Sandra Zomber Email and Phone Number

Led pricing and risk selection for Voya's Accident, Critical Illness, and Hospital Indemnity supplemental health block. Advised leadership on developing strategic growth plans that adapt to the changing industry landscape. • Promotes best-in-class product by continuous product improvement including updated pricing and collaboration on product forms involving dozens of new benefits and innovative product riders.• Increased the effectiveness and efficiency of product development by promoting a culture of continuous engagement across all areas of the organization including executives, underwriting, distribution, product development, claims processing, operations, and regulatory compliance.• Identified substantial rate changes by directing team on improved efficiency and efficacy of experience analysis using tools such as SQL, Python, Power BI, and Excel.• Enhanced underwriter capabilities to increase sales while meeting corporate targets by re-engineering underwriting tools increasing clarity around discounting and pricing influencers.• As Co-chair of the Voya Actuarial Student Committee, fostered student growth and participation within an evolving corporate setting to improve employee satisfaction and engagement.

Managed actuarial team responsible for Group Dental, Life and AD&D, Long Term Disability, Short Term Disability, Vision, Short Term Medical, and Supplemental Health• Team responsible for pricing, filing, reserving, experience reporting, underwriting tools, and case support.• Developed and brought underwriting on board to new renewal process that brought loss ratios down to target levels in two years• Effectively evaluated the impact of Covid-19 on claims and consumer behavior with innovative techniques that dramatically reduced reserving and forecasting fluctuations.• Trained underwriting to take holistic views of groups generating improved risk assessment and competitive pricing• Guided team to build a SQL experience database with Tableau visualizations reducing data refresh turnaround from 1 month down to 2 days.• Developed more accurate and detailed budget projection to enable leadership conversations on product initiatives• Analyzed and evaluated varying dental networks to generate better member access and lower claims.• Advised on development of new underwriting system to create quote efficiencies

Led Group Dental and Vision pricing for small, large, and jumbo groups. Supported actuarial pricing of life, disability, and supplemental health products.• Modeled impact of new Dental PPO network, including development of new network utilization and cost factors leading towards more effective network negotiations and more accurate rates.• Developed pricing for upgraded dental benefits and collaborated with underwriting and distribution to effectively increase sales• Secretary for the Benefit Solutions Product Pricing Risk Committee guided new product and pricing initiatives through the risk review process for more efficient and effective decisions.• Created reusable queries and decks to enable more timely product status updates to various stakeholders including Senior Management, Product Development, and Valuation.• Developed and applied completion factors for paid claims leading to more accurate forecasting and reserving and reducing volatility• Coordinated with IT and various software to streamline and automate data analysis processes resulting in more efficient analysis.• Created a sales template to aid distribution in selling rate increases to groups resulting in more acceptance of rate increases.