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TD Insurance is part of TD Bank Group, one of Canada’s largest financial institutions. TD Insurance helps protect clients from the accidents of life’ with a wide range of products including credit protection, life, health, travel, home and auto insurance.
With more than three million clients, TD Insurance authorized products and services are available online, over the phone, and through a network of more than 1,000 TD Canada Trust branches.
In Canada, we have two lines of business, General Insurance and Life and Health. Our General Insurance business is one of the top home and auto insurance groups in Canada and the national leader in group insurance and affinity marketing.
Our Life and Health business is the number one provider of critical illness insurance and direct life and health insurance in Canada.
At TD Insurance, we are committed to fostering an inclusive, accessible environment. With a Canada-wide workforce of over 4,000 employees and offices in Atlantic Canada, Quebec, Ontario and Alberta, our company is always growing and can help you to grow.
TD Insurance offers a stable and dynamic work environment where talent is appreciated and professional development is taken seriously.
More than just a job, we offer rewarding careers.
GI Pricing oversees the overall pricing strategy of general insurance products that aligns with TD Insurance’s business objectives in compliance with jurisdictional premium regulations.
Pricing is a determining component of our home and auto insurance products that cater to direct and affinity markets.
Reporting to the Pricing Senior Manager, Initiatives & Governance, the Actuarial Analyst II, Governance & RSP plays a key role supporting its goals in terms of maintaining efficient Pricing Governance and Cession by working on :
Continuous oversight on Pricing Governance and controls
Manage regulatory requests and ensure Pricing abides by regulations for all regions and products
Be the main contact point for the following teams : BOC, Risk Management, Internal Audit, Global Controls Office, TRMIS, Compliance,
Manage the multiple audits (Internal, SOX, FSRA, OSFI, FA, Compliance, and many more)
Gain a deep understanding of the various Pricing functions and propose improvements to increase efficiency
Ensure all recurrent pricing tasks are performed on a timely and consistent basis
Manage creation / approval / maintenance of all Procedures / guides as well as EUCs
Manage pricing reporting of rate changes
Help in the creation of team policies and mandates
Additionally, the Actuarial Analyst, Governance & RSP will have to work on optimizing the Risk Sharing pool (RSP) cession for all regions.
In order to attain this goal, the analyst will have to work on :
Producing and validating monthly and quarterly reports including cession and profit oversight
Ensure Facility Association (FA) rules are being followed in all regions
Provide FA, Risk Management and Corporate Finance with all necessary cession projections and regularly update those projections
Compare projections and actual results and if necessary initiate proper changes to reach RSP goals
Be the main point of contact with the FA for RSP cession related matters
Ensure risk cession threshold is in line with goals
Communicate RSP initiatives with all impacted stakeholders including Finance, DAI, Underwriting
Manage ad-hoc RSP Pricing requests
Three to five years of actuarial experience in Property & Casualty