Elaine St. Germain, Acas Email and Phone Number

Thought leader for actuarial methodology and assumptions used in Commercial Auto Rate Adequacy, including collaboration with Data and Cross-Lines teams to create the building blocks for a more efficient and refined future process. • Lead team of two analysts in development and communication of indicated rate need across small and middle markets. • Influence rate level decisions for both legacy and new products, partnering with Business Unit actuaries and Product Management to drive strategic decisions on profitability.

-Ensure rate adequacy and retention of Liberty’s $500M Lyft commercial auto account through the development of reasonable and well supported rate indications, partnering with Underwriting, Claims, and Product to execute-Evaluate profitability of the Lyft account and communicate findings to cross-SBU leadership to inform future Mobility strategy-Collaborate with Finance to build a comprehensive financial plan for Lyft, and work in conjunction with Reserving to ensure sufficient IBNR bookings and accurate calendar year P&L results-Create pricing models for new products and accounts in emerging segments through collaboration with Underwriting and Product to meet the needs of the mobility market and diversify the risks within Liberty’s Mobility Solutions P&L-Quantify risk and growth scenarios to identify impacts on capital, topline growth, and profitability to provide senior leadership with the necessary information to create long term strategy and goals

-Lead development of U.S. Personal Lines financial loss plan to inform Executives in setting Liberty’s strategic vision-Collaborate with internal stakeholders in Reserving and Trends and external stakeholders in Finance Planning & Analysis (FP&A), Product, and Claims to accomplish the goal of constructing a reasonable and balanced financial loss plan-Identify and develop solutions for process pain points using voice of customer feedback from stakeholders

• Improved Excel tools with VBA enhancements to streamline the work of Specialty Lines Actuarial Pricing in semi-annual book profitability analyses to support Ironshore leadership initiatives• Compiled data from multiple sources into a single SQL database to ensure availability and consistency of data• Coordinated with FP&A, Ironshore Pricing and Corporate Actuarial to build financial loss plan submission for all Ironshore lines of business

-Collaborated with the Data Science team to develop an underwriting tool in R to ensure profitable D&O attachment point selections and streamline the underwriting process. This project also involved working with outside data vendors to determine the best source to use for the model's underlying dataset.-Reported on book profitability and achieved rate to ArgoPro senior leadership in support of business growth decisions-Developed rating plan for new-to-market admitted Cyber Liability product using both competitive market research and input from market-facing Underwriters-Supported profitability of admitted Professional Liability products through rate change filings

-Developed rate indications using historical internal data to assess state-level rate adequacy. This is completed bi-annually for the Homeowners, Renters, and Condominium lines of business.-Developed and performed in-depth analysis of rating components-Prepared filing documents for submission to Departments of Insurance (DOIs), and prepare responses to objections as necessary.-Completed ad hoc data analysis requests for senior management and various internal stakeholders-Provided support for the IT development teams to ensure accurate implementation of ratesNew Program Implementation:-Led implementation of by-peril rating programs in multiple states. This included development of rating factors, selected rate level, and filing materials-Conducted calls with DOIs in more heavily-regulated states prior to filing in order to anticipate potential concerns with the new rating plan to avoid objections-Coordinated with various teams such as Catastrophe, Compliance, Legal, and IT to ensure profitable entry into the market, a smooth approval process, and accurate IT implementation-Presented proposed rate levels and anticipated profitability based on current distribution of insureds to the Chief Underwriting Officer and Product leadership to ensure country-wide program rollout aligned with high-level business goals for HomesiteCommercial Lines Rotation:-Selected to complete a part-time rotation with the Small Commercial Lines arm of Homesite-Involved developing rating components and completing filing materials for new industry classes for the BOP product-Performed quarterly unpaid claims estimation for BOP and GL

-Worked on the Pricing team to analyze historical internal data to assess overall rate level adequacy at the state level. This is completed bi-annually for the Homeowners, Renters, and Condominium lines of business.-Prepare filing documents for submission to Departments of Insurance (DOIs)-Maintained SAS rating engines-Completed ad hoc requests for DOIs, including responses to rate filing objections and data calls.-Provided support for the IT development teams to ensure accurate implementation of rates

-Compiled and analyzed data to be used by senior leadership at the organization. -Designed and prepared reports and analyses of trends with an emphasis on presentation of findings and outcomes. The presentation of these reports allowed for proactive responses to problems and opportunities within the organization. -Assisted the Director of Budget & Decision Support with budget development and monthly variance reporting processes.

Chosen by my professors to tutor students in a variety of college level mathematics courses