Victor Z. Zhao, Fsa, Cera, Cspo Email and Phone Number
Victor Z. Zhao, Fsa, Cera, Cspo work email
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Victor Z. Zhao, Fsa, Cera, Cspo personal email
An innovator and leader passionate about people and technology, Victor leads analytics & strategy at Eden Health, a Series C advanced primary care startup. His team empowers executives and clinicians with actionable insights that accelerate business innovation & growth and elevate patient care experience.Prior to this startup role, Victor worked at Cigna, a Fortune 15 global health services company, where he held a wide range of roles: actuarial pricing (medical stop loss, a $3B insurance business), data science (built machine learning predictive models to improve commercial insurance underwriting efficiency and pricing accuracy), and product management (virtual care). A two-time winner of the Cigna CEO’s Champion Award, Victor also founded Aspire Innovation, a grassroots innovation initiative--consisting of five programs from an employee "Shark Tank" to a global innovation summit--to cultivate intrapreneurs and incubate bottom-up innovations across the Cigna enterprise.Victor graduated magna cum laude from Temple University, where he studied actuarial science and computer science. Victor loves reading, traveling, weight lifting, and yoga.Victor is a creative thinker & relentless doer and has demonstrated:✅ Superior analytical and problem-solving skills through actuarial science & computer science education and work experience as an actuary, data scientist, product manager, and analytics & strategy leader;✅ Solid interpersonal and organizational skills through leadership experience founding and running numerous non-profit & employee-led organizations;✅ High adaptability and cultural awareness through international experience living and studying in China, Singapore, and Italy.Professional Designations:• Fellow of the Society of Actuaries (FSA)—Corporate Finance & Enterprise Risk Management Track• Chartered Enterprise Risk Analyst (CERA)• Certified Scrum Product Owner (CSPO)
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Director, Product AnalyticsCentivoBoston, Ma, Us
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Chair, Entrepreneurial & Innovation SectionSociety Of Actuaries Oct 2024 - PresentChicago, Illinois, UsThe SOA E&I Section is dedicated to championing the entrepreneurial spirit within the actuarial profession. We strive to inspire actuaries to lead with innovative thinking and a purposeful drive, fostering a community where entrepreneurs and intrapreneurs can connect, share best practices, and thrive. -
Director, Analytics & StrategyCentivo Aug 2024 - PresentBuffalo, New York, Us(Centivo acquired Eden Health in May, 2024) Centivo is a PCP-centered health plan startup on a mission to make healthcare cheaper and better for working American families, featuring high performance network, free primary care, $0 deductible, and low co-pay!
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Director, Analytics & Strategy (Promoted From Sr. Manager)Eden Health Apr 2023 - Aug 2024New York, Ny, UsHead of Analytics, responsible for analytics engineering, BI dashboarding, reporting for internal leaders and external clients, and strategic analyses. Informed decisions on growth, patient engagement, population health management, marketing, product pricing, and account management. Served as a trusted advisor to senior executives, leading analyses on ROI, user conversion, utilization projections, staffing models, breakeven analysis, and more.--Hiring Analytics Engineer and Sr. Clinical Informatics Analyst:https://www.linkedin.com/posts/vzz_hiring-jobopenings-clinicalinformatics-activity-7056281454107873280-ksEn/ -
Senior Manager, Strategic InitiativesEden Health Aug 2022 - Apr 2023New York, Ny, Us
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Senior Payer Strategy ManagerEden Health Jun 2022 - Aug 2022New York, Ny, UsEden Health is on a mission to create a world where every person has a relationship with a trusted healthcare provider.
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Product Manager—Virtual CareCigna Oct 2020 - Apr 2022Bloomfield, Ct, Us• Launched a pilot program with a startup partner, shipping an AI symptom checker & care navigation app to 60K+ health plan members. Led collaboration across digital, clinical, marketing, and legal to ensure stakeholder alignment and timely execution.• Defined and oversaw performance metrics for 2 digital health products and led 3 analysts to quantify medical cost saving.• Led the vendor selection process for tele-dermatology and developed the business case for virtual cardiac rehab.• Redesigned product performance dashboard for 3 products, streamlined product reporting, and spearheaded a team Wiki site. -
Chief Innovation Catalyst & Founder, Aspire InnovationCigna Jan 2020 - Apr 2022Bloomfield, Ct, Us• Established an employee-run initiative to stimulate grassroots innovation and nurture intrapreneurship. Oversee a team of 35 responsible for planning and running 5 programs: iTournament (employee “Shark Tank”), iBootcamp (idea incubator), iEducation (innovator speaker series), iSummit (global conference), and iNetwork (innovation marketplace).• Designed and launched the annual iTournament (since 2018) and iBootcamp (since 2020), mobilizing employees to build creative healthcare solutions. 230+ ideas have been generated—one received $10M+ funding to advance chronic disease management.• Architected and built the iNetwork program based on design thinking and lean startup methodology to connect and empower forward-thinking employees to rapidly build and test new ideas. 250+ employees have joined the innovation platform. • Organized iEducation Innovation Talks with speakers from a diverse range of organizations including Jefferson Health Design Lab, Walmart, Orai, and Amino Payments, to inform and inspire employees on innovation and emerging technologies—each event has welcomed 220-470 attendees.• Guided 19 volunteers to launch the inaugural Global Innovation Summit (5 conference tracks, 65 speakers, and 1,600+ attendees).
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Data Science Actuary—Pricing & Underwriting AnalyticsCigna Jul 2018 - Oct 2020Bloomfield, Ct, Us• Improved commercial health insurance underwriting accuracy and efficiency, adding $100M+ to annual profit, by building data pipelines and machine learning predictive models in a cross-functional team of data scientists and engineers.• Secured stakeholder buy-in by explaining complex subjects to non-technical audience through documentation and presentations.• Initiated and led a project to streamline big data processing by researching, prototyping, and presenting alternative solutions. Cut program run time by 75% and convinced a team of 5 data scientists to adopt a new programing language.• Partnered with data engineers to modernize analytics infrastructure by testing and selecting cloud-based data science software.
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Regional Lead & Founder, Pennsylvania Chapter, Aspire Enterprise Resource Group (Erg)Cigna Jan 2017 - Aug 2019Bloomfield, Ct, Us• Initiated the reorganization of the Aspire Enterprise Resource Group (formerly the Asian/South Asian Colleague Resource Group), a volunteer-run organization to promote corporate diversity & inclusion. Revamped strategy propelled Aspire to 2X national membership and 3X regional membership in 2 years, the fastest growth among all Cigna ERGs.• Built and managed a team of 9 leaders responsible for planning and executing monthly cultural, professional, and community events. Pioneered the ERG Innovation Tournament (iTournament) program to stimulate grassroots innovations across the enterprise. Received the 2019 3rd Quarter Cigna CEO’s Champion Award and 2019 Above and Beyond Innovators Award by Diversity Best Practices.• Established strong partnerships with senior executives in human resources, IT, sales, legal, and other key stakeholder groups.
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Pricing Actuary—Medical Stop LossCigna Aug 2016 - Jul 2018Bloomfield, Ct, Us• Supported the profitable growth of the $3B insurance business by developing premium rates while balancing various stakeholders’ interests. • Oversaw pricing for 7 markets and obtained insurance rate approvals from state regulators. Conducted studies on claim patterns, medical cost inflation, and hospital contract changes.• Increased product desirability and competitiveness by collaborating with 15+ underwriters and sales managers weekly to create tailored insurance products based on unique client needs and risk appetites.• Represented Cigna's Actuarial Executive Development Program to recruit talents by presenting on campus and interviewing intern & full-time job candidates.
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President & Co-FounderNaaap Temple Mar 2015 - May 2016Philadelphia, Pennsylvania, Us• Co-founded the Temple Collegiate Chapter of National Association of Asian American Professionals (NAAAP) Philadelphia, with a mission to empower minority students with the tools, knowledge, and networks to embrace successful careers post-graduation.• Built and led a team of 12 officers responsible for finance, marketing, and hosting biweekly professional and social events. Secured guest speakers including Temple University provost, career and public speaking coaches, senior leaders from JP Morgan, Morgan Stanley, Vanguard, etc.• Expanded the dues-paying membership from 0 to 75 within eight months and received the highest student organization star rating by Student Activities within a year. -
International Residence Coordinator (Ra For International Students)Temple University Office Of International Affairs Aug 2014 - May 2016Philadelphia, Pennsylvania, Us -
Project Management Intern, Commercial BankJpmorgan Chase & Co. Jun 2015 - Aug 2015New York, Ny, Us• Collaborated with operations team to improve wholesale loan client onboarding process efficiency and reduce human errors through simplifying business metrics and implementing process automation.• Monitored the status of over 700 projects by developing dynamic Excel VBA-driven dashboards that automatically calculated and visualized project backlog processing statistics.• Ensured the smooth system integration of a Financial Products Markup Language (FpML)-based loan trading processing application by testing and documenting FpML messages’ straight-through processing. -
Actuarial Co-Op, Insurance And Actuarial Advisory ServicesEy Jan 2015 - May 2015London, Gb• Supported EY Insurance and Actuarial Advisory Services with various actuarial consulting and auditing services for six national insurance companies, including embedded value calculation, reserve balance validation, assumption sensitivity testing and other financial analyses.• Ensured clients’ compliance with GAAP and statutory reserve requirements by reviewing, validating and documenting clients’ financial models and methodologies used to forecast insurance liabilities. • Facilitated collaboration between colleagues by automating Excel production tools and implementing Subversion, a revision control system. -
Campus AmbassadorCoaching Actuaries Aug 2014 - Dec 2014Clive, Ia, UsSpearheaded actuarial exam preparation products' promotion among college students through engaging activities and giveaways, and contributed monthly to the company blog, enhancing brand visibility and student engagement. -
Actuarial Valuation Intern, Global Health BenefitsCigna May 2014 - Aug 2014Bloomfield, Ct, Us• Assisted Cigna Global Health Benefits actuarial valuation team with financial analysis on reserves, loss ratios, and product membership. • Recommended a $1MM reduction in reserve balance after projecting the future claim payment cash outflow through an incurred-but-not-reported (IBNR) reserve study: analyzed the payment patterns from five years of insurance claim data and changes in product drivers. • Pitched the reserve reduction recommendation, reserving methodology, and adequacy backtesting to the chief actuary and other senior managers and received leadership buy-in.
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PresidentTemple University Asian Students Association Aug 2013 - May 2014Philadelphia, Pennsylvania, Us• Led and managed 20 officers responsible for planning and executing weekly social, professional, or charitable events for over 120 members.• Instituted new marketing and fundraising strategies resulting in a 40% increase in membership, 500% increase in social media followers, and over $3,000 increase in annual fund raised.• Established strong relationships with the Philadelphia Asian American community through successful collaborations with 11 other student organizations, 3 non-profits, and the City Council of Philadelphia on various community programs.
Victor Z. Zhao, Fsa, Cera, Cspo Skills
Victor Z. Zhao, Fsa, Cera, Cspo Education Details
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Temple UniversityMajor: Actuarial Science | Minor: Computer Science -
Harvard Business School OnlineDisruptive Strategy With Clayton Christensen
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Temple University RomeRisk Management
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Lakeland Junior/Senior High School
Frequently Asked Questions about Victor Z. Zhao, Fsa, Cera, Cspo
What company does Victor Z. Zhao, Fsa, Cera, Cspo work for?
Victor Z. Zhao, Fsa, Cera, Cspo works for Centivo
What is Victor Z. Zhao, Fsa, Cera, Cspo's role at the current company?
Victor Z. Zhao, Fsa, Cera, Cspo's current role is Director, Product Analytics.
What is Victor Z. Zhao, Fsa, Cera, Cspo's email address?
Victor Z. Zhao, Fsa, Cera, Cspo's email address is vi****@****gna.com
What schools did Victor Z. Zhao, Fsa, Cera, Cspo attend?
Victor Z. Zhao, Fsa, Cera, Cspo attended Temple University, Harvard Business School Online, Temple University Rome, Lakeland Junior/senior High School.
What skills is Victor Z. Zhao, Fsa, Cera, Cspo known for?
Victor Z. Zhao, Fsa, Cera, Cspo has skills like Microsoft Excel, Leadership, Social Networking, Public Speaking, Powerpoint, Microsoft Office, Microsoft Word, Customer Service, Problem Solving, Teamwork, Marketing, Social Media.
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