3/2012 - 2/2016Main responsibilities of this position are pricing and rate filing of NY Large group, Small group and Individual commercial business.• Rate filing. Responsible for New York Large Group, Small Group and Individual commercial business rate filings. Understand legal requirements related to NY rating practice and rate filings for each segment. Communication/meeting/working/explaining rate filing element with internal business partners. Closely and proactively working relationship with NY Department of Financial Services.• Pricing. Deep understanding of LG and SG quoting tool/model and thorough understanding of manual rate structures. Deep understanding of the LG/SG pricing model. Deep understanding of the IVL pricing/rate filing model. • Pricing related financial analysis. Update/improve data analysis process on 51-100 block of business. Develop tool to improve rate testing.• Reserve and Forecast/Plan. Work with colleagues and financial partners to drill in financial results and give reasonable explanations. 9/2007 - 3/2012Main responsibilities of this position are pricing and rate filing of PA/NJ/DE large group commercial business.• Rate filing and pricing. Responsible for large group commercial business rate filing for PA/NJ/DE. Understand legal requirements related to NE region large group rating practice and rate filing for PA/NJ/DE. • Pricing related financial analysis. New business discount, provider discount and cross product pricing tool, national ACT tool, and spectrum portfolio pricing tool. • Underwriting and financial analysis. High level understanding of the LG underwriting process and its connection to the actuarial process, including case level UW support. Have high level of competency to work independently in seeking solutions and making recommendation to management.

Actuarial Manager, Cigna Healthcare Bloomfield, Connecticut 06/2006 – 09/2007• CIGNA Healthcare Provider Contract Underwriting. Responsible for national lab initiative financial analysis. • Working closely with actuarial, health services & contracting management to identify and measure the key metrics and assumptions that will drive our monthly financial forecasts and annual operating plan. Successfully work with contractors in setting the 2007 national plan for lab and transplant centers. • Translate PCU national initiative savings into trend deflection and coordinate feeding the trends into the pricing department and other business partners.Actuarial Manager, Cigna Healthcare Bloomfield, Connecticut 10/2004 – 06/2006• CIGNA Healthcare HMO Reserves. • Monthly follow-up/communication of reserve calculations.• Reserve Model maintenance. Senior Actuarial Analyst, Cigna International Wilmington, Delaware 04/2002 – 09/2004• Employee Benefit business including Medical, Dental, life and AD&D. Monthly reserve responsibility.• Trend and loss ratio analysis. • Financial Analysis: Provide technical and data analysis support to enable better understanding of CIGNA International business.

Actuarial Assistant, AIG Wilmington, Delaware 06/2000 – 04/2002• Agency commission calculation support. • Establish product prices/rates, including the gathering of market intelligence, the completion of pricing calculations and presentation of results. • Support administration implementation including testing of administrative systems and checking results. • Other responsibilities include preparing actuarial information and reports to support the development of new products, with special emphasis on product documentation, profitability analysis and the actuarial memorandum.