Scarlett Zou
Summary
Seasoned Actuarial Analyst talented in project management, process improvement and statistical analysis. Expertise in handling mathematical and technical issues. Familiar with common actuarial software applications such as SAS, ResQ and Python. Adept at analyzing data to identify trends and developing strategies to improve efficiency.
Overview
5
5
years of professional experience
1
1
Certification
Work History
Supervisor
China United Property Insurance Company Limited
06.2024 - 10.2024
- Worked in Pricing team of Auto Insurance Department.
- In charge of evaluating expected loss ratios of each province every month, which are used as benchmarks for branches to adjust territorial rating variables.
- Perform monthly trend analysis of frequency, severity, loss ratio, combined ratio and underwriting expenses for different types of vehicles such as PPV (especially for EV), trucks, bus, motorcycles, etc.
- Lead the inspection of fleet pricing and underwriting to ensure the scales of each fleet meet the requirement of underwriting standard and actual loss ratios of fleets are align with expected loss ratios.
Senior Associate
PwC China
01.2024 - 04.2024
- Worked in Assurance team.
- In charge of year-end audit review for insurance companies. The scope of audit is to review the reasonableness of claim reserves and unexpired risk reserves, which serves as the basis for us to provide insights and recommendations to our clients.
- Performed IFRS17 validation for insurance companies, which includes data reconciliation to IFRS4 and eligibility for Premium Allocation Approach.
Senior Actuarial Analyst
Aviva Canada
07.2022 - 07.2023
- Worked in Ontario Street Pricing team.
- Lead standard filings in which 2 new rating variables were identified to enhance the pricing model, which improve the segmentation for Ontario PPV.
- Involved on the anti-theft initiative and involved on completing a major filing which was to introduce an anti-theft surcharge and discount.
- Utilized vision (external data) to gain competitiveness insight of Ontario PPV portfolio and enhanced the python code which used to calculate impact and dislocation.
- Actively support the Group Pricing team to identify area where the group portfolio was not meeting the regulatory compliance.
Actuarial Analyst level 2
TD Insurance
06.2021 - 06.2022
- Worked in risk management team
- Performed profitability analysis for 2020 and 2021 and utilized VBA to automate the process of extracting and compiling data.
- Worked on Rate Challenge for Pricing team. I reviewed Pricing team's assumptions and methodologies and developed framework to produce our own result by considering inflation and change of mix of business.
Actuarial Analyst
Economical Insurance
06.2019 - 06.2021
- Worked in reserving team
- Involved in monthly/quarterly/yearly reserving business as usual work. For example, I was responsible for analyzing IBNR for multiple segments, which includes selecting premium trend, loss trend and LDFs based on statistical analysis.
- When I worked in Sonnet, which is the direct channel of Economical, I did thorough analysis and proposed to use Sonnet its own LDFs and trends for short-tailed lines.
- Involved in building template and performing analysis for Uber, which was new business added to commercial lines.
- Worked with Pricing team closely to provide them files to support their filings.
- Responsible for IBNR allocation process.
- Familiar with ResQ, which was the software that we used to select LDFs and development methods
Education
Master - Actuarial Mathematics
University of Waterloo
12.2018
Bachelor - Actuarial Science
University of Manitoba
04.2016
Skills
- Python
- SAS
- Statistical analysis
- Multitasking
- Audit reporting
Certification
ACAS: Exam 1, 2, 3F, MAS1, MAS2, 5, 6C, 7
Timeline
Supervisor
China United Property Insurance Company Limited
06.2024 - 10.2024
Senior Associate
PwC China
01.2024 - 04.2024
Senior Actuarial Analyst
Aviva Canada
07.2022 - 07.2023
Actuarial Analyst level 2
TD Insurance
06.2021 - 06.2022
Actuarial Analyst
Economical Insurance
06.2019 - 06.2021
Master - Actuarial Mathematics
University of Waterloo
Bachelor - Actuarial Science
University of Manitoba
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