadership and future advancement opportunities. Ideal candidates will have demonstrated leadership, communication, and technical skills. Programming skills a must. SQL/R/Python preferred.

**The Work Itself**

* Support a reserving framework for insurance business, including both standard actuarial techniques and advanced modeling
* Lead, develop, and communicate advanced analytics to Management and Senior Leadership
* Foster innovation within the team and across the broader organization
* Work collaboratively as a part of the product development, pricing, and/or reserving processes
* Develop reserve indications, produce reserve ranges, and perform advance analytics
* Support development of themselves and other associates in an actuarial capacity and according to Ally vision and mission statement

**The Skills You Bring**

* ACAS or near ACAS preferred; 5 or more Casualty Actuarial Society exams required
* 4+ years of experience in actuarial or data science roles; exposure to advanced ratemaking and/or reserving a plus
* Strong communication and relationship building skills
* Ability to adapt to change and adjust priorities quickly, as necessary and appropriate
* High level of problem solving and critical thinking capabilities
* Well-organized and detail-oriented
* Highly motivated and self-directed
* Minimum of Bachelor’s degree in risk management, finance, economics, actuarial science, mathematics, statistics, or related field
* Programming skills in SQL/R/Python
* Must be authorized to work in the US on a permanent basis

\#LI-Remote
\#LI-Hybrid
\#LI-DFS

**How We'll Have Your Back**

*

Ally's compensation program offers market-competitive base pay and pay-for-performance incentives (bonuses) based on achieving personal and company goals. But Ally’s total compensation - or total rewards - extends beyond your paycheck and is designed to support and enrich your personal and professional life, including:
* Time Away: competitive holiday and flexible paid-time-off, including time off for volunteering and voting.
* Planning for the Future: plan for the near and long term with an industry-leading 401K retirement savings plan with matching and company contributions, student loan and 529 educational assistance programs, tuition reimbursement, and other financial well-being programs.
* Supporting your Health & Well-being: flexible health and insurance options including dental and vision, pre-tax Health Savings Account with employer contributions and a total well-being program that helps you and your family stay on track physically, socially, emotionally, and financially.
* Building a Family: adoption, surrogacy, and fertility support as well as parental and caregiver leave, back-up child and adult/elder day care program and childcare discounts.
* Work-Life Integration: other benefits including LifeMatters® Employee Assistance Program, subsidized and discounted Weight Watchers® program and other employee discount programs.

Who We Are:

Ally Financial is a customer-centric, leading digital financial services company with passionate customer service and innovative financial solutions. We are relentlessly focused on "Doing it Right" and being a trusted financial-services provider to our consumer, commercial, and corporate customers. For more information, visit www.ally.com.

Ally is an equal opportunity employer committed to diversity and inclusion in the workplace. All qualified applicants will receive consideration for employment without regard to age, race, color, sex, religion, national origin, disability, sexual orientation, gender identity or expression, pregnancy status, marital status, military or veteran status, genetic disposition or any other reason protected by law.

Where permitted by applicable law, must have received or be willing to receive the COVID-19 vaccine by date of hire to be considered, if not currently employed by Ally.

We are committed to working with and providing reasonable accommodation to applicants with physical or mental disabilities. For accommodation requests, email us at work@ally.com. Ally will not discriminate against any qualified individual who is capable of performing the essential functions of the job with or without reasonable accommodation.

**_Base Pay Range:_**

An individual's position in the range is determined by the scope and responsibilities of the role, work experience, education, certification(s), training, and additional qualifications. We review internal pay, the competitive market, and business environment prior to extending an offer.

**Emerging:** 85000

**Experienced:** 117500

**Expert:** 150000

Incentive Compensation: This position is eligible to participate in our annual incentive plan