I began my career as a middle school math teacher, spending five years in the classroom before transitioning to the actuarial profession in 2015. My passion for mathematics and its application in solving complex real-world problems guided this career change. Since then, I've specialized in the field of alternative risk transfer, where I assist clients in managing their large deductible or self-insured programs. My work involves ensuring that their outstanding liabilities are adequately funded and that their accruals for the upcoming year accurately reflect their loss exposure. Additionally, I have extensive experience working with captive insurance companies, helping them to be properly capitalized and efficiently use their equity to earn returns commensurate with their overall risk profile.