Actuaries

Bring your heart to CVS Health. Every one of us at CVS Health shares a single, clear purpose: Bringing our heart to every moment of your health. This purpose guides our commitment to deliver enhanced human-centric health care for a rapidly changing world. Anchored in our brand — with heart at its center — our purpose sends a personal message that how we deliver our services is just as important as what we deliver. Our Heart At Work Behaviors™ support this purpose. We want everyone who works at CVS Health to feel empowered by the role they play in transforming our culture and accelerating our ability to innovate and deliver solutions to make health care more personal, convenient and affordable.

Position Summary

Do you want to make a large impact in your next finance role? Join CVS Health, a Fortune 5 organization, as an actuary where you can learn the dynamic and complex nature of the Pharmacy management in the Pharmacy Benefit Manager with the largest market share in the US. With over $140B in revenue – more than half of the CVS enterprise – the Pharmacy Services Segment would be #18 on Fortune list as its own entity!

As a Lead Director – Actuarial Risk Products and Assumptions, you would lead a team supporting key elements of the risk we take in our PBM underwriting process, including model assumptions, unique client guarantees and new product initiatives. In this role, you will be frequently engaging with various stakeholders and frequently working under tight deadlines. Some of your key responsibilities will include:

+ Partner with Strategy team and Underwriting leadership to provide risk assessment and support for new client risk guarantees and products being considered

+ Provide support for broader actuarial priorities, such as benchmarking or ad-hoc financial analyses, trend experience analysis and commercial client consulting.

+ Partner with data analytics teams to identify opportunities of leveraging new data capabilities to assess risk in innovative ways.

+ Lead the formation of a new Underwriting Assumptions team to improve the leadership accountability, analyses and implementation governance of key assumptions supporting our UW processes.

+ Engagement with cross-functional internal stakeholders such as Finance, Clinical, Trade and Network teams in setting assumptions.

To be successful, you will need to develop a solid understanding of the PBM underwriting models, a customer-centric mindset, an ability to risk-assess complex problems and recommend solutions and communicate effectively with leadership teams to bring accountability and awareness to key assumptions. Being a strong people leader and collaborating effectively with stakeholders across the ecosystem will also be essential to success, especially as a new team underneath you.Required Qualifications

* 10+ years of actuarial or relatable experience

* Attainment of ASA or FSA designation

* Past experience as a people leader

Preferred Qualifications

* 7+ years of experience in the PBM or healthcare industry

* Exceptional self-directed ability to problem solve new situations, both as an individual contributor and as a people leader.

* Diverse experiences that demonstrate an ability to learn quickly

* Able to synthesize complex information in complex tools to drive solutions

* Exceptional communication skills, including bringing clarity to complex situations to both technical and non-technical audiences, engaging with senior leadership and effectively managing tight deliverable timelines.

* Adaptability and ability to prioritize effectively

Education

* Bachelor's Degree is required

* Master’s degree is preferred

* Equivalent Combination of education and experience may be considered.

Pay Range

The typical pay range for this role is:

$100,000.00 - $231,500.00

This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above. This position also includes an award target in the company’s equity award program. In addition to your compensation, enjoy the rewards of an organization that puts our heart into caring for our colleagues and our communities. The Company offers a full range of medical, dental, and vision benefits. Eligible employees may enroll in the Company’s 401(k) retirement savings plan, and an Employee Stock Purchase Plan is also available for eligible employees. The Company provides a fully-paid term life insurance plan to eligible employees, and short-term and long term disability benefits. CVS Health also offers numerous well-being programs, education assistance, free development courses, a CVS store discount, and discount programs with participating partners. As for time off, Company employees enjoy Paid Time Off (“PTO”) or vacation pay, as well as paid holidays throughout the calendar year. Number of paid holidays, sick time and other time off are provided consistent with relevant state law and Company policies. For more detailed information on available benefits, please visit jobs.CVSHealth.com/benefits

We anticipate the application window for this opening will close on: 04/09/2024

CVS Health requires certain colleagues to be fully vaccinated against COVID-19 (including any booster shots if required), where allowable under the law, unless they are approved for a reasonable accommodation based on disability, medical condition, religious belief, or other legally recognized reasons that prevents them from being vaccinated.

You are required to have received at least one COVID-19 shot prior to your first day of employment and to provide proof of your vaccination status or apply for a reasonable accommodation within the first 10 days of your employment. Please note that in some states and roles, you may be required to provide proof of full vaccination or an approved reasonable accommodation before you can begin to actively work.

CVS Health is committed to recruiting, hiring, developing, advancing, and retaining individuals with disabilities. As such, we strive to provide equal access to the benefits and privileges of employment, including the provision of a reasonable accommodation to perform essential job functions. CVS Health can provide a request for a reasonable accommodation, including a qualified interpreter, written information in other formats, translation or other services through [email protected] If you have a speech or hearing disability, please call 7-1-1 to utilize Telecommunications Relay Services (TRS). We will make every effort to respond to your request within 48 business hours and do everything we can to work towards a solution.

Bring your heart to CVS Health. Every one of us at CVS Health shares a single, clear purpose: Bringing our heart to every moment of your health. This purpose guides our commitment to deliver enhanced human-centric health care for a rapidly changing world. Anchored in our brand — with heart at its center — our purpose sends a personal message that how we deliver our services is just as important as what we deliver. Our Heart At Work Behaviors™ support this purpose. We want everyone who works at CVS Health to feel empowered by the role they play in transforming our culture and accelerating our ability to innovate and deliver solutions to make health care more personal, convenient and affordable.

**Preferred location for this position is Scottsdale, AZ or Northbrook, IL but can be fully remote for highly qualified candidates** Do you want to make a impact in your next finance role? There is no better place than as an Underwriting Sr. Pricing Analyst (Individual Contributor) in our Client Financial Analysis and Proposals department. As an Sr. Pricing Analyst, you will support Sales in growing our business by forecasting the profitability of multiple client pricing options and participate in the development of CVS Health’s pricing strategy to retain existing business and continue to win new accounts. This high impact individual contributor role is critical to how CVS Health is expanding in the healthcare and pharmacy benefits management (PBM) industry. Our Underwriting Sr. Pricing Analyst work in concert with our Sales, Strategic Proposals Management, and Analytic Consulting Services teams to provide our healthcare clients with enhanced pricing options and analytical insights to make more informed business decision that meet the needs of a rapidly changing healthcare marketplace. Some of your key responsibilities will include: - Collaborating with Underwriting leadership, Sales and Account Services to provide recommendations on pricing and negotiation strategy

- Developing and maintaining domain expertise across multiple levers of PBM and Enterprise profitability, including retail networking, enterprise dispensing, specialty dispensing, pharmaceutical manufacturer rebates, MAC pricing, and other product/clinical service offerings - Preparing client Profit and Loss (P&L) statements and financial forecasts for multi-year PBM contracts - Presenting financial forecasts and recommendations to Executive Leadership during Executive Underwriting Approval Calls- Reviewing and completing financial sections of Requests for Proposals (RFPs) for PBM services

REQUIRED QUALIFICATIONS:

- 3 or more years financial analysis, pricing, or underwriting experienced required - Highly proficient in Microsoft Excel. Proficient in other Microsoft business applications.

PREFERRED QUALIFICATIONS:

- 3-5 years of pricing or financial analysis experience - Experience in health insurance, managed care, or prescription drug industry - Strong presentation and communication skills with experience presenting to various business groups

EDUCATION:

- Bachelor’s Degree required, preferably in Finance, Mathematics, Economics or related field; or equivalent work experience may be considered - Master’s Degree or MBA preferred

Pay Range

The typical pay range for this role is:

$43,700.00 - $100,000.00

This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above. In addition to your compensation, enjoy the rewards of an organization that puts our heart into caring for our colleagues and our communities. The Company offers a full range of medical, dental, and vision benefits. Eligible employees may enroll in the Company’s 401(k) retirement savings plan, and an Employee Stock Purchase Plan is also available for eligible employees. The Company provides a fully-paid term life insurance plan to eligible employees, and short-term and long term disability benefits. CVS Health also offers numerous well-being programs, education assistance, free development courses, a CVS store discount, and discount programs with participating partners. As for time off, Company employees enjoy Paid Time Off (“PTO”) or vacation pay, as well as paid holidays throughout the calendar year. Number of paid holidays, sick time and other time off are provided consistent with relevant state law and Company policies. For more detailed information on available benefits, please visit jobs.CVSHealth.com/benefits

We anticipate the application window for this opening will close on: 04/09/2024

CVS Health requires certain colleagues to be fully vaccinated against COVID-19 (including any booster shots if required), where allowable under the law, unless they are approved for a reasonable accommodation based on disability, medical condition, religious belief, or other legally recognized reasons that prevents them from being vaccinated.

You are required to have received at least one COVID-19 shot prior to your first day of employment and to provide proof of your vaccination status or apply for a reasonable accommodation within the first 10 days of your employment. Please note that in some states and roles, you may be required to provide proof of full vaccination or an approved reasonable accommodation before you can begin to actively work.

CVS Health is committed to recruiting, hiring, developing, advancing, and retaining individuals with disabilities. As such, we strive to provide equal access to the benefits and privileges of employment, including the provision of a reasonable accommodation to perform essential job functions. CVS Health can provide a request for a reasonable accommodation, including a qualified interpreter, written information in other formats, translation or other services through [email protected] If you have a speech or hearing disability, please call 7-1-1 to utilize Telecommunications Relay Services (TRS). We will make every effort to respond to your request within 48 business hours and do everything we can to work towards a solution.

Optum is a global organization that delivers care, aided by technology to help millions of people live healthier lives. The work you do with our team will directly improve health outcomes by connecting people with the care, pharmacy benefits, data and resources they need to feel their best. Here, you will find a culture guided by diversity and inclusion, talented peers, comprehensive benefits and career development opportunities. Come make an impact on the communities we serve as you help us advance health equity on a global scale. Join us to start **Caring. Connecting. Growing together.**

**In joining the Optum Advisory Trend Analytics Consulting team:** you’ll be part of a team that is a leader in health care cost analytics, with a proven track record of supporting health plans across the country though a diverse staff of Actuaries, Data/Research Analysts, and Business/Technology Consultants. Our consulting team has continued to expand capabilities and our consulting presence by identifying, developing, and executing on new and exciting business opportunities.

As a member of our high-performing team, you'll help support Optum's growth and financial goals while you help shape our future. As an Actuarial Director, you will be empowered, supported, and encouraged to use your actuarial expertise as you perform financial analysis and build models that improve health plan competitiveness.

You’ll enjoy the flexibility to work remotely * from anywhere within the U.S. as you take on some tough challenges.

**Primary Responsibilities:**

The Actuarial Manager in this role will work with detailed health care claims data to build and maintain actuarial models to support financial analysis; Diagnose an issues root causes and propose solutions on how to solve issues; Apply their technical skills to complex analyses to draw key insights that reflect an understanding of the overall consulting engagement; Effectively create visually appealing, client-ready, and accurate deliverables; Successfully construct logical storylines and manage client questions in areas of content knowledge.

+ Perform a lead billable role to clients in day-to-day delivery of large-scale and highly complex projects

+ Support cross team collaboration (Commercial, Medicare, & Medicaid) in the development of consistent and appropriate modeling

+ Lead meetings across actuarial and non-actuarial client teams

+ Collaborate with key stakeholders to identify and develop business questions for analytic investigation (e.g., utilization analysis)

+ Develop, conduct, and evaluate studies on pricing, utilization, and health care costs for our broad range of clients

+ Design and run complex data programs, by utilizing applicable data/analytical tools to extract and analyze data (e.g., SAS, SQL, Excel, Tableau)

+ Interpret, compile, and disseminate results of modeling analyses with appropriate conclusions and recommendations

You’ll be part of an intensely driven and focused team that is accountable for constantly improving business results. As a trusted subject matter expert who’s called on to incorporate traditional expertise into novel, cutting edge actuarial/analytic solutions, 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.

**Required Qualifications:**

+ Actuarial Credential (ASA or FSA)

+ 2+ years of experience collaborating with cross functional partners and presenting analytical findings

+ Advanced proficiency in MS Excel, and experience designing and running complex data programs, (e.g., extract and analyze data via R, SAS, SQL, Python, Tableau, PowerBI, VBA, predictive modeling, .net)

**Preferred Qualifications:**

+ 5+ years of experience in the Healthcare, Finance, or related industry

+ 5+ years of experience working for a healthcare consulting practice

+ 2+ years of experience as a people and project manager

+ 2+ years of experience with health care claims forecasting

+ Relocation to Minnesota

*All employees working remotely will be required to adhere to UnitedHealth Group’s Telecommuter Policy.

**California, Colorado, Connecticut, Nevada, New Jersey, New York, Rhode Island, or Washington Residents Only:** The salary range for California, Colorado, Connecticut, Nevada, New Jersey, New York, Rhode Island, or Washington residents is $101,200 to $184,000 per year. Pay is based on several factors including but not limited to education, work experience, certifications, etc. 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 finance at Stryker?

Are you looking for a profitable and growing company with a great culture and reputation? Stryker was recently named one of the Best Workplace in the WORLD by Fortune! Here, you will have many opportunities to learn and grow as we offer development opportunities unique for each employees needs including training, certifications, mentorship, leadership programs, tuition reimbursement, one-on-one coaching and more!

**_*While this role is primarily remote, there is a preference to the candidate residing in the Mountain Time Zone or Pacific Time Zone._**

The Lead Pricing Analyst is a subject matter expert on division pricing and will develop strategy for the business to improve in price performance and identify opportunities to gain price value through customer contracts. The Lead Pricing Analyst will understand business needs, develop performance goals, and generate leadership awareness to the progress towards said goals.

**Who we want**

+ **Business-oriented evaluators.** People who effectively interpret information to demonstrate the effects of business initiatives, regulation and industry trends for sales, management and leadership teams.

+ **Collaborative partners.** People who build and leverage cross-functional relationships to bring together ideas, data and insights to drive continuous improvement in functions.

+ **Self-directed initiators.** People who take ownership of their work and need no prompting to drive productivity, change, and outcomes.

**What you will do**

+ Developing annual pricing strategy, clearly articulating the desired end-state and integrated set of actions required

+ Enhancing price levels and discount structures that are aligned with customer segment strategy while providing guardrails sufficiently flexible to maximize value without burdening deal turnaround

+ Tracking consistent price performance metrics to share with leadership along with root cause for metric changes

+ Implement recurring pricing review cycle with leadership to highlight KPI progress, key analytics, trends, and opportunities

+ Providing awareness to primary drivers of pricing performance using standard pricing metrics; opportunities to improve BU performance prioritized by business plans with ROI and alignment to strategy

+ Leading price strategy for customer RFPs & refining GPO customer price tiers

+ Proposing pricing initiatives to enable growth in stagnant product categories

+ Supporting RFPs with analysis and internal response coordination

+ Thinking critically for each request by understanding context, engaging stakeholders, challenging assumptions, applying divisional guardrails, introducing new ideas, and modifying or combining prior strategies

+ Exercising excellent judgment in identifying and escalating issues to cross-functional stakeholders or management in a timely manner

+ Communicating clearly with internal stakeholders, including sales, management, business analysts, finance, etc.

+ Building and maintaining strong relationships with sales, finance, marketing, operations, and legal stakeholders across the decentralized organization (as applicable)

**What you need**

+ Bachelor's Degree in Business, Economics, Finance, or related field of study.

+ 4+ years experience.

+ Highly proficient in Microsoft Word, Excel, PowerPoint, and Outlook.

+ Proficient in SharePoint, Power BI, and Excel.

+ Ability to multi-task and adapt in a rapidly changing environment and prioritize continuously shifting deliverables with tight deadlines.

+ Decisive, flexible, critical and quick-thinking.

+ Ability to prioritize work and keep accurate, detailed, and confidential records.

+ General understanding or working knowledge of contracting structures and language.

$75,300- $156,900 salary plus bonus eligible + benefits. Actual minimum and maximum may vary based on location. Individual pay is based on skills, experience, and other relevant factors.

About Stryker

Stryker is a global leader in medical technologies and, together with its customers, is driven to make healthcare better. The company offers innovative products and services in MedSurg, Neurotechnology, Orthopaedics and Spine that help improve patient and healthcare outcomes. Alongside its customers around the world, Stryker impacts more than 130 million patients annually. More information is available at stryker.com. (http:)

Stryker Corporation is an equal opportunity employer. Qualified applicants will receive consideration for employment without regard to race, ethnicity, color, religion, sex, gender identity, sexual orientation, national origin, disability, or protected veteran status. Stryker is an EO employer – M/F/Veteran/Disability.

**Business Title:** Actuarial P&C Manager/Director

**Requisition Number:** 111926 - 5

**Function:** Audit

**Area of Interest:**

**State:** AZ

**City:** Tempe

**Description:**

Known for being a great place to work and build a career, KPMG provides audit, tax and advisory services for organizations in today's most important industries. Our growth is driven by delivering real results for our clients. It's also enabled by our culture, which encourages individual development, embraces an inclusive environment, rewards innovative excellence and supports our communities. With qualities like those, it's no wonder we're consistently ranked among the best companies to work for by Fortune Magazine, Consulting Magazine, Working Mother Magazine, Diversity Inc. and others. If you're as passionate about your future as we are, join our team.

KPMG is currently seeking an Actuarial P&C Manager/Director to join our Audit (https://audit.kpmg.us/) practice.

Responsibilities:

+ Support Directors with team management, project planning, analytics, and deliverable of advisory and audit support projects for property and casualty engagements

+ Provide technical oversight of the actuarial staff

+ Produce new and leverage current actuarial models using actuarial software

+ Develop, review, and maintain KPMG and client work papers as well as analytics

+ Maintain documentation files consistent with KPMG work paper requirements

+ Support and actively participate in actuarial practice strategic initiatives such as innovation, business development, marketing, and practice management

Additional Responsibilities for Director:

+ Lead actuarial business development efforts for primary target clients and provide leadership on identified business development efforts

+ Create a defined business development credit either through independent efforts or teaming efforts with others at KPMG

+ Provide a leadership role on KPMG thought leadership efforts as well as participate in speaking engagements at industry meetings

Qualifications:

+ Minimum five years of recent work experience in actuarial science with applicable recent work experience in a professional services environment; experience working in reserving and consulting is preferred

+ Bachelor's degree from an accredited college/university with a strong academic background in actuarial science, applied statistics, financial analysis, insurance, and mathematics

+ Certification and in good standing as an Associate or Fellow of the Casualty Actuarial Society is preferred; active member of the American Academy of Actuaries is a plus

+ Experience working in a team setting and leading teams and/or projects; strong understanding of property and casualty insurance products in addition to possessing exceptional technical, writing and verbal communication skills

+ Availability for travel based on client and project demands

+ Applicants must be currently authorized to work in the United States without the need for visa sponsorship now or in the future

Additional Qualifications for Director:

+ Minimum eight years of recent work experience in actuarial science with applicable recent work experience in a professional services environment; experience working in reserving is required and experience working in consulting is preferred

+ Certification and in good standing as a Fellow of the Casualty Actuarial Society is preferred

+ Experience in international financial reporting standards, predictive modeling, capital modeling, project management, leading and developing team members, leveraging analytics, and developing solutions beyond traditional actuarial work

KPMG complies with all local/state regulations regarding displaying salary ranges. If required, the ranges displayed below or via the URL below are specifically for those potential hires who will work in the location(s) listed. Any offered salary is determined based on relevant factors such as applicant's skills, job responsibilities, prior relevant experience, certain degrees and certifications and market considerations. In addition, the firm is proud to offer a comprehensive, competitive benefits package, with options designed to help you make the best decisions for yourself, your family, and your lifestyle. Available benefits are based on eligibility. Our Total Rewards package includes a variety of medical and dental plans, vision coverage, disability and life insurance, 401(k) plans, and a robust suite of personal well-being benefits to support your mental health. Depending on job classification, standard work hours, and years of service, KPMG provides Personal Time Off per fiscal year. Additionally, each year the firm publishes a calendar of holidays to be observed during the year and provides two firmwide breaks each year where employees will not be required to use Personal Time Off; one is at year end and the other is around the July 4th holiday. Additional details about our benefits can be found towards the bottom of our KPMG US Careers site at 'Benefits & How We Work (https://www.kpmguscareers.com/why-kpmg/#benefits) '.

Follow this link to obtain salary ranges by city outside of CA: https://www.kpmg.us/work-for-kpmg/pay-transparency.html/?id=M112-2

KPMG LLP (the U.S. member firm of KPMG International) offers a comprehensive compensation and benefits package. KPMG is an affirmative action-equal opportunity employer. KPMG complies with all applicable federal, state and local laws regarding recruitment and hiring. All qualified applicants are considered for employment without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, citizenship status, disability, protected veteran status, or any other category protected by applicable federal, state or local laws. The attached link ( https://assets.kpmg.com/content/dam/kpmg/us/pdf/2018/09/eeo.pdf) contains further information regarding the firm's compliance with federal, state and local recruitment and hiring laws. No phone calls or agencies please.

KPMG recruits on a rolling basis. Candidates are considered as they apply, until the opportunity is filled. Candidates are encouraged to apply expeditiously to any role(s) for which they are qualified that is also of interest to them.

KPMG does not currently require partners or employees to be fully vaccinated or test negative for COVID-19 in order to go to KPMG offices, client sites or KPMG events, except when mandated by federal, state or local law. In some circumstances, clients also may require proof of vaccination or testing (e.g., to go to the client site).

**GL:** 3

**GF:** 15288

**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 #:** 72727

**The Role at a Glance**

This position will lead the design and implementation of new technology solutions of the Actuarial Architecture & Transformation team. S/he will develop data & analytics solutions using cutting-edge tools to improve data warehousing, financial reporting, reserve analytics, and various automation efforts. This position provides a broad range of experiences and responsibilities, allowing for growth.

**What you'll be doing**

**Technology partner**

+ Partner with stakeholders to understand data & analytics needs

+ Translate business requests into technical requirements

+ Upskill team members with emerging technology tools

**Solutions architect**

+ Design solutions to enhance reporting and analytic capabilities

+ Centralize and standardize data from various sources

+ Demonstrate new capabilities of the solution with proof-of-concept builds

+ Leverage modern data science techniques to improve accuracy and efficiency of models

**Automation**

+ Develop automated solutions to streamline processes

+ Help transition manual deliverables to automated reports

+ Increase transparency, efficiency, and governance of processes

**Documentation**

+ Maintain robust process and production documentation

+ Document changes and follow change management procedures

**What we’re looking for**

**_Must-haves:_**

+ Undergraduate degree in Actuarial Science, Applied Mathematics, Statistics, Economics, Computer Science, Data Science or Data Analytics or other quantitative major

+ 5-7+ Years’ experience that aligns with the specific responsibilities for this position.

**_Nice-to-haves:_**

+ FSA designation or ASA designation with additional years of actuarial experience.

+ Demonstrates strong interpersonal skills with a collaborative style

+ Curiosity and demonstrated capability to quickly learn new concepts

+ Self-starter, Innovative, Problem Solver

+ Experience with:

+ Modern Data & Analytics Technology such as Dataiku, Tableau, AWS, Spark

+ Coding with SQL, Hive, Python/R, SAS, VBA, etc.

\#DICE

**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:**

+ A clearly defined career framework to help you successfully manage your career

+ 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

**Pay Range:** $105,301 - $190,000

Actual base pay could vary 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, 2022, approximately 16 million customers trust our guidance and solutions across four core businesses – annuities, life insurance, group protection and retirement plan services. As of September 30, 2023, the company had $290 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) , Twitter (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/) . Sign up for email alerts at http://newsroom.lfg.com

**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 [email protected] 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/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.

**Business Title:** Actuarial Property & Casualty Director, Audit

**Requisition Number:** 111913 - 5

**Function:** Audit

**Area of Interest:**

**State:** AZ

**City:** Tempe

**Description:**

Known for being a great place to work and build a career, KPMG provides audit, tax and advisory services for organizations in today's most important industries. Our growth is driven by delivering real results for our clients. It's also enabled by our culture, which encourages individual development, embraces an inclusive environment, rewards innovative excellence and supports our communities. With qualities like those, it's no wonder we're consistently ranked among the best companies to work for by Fortune Magazine, Consulting Magazine, Working Mother Magazine, Diversity Inc. and others. If you're as passionate about your future as we are, join our team.

KPMG is currently seeking an Actuarial Director to join our Audit (https://audit.kpmg.us/) practice.

Responsibilities:

+ Participate in reviewing pension and postretirement benefit plans actuarial information to be used in financial statement disclosures

+ Review audit documentation prepared by the engagement team plan documents actuarial valuation reports actuarially determined disclosures documents supporting assumptions used and any other documents that may be pertinent to the reviews

+ Communicate regularly with the engagement team to include participation in audit planning meetings

+ Assess the qualifications of the consulting actuary the reasonableness of the methods and assumptions used and the reasonableness of the disclosures

+ Involvement in the preparation of all applicable audit documentation with an expectation to sign-off as an expert in reaching the conclusions for each audit

Qualifications:

+ A minimum of fifteen years of work experience in the actuarial field with a concentration in employee benefit plans including acting as lead actuary and consultant for sponsors of large and complex retirement and other benefit plans in the US

+ Bachelors degree from an accredited college/university with a strong academic background in actuarial science applied statistics financial analysis insurance and mathematics

+ Experience to include the performance of pension and OPEB valuations as well as the management and review of actuarial valuations performed by others

+ Working as a reviewing actuary within an audit firm is a plus but is not required

+ Strong knowledge of US pension and benefit accounting rules under ASC 712 715 960 965 and IAS 19 along with knowledge with GASB 45 67 68 SSAP 92 102 preferred

+ Certification as a Fellow with the Society of Actuaries (FSA) or Certification as an Associate with the Society of Actuaries (ASA) plus certification as an Enrolled Actuary with the IRS (EA)

KPMG complies with all local/state regulations regarding displaying salary ranges. If required, the ranges displayed below or via the URL below are specifically for those potential hires who will work in the location(s) listed. Any offered salary is determined based on relevant factors such as applicant's skills, job responsibilities, prior relevant experience, certain degrees and certifications and market considerations. In addition, the firm is proud to offer a comprehensive, competitive benefits package, with options designed to help you make the best decisions for yourself, your family, and your lifestyle. Available benefits are based on eligibility. Our Total Rewards package includes a variety of medical and dental plans, vision coverage, disability and life insurance, 401(k) plans, and a robust suite of personal well-being benefits to support your mental health. Depending on job classification, standard work hours, and years of service, KPMG provides Personal Time Off per fiscal year. Additionally, each year the firm publishes a calendar of holidays to be observed during the year and provides two firmwide breaks each year where employees will not be required to use Personal Time Off; one is at year end and the other is around the July 4th holiday. Additional details about our benefits can be found towards the bottom of our KPMG US Careers site at 'Benefits & How We Work (https://www.kpmguscareers.com/why-kpmg/#benefits) '.

Follow this link to obtain salary ranges by city outside of CA: https://www.kpmg.us/work-for-kpmg/pay-transparency.html/?id=M112-2

KPMG LLP (the U.S. member firm of KPMG International) offers a comprehensive compensation and benefits package. KPMG is an affirmative action-equal opportunity employer. KPMG complies with all applicable federal, state and local laws regarding recruitment and hiring. All qualified applicants are considered for employment without regard to race, color, religion, age, sex, sexual orientation, gender identity, national origin, citizenship status, disability, protected veteran status, or any other category protected by applicable federal, state or local laws. The attached link ( https://assets.kpmg.com/content/dam/kpmg/us/pdf/2018/09/eeo.pdf) contains further information regarding the firm's compliance with federal, state and local recruitment and hiring laws. No phone calls or agencies please.

KPMG recruits on a rolling basis. Candidates are considered as they apply, until the opportunity is filled. Candidates are encouraged to apply expeditiously to any role(s) for which they are qualified that is also of interest to them.

KPMG does not currently require partners or employees to be fully vaccinated or test negative for COVID-19 in order to go to KPMG offices, client sites or KPMG events, except when mandated by federal, state or local law. In some circumstances, clients also may require proof of vaccination or testing (e.g., to go to the client site).

**GL:** 3

**GF:** 15288

**Why USAA?**

Let’s do something that really matters.

At USAA, we have an important mission: facilitating the financial security of millions of U.S. military members and their families. Not all of our employees served in our nation’s military, but we all share in the mission to give back to those who did. We’re working as one to build a great experience and make a real impact for our members.

We believe in our core values of honesty, integrity, loyalty and service. They’re what guides everything we do – from how we treat our members to how we treat each other. Come be a part of what makes us so special!

**The Opportunity**

As a dedicated Experienced Life and Annuity Actuary, you will work on the Life Actuarial Valuation team in USAA’s Chief Financial Office. They will work to develop models, calculators, tools, processes, and controls for Deposit Asset Accounting, Life Reinsurance Current Expected Credit Losses (CECL), and Risk Based Capital (RBC).

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

**What you'll do:**

+ Performs complex and often unique work assignments utilizing actuarial modeling software driven models for pricing, valuation, and/or risk management.

+ Reviews laws and regulations to ensure all processes are compliant and provides recommendations for improvements. Monitors industry communications regarding potential changes to existing laws and regulations.

+ Shares knowledge with team members and serves as a key resource to entire team, including leadership, on escalated issues and navigates obstacles to deliver work product.

+ Serves as a Subject Matter Expert in one or more key areas, such as Product Pricing, Reserving, Economic Capital, Modeling, Asset Liability Management, etc.

+ Leads a project team on complex assignments through concept, planning, execution, and implementation phases involving cross functional actuarial areas.

+ Develops exhibits and reports that help explain proposals/findings and provides information in an understandable and usable format for stakeholders.

+ Identifies and provides recommended solutions to business problems independently, often presenting recommendation to leadership.

+ Maintains proper price level, price structure, data availability and other requirements to achieve profitability and competitive goals.

+ Identifies critical assumptions to monitor and suggest timely remedies to correct or prevent unfavorable trends.

+ Tests impact of assumptions by identifying sources of gain and loss, the appropriate premiums, interest margins, reserves, and cash values for profitability and viability of new and existing products.

+ Ensures 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 experience (in addition to the minimum years of experience required) may be substituted in lieu of degree.

+ 6 years actuarial experience and attainment of Fellow within the Society of Actuaries; OR 12 years relevant actuarial experience and attainment of Associate within the Society of Actuaries.

+ Subject Matter Expert in one or more key areas, such as Product Pricing, Reserving, Economic Capital, Modeling, Asset Liability Management, etc.

+ Experience leading a project team on complex assignments through concept, planning, execution, and implementation phases involving cross functional actuarial areas.

+ Demonstrated experience preparing effective documentation, facilitating training and development, and presenting to various levels of management.

**What sets you apart:**

+ Proficient in Python or R

+ Experience with reinsurance transactions

+ Deposit Asset Accounting experience

+ Able to translate actuarial and accounting concepts into proficient and portable code

+ Experience with projecting RBC

+ Experience with CECL

+ Experience with FRB SR 11-7

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.

**What we offer:**

**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. The salary range for this position is: **$138,230 - $264,200.**

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

**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, please 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._

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.

Bring your heart to CVS Health. Every one of us at CVS Health shares a single, clear purpose: Bringing our heart to every moment of your health. This purpose guides our commitment to deliver enhanced human-centric health care for a rapidly changing world. Anchored in our brand — with heart at its center — our purpose sends a personal message that how we deliver our services is just as important as what we deliver. Our Heart At Work Behaviors™ support this purpose. We want everyone who works at CVS Health to feel empowered by the role they play in transforming our culture and accelerating our ability to innovate and deliver solutions to make health care more personal, convenient and affordable.

Position Summary Join CVS Health as an Actuarial Services Senior Manager, on the Medicare D Actuarial Services team. We are seeking an actuary to support our Medicare Health Plan Clients. You will work with CVS Caremark Medicare Health Plan clients, providing guidance and analytics, including consultations on formulary decisions, plan design, rebate strategies, and impacts of regulatory changes. Y ou will work with other departments internally to support our Medicare Health Plan clients through the annual Medicare bid process. You will work with internal partners to support our Health Plan clients and responsibilities will include: - Collaborating with internal CVS Caremark teams to support clients’ initiatives

- Analyzing lowest net cost strategies

- Developing and maintaining models to support analytics

- Quantifying the impact of legislative and regulatory changes in the Medicare Part D landscape- Developing various ad hoc analyses for clients- Presenting analyses and recommendations to Medicare clients To be successful, you will possess strong consultative and analytical skills, as well as the ability to develop relationships within/outside of the Actuarial Services Department. The ideal candidate will have strong problem solving, writing and communication skills, with a proven ability to communicate and consult effectively with both internal and external clients. You should have the ability to work well in a multidisciplinary team environment, as well as independently.

Required Qualifications* 7+ years of Health Insurance experience, including proven ability to communicate and consult effectively with internal or external clients* 5+ years’ experience working directly with healthcare client data analyzing pharmacy claims or other relevant data analysis

* 1+ years SAS experience

* Accredited Actuary is required (Associate of the Society of Actuaries or Fellow of the Society of Actuaries) Preferred Qualifications

* Experience with Medicare Part D, Medicare Advantage, or Medicaid* Intimate knowledge of the healthcare industry* Outstanding verbal/written communications, presentation, problem-solving and interpersonal skills.

* Python experience

* Some minimal travel may be required Education

* Bachelors Degree in a relevant discipline (Finance, mathematics, or business) or equivalent experience required

Pay Range

The typical pay range for this role is:

$67,900.00 - $166,000.00

This pay range represents the base hourly rate or base annual full-time salary for all positions in the job grade within which this position falls. The actual base salary offer will depend on a variety of factors including experience, education, geography and other relevant factors. This position is eligible for a CVS Health bonus, commission or short-term incentive program in addition to the base pay range listed above. This position also includes an award target in the company’s equity award program. In addition to your compensation, enjoy the rewards of an organization that puts our heart into caring for our colleagues and our communities. The Company offers a full range of medical, dental, and vision benefits. Eligible employees may enroll in the Company’s 401(k) retirement savings plan, and an Employee Stock Purchase Plan is also available for eligible employees. The Company provides a fully-paid term life insurance plan to eligible employees, and short-term and long term disability benefits. CVS Health also offers numerous well-being programs, education assistance, free development courses, a CVS store discount, and discount programs with participating partners. As for time off, Company employees enjoy Paid Time Off (“PTO”) or vacation pay, as well as paid holidays throughout the calendar year. Number of paid holidays, sick time and other time off are provided consistent with relevant state law and Company policies. For more detailed information on available benefits, please visit jobs.CVSHealth.com/benefits

We anticipate the application window for this opening will close on: 04/09/2024

CVS Health requires certain colleagues to be fully vaccinated against COVID-19 (including any booster shots if required), where allowable under the law, unless they are approved for a reasonable accommodation based on disability, medical condition, religious belief, or other legally recognized reasons that prevents them from being vaccinated.

You are required to have received at least one COVID-19 shot prior to your first day of employment and to provide proof of your vaccination status or apply for a reasonable accommodation within the first 10 days of your employment. Please note that in some states and roles, you may be required to provide proof of full vaccination or an approved reasonable accommodation before you can begin to actively work.

CVS Health is committed to recruiting, hiring, developing, advancing, and retaining individuals with disabilities. As such, we strive to provide equal access to the benefits and privileges of employment, including the provision of a reasonable accommodation to perform essential job functions. CVS Health can provide a request for a reasonable accommodation, including a qualified interpreter, written information in other formats, translation or other services through [email protected] If you have a speech or hearing disability, please call 7-1-1 to utilize Telecommunications Relay Services (TRS). We will make every effort to respond to your request within 48 business hours and do everything we can to work towards a solution.

When you join Honeywell, you become a member of our global team of thinkers, innovators, dreamers and doers who make the things that make the future.

That means changing the way we fly, fueling jets in an eco-friendly way, keeping buildings smart and safe and even making it possible to breathe on Mars.

Working at Honeywell isn’t just about developing cool things. That’s why all of our employees enjoy access to dynamic career opportunities across different fields and industries.

Are you ready to help us make the future?

Work under limited supervision and in collaboration with marketing and product management, engineering, field sales organization, key business partners and the senior management team, to maximize the profitability of the business by systematically employing key pricing levers. You will make pricing recommendations to ensure compliance with public pricing policy. You will assist with the pricing and reimbursement strategies for current and future products. You will analyze market drivers and competition to determine price of new products, and you will review final pricing contracts.

KEY RESPONSIBILITIES

+ Develop pricing databases

+ Own analytical tools

+ Value Management/Value Pricing

+ Pricing strategy formulation

+ Program and Project Management

+ Drive strong financial results

+ Transactional pricing

+ Market research

U.S. PERSON REQUIREMENTS

Due to compliance with U.S. export control laws and regulations, candidate must be a U.S. Person, which is defined as, a U.S. citizen, a U.S. permanent resident, or have protected status in the U.S. under asylum or refugee status.

YOU MUST HAVE

+ Minimum of 2 Years’ experience in Pricing

+ Minimum of 2 years’ experience in Finance

U.S. PERSON REQUIREMENTS

Due to compliance with U.S. export control laws and regulations, candidate must be a U.S. Person, which is defined as, a U.S. citizen, a U.S. permanent resident, or have protected status in the U.S. under asylum or refugee status.

WE VALUE

+ FAR-15 experience a plus

+ Previous work history with defense contractor

+ Bachelor’s degree in Finance, Business, or related field

+ Some experience in similar role

+ Transactional pricing toolkit experience

+ Value toolkit knowledge and experience

+ Pricing waterfall tool understanding

+ Demonstrated results in large, complex, matrix organizations

+ Balance theoretical thought with practical

+ Integrative thinker

+ Ability to deliver on complex situations or problems

+ Ability to convey information with clarity and directness

Honeywell is an equal opportunity employer. Qualified applicants will be considered without regard to age, race, creed, color, national origin, ancestry, marital status, affectional or sexual orientation, gender identity or expression, disability, nationality, sex, religion, or veteran status.