Consulting actuary and chartered accountant with over 30 years experience in financial services consulting, primarily in the Caribbean & South / Central America. Currently heading a team of actuaries and related professionals providing consulting services in life & non-life insurance, pensions and banking. Most of our work is in developing markets and a fair amount of interesting non-traditional work comes our way. Appointed Actuary / independent consulting actuary to life and non-life insurers operating in Trinidad & Tobago, Jamaica, Barbados, Guyana, Suriname, Panama, Belize, Bahamas, Bermuda, Cayman Islands, Curacao, Aruba and the East Caribbean countries, with clients reporting under IFRS, US, UK, Canadian and Dutch standards. This has included audit support, regulatory liaison, product development, solvency and economic capital modeling, risk management advice, financial condition reporting, reinsurance modeling, valuation and administration systems review as well as statutory and financial reporting. Since 2022, IFRS 17 implementation has been the most significant issue affecting our clients.Actuarial advisor on pension, benefit and social security issues for government and private sector clients, including mergers & acquisitions, IAS 19 / US / UK GAAP reporting, restructuring, risk management and statutory valuations.Developed simplified expected credit loss models for IFRS 9 in smaller entities and developing countries.Active participant in local, regional and international accounting and actuarial bodies. Frequent speaker on actuarial and accounting issues, particularly on practical challenges in applying IFRS, regulatory and actuarial standards in developing markets.Committed to sustainable and ethical human development initiatives, from internships for underprivileged students to supporting actuarial and accounting educational programs internationally.Current interests: simplified accounting for microenterprises; proportionate application of risk based capital concepts and IFRS (IFRS 9, IFRS 17) in underdeveloped markets; microinsurance; actuarial loss of earnings models for developing countries; climate risk and sustainability financial reporting standards.