Biographies

Tom Hettinger, ACAS, MAAA

Tom Hettinger is a Managing Director with EMB America LLC. Tom has over 14 years of experience and joined EMB America after a 12 year career spanning reinsurance brokering and actuarial consulting. Before joining our team, Tom was chief actuary for the tenth largest reinsurance broker in the world, John B. Collins associates, and was a principal with a well-respected independent actuarial consulting firm.

Tom’s practice areas include Enterprise Risk Management (ERM), loss reserving including its direct implication on ERM, and implementation of predictive modeling solutions. Particular examples of Tom’s past experience include:

ERM/DFA Experience
• Design and implementation of ERM models for primary and reinsurance entities.
• Design and review of ERM process for primary insurers and program writers.
• Loss reserving variability assessment.
• Reinsurance structure design, pricing analysis, and commutation analysis utilizing ERM and DFA models.
• Financial viability of business plans and blocks of business utilizing ERM and DFA models.

Predictive Modeling Experience
• Implementation of predictive modeling software for large and small insurers.
• Predictive modeling solutions design for commercial lines program writers.
• Predictive modeling solutions design for workers compensation writers.

In addition to these areas Tom has worked extensively with captives, self-insureds, and other alternative risk vehicles.

Tom graduated from Illinois Wesleyan University in 1992 with a major in Mathematics and a minor in Insurance. He became a member of the American Academy of Actuaries (MAAA) and an Associate of the Casualty Actuarial Society (ACAS) in 1996.

Tom is very active on industry and professional committees. He currently serves the Casualty Actuarial Society (CAS) as a member of the ERM Symposium Planning Committee and the University Liaisons Committee. In the past he has served as member of the Committee on Professionalism Education and a member of the Committee on Valuation, Finance, and Investments. In addition to serving on committees, Tom has historically been an instructor at the CAS Limited Attendance Seminar on DFA.

Tom has authored a number of papers on DFA including two prize winning papers that were included on the CAS Syllabus of Exams: “Building a Public Access PC-Based DFA Model” CAS Forum, Summer 1997 and “Using the Public Access DFA Model: A Case Study”, CAS Forum, Summer 1998. Other papers written by Tom include: “Customizing the Public Access Model Using Publicly Available Data” CAS Forum, Summer 1999 and “Dynamic Financial Analysis in the New Millennium” Journal of Reinsurance, Winter 2000

Tom is frequently asked to speak on CAS and industry panels covering ERM and predictive modeling.

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