Freelancer profile translated to English.
Back to original languageAbout Joel
With nearly 10 years of experience in consulting (Accenture, Optimind...) and with insurance groups of all sizes, I have developed solid expertise in health, savings, and retirement. I also specialize in supporting regulatory work related to Solvency II (Pillars 1, 2, and 3) as well as asset-liability management (ALM). Furthermore, I have significant experience in inventory work and health pricing to effectively meet your operational and actuarial needs.
Recognized for my total commitment, adaptability, and analytical skills, I remain at your disposal to discuss a potential collaboration.
My background:
I spent 3.8 years as an actuarial consultant at Optimind, which became Accenture following its acquisition in 2024.
3.5 years at La France Mutualiste in the ALM department as an Asset/Liability Studies Officer.
1 year at CNP Assurance in the retirement BU for liability cash flow modeling and profitability study work.
1.7 years as an actuarial consultant at Seabird.
French
Native or bilingual
English
Conversational
Can work on-site
Paris (up to 50km)
Experience
- AccentureSenior Actuarial ConsultantBANKING AND INSURANCENovember 2021 - June 2025 (3 years and 7 months)Paris, FrancePRO BTP Assignment (11 Months)Support to the Risk/ALM team in their S2 regulatory work and ALM studies:• Production work for Pillar 1, financial policy, and business plan (with new premium assumption) for group entities.• Analysis and validation of the construction of real-world scenarios for the financial policy and business plan.• Projection, control, and analysis of financial results, balance sheet items, profitability and risk indicators, and solvency ratios of group entities for the chosen allocation strategies.• Drafting of assumption and analysis notes following the financial policy, business plan, and Pillar 1 work.SWISS LIFE Assignment (4 MONTHS)Support to the Value Risk team in annual closing work under S2 regulation and analysis of new business profitability indicators using the Stand Alone method and comparison with the marginal method:• Analysis of balance sheet item movements under S2 (PVFP, BEL...):• Construction and execution of Prophet runs, followed by analysis of results and presentation to the team.• Calculation and analysis of new business profitability indicator movements by product (stand alone method)• Projection and analysis of the evolution of group profitability indicators (RAP=VIF+NAV, RAPm=RAP/PVNBP) and presentation to the team.
- AccentureSenior Actuarial ConsultantCONSULTING AND AUDITSNovember 2021 - June 2025 (3 years and 7 months)Paris, FranceGENERALI Assignment (5 months)Support to the Risk team in group management studies:Generation of deterministic cash flows projected under Prophet Liabilities for the 4 years of the capital plan:• Review and validation of code, updating liability tables, and Prophet parameterization.• Execution of runs, control, and analysis of results.Calculation of Asset Liability Strategy (ALS) from liability cash flows generated and asset tables:• Generation of STOCHRET tables from received scenarios.• Updating/reprocessing of ALS tables, Prophet parameterization, execution of runs, and control of results.• Analysis and explanation of the evolution of indicators: SCR (market and underwriting), PVFP, LAC, Duration...AGEAS Assignment (4 months)Solvency II Pillar 1 retirement savings work:• Annual closing (construction of liability point models, data controls, and run parameterization under Prophet)• Validation work for the projection model note following the transition to a new Prophet projection tool.• Unit testing / analysis and validation of deterministic liability projection formulas (premium, single payment, loading, commission, retrocession, provision...)• Drafting of the technical model note for the audit team and model validation
- AccentureSenior Actuarial ConsultantBANKING AND INSURANCENovember 2021 - June 2025 (3 years and 7 months)Paris, FranceAXA Assignment (4 months)Support to teams in inventory and claims studies:• Processing, Controls, reconciliation, and analysis of inventory data (Premiums, benefits, expenses, S/C...)• Claims studies and process documentationBNP CARDIF Assignment (6 months)Support to the Risk and Anticipation team in their ORSA regulatory work:• Work on the Overall Solvency Needs: parameterization of the Prophet model, run execution, analysis, sensitivity analysis following Cardif's specific exposure.• Analysis of the gap between Cardif's Risk Profile and its adequacy to the Standard Formula.• Performance of movement analysis for quantitative work.• Drafting of the Prospective Solvency & Stress Tests section of the ORSA report.RCI MALTA Assignment (2 months)Support for the implementation of IRF17 standard:• Data validation in the tool under construction.• User acceptance testing of tools and analysis of financial statements.CGA Tunis Assignment (3 months)Support to the Tunisian legislator for the implementation of a regulatory framework similar to Solvency II:• Qualitative & quantitative analysis of the country's economic environment.• Formalization of regulatory notes on balance sheet valuation, equity (S1 and S2), and calculation of capital requirements.
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Education
- Master of Mathematics for Insurance and Finance, Actuarial trackInstitute of Risk & Insurance of Le Mans2014