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Yu-Ching Chou

Yu-Ching Chou

Actuary

Technologies

My Portfolio Highlights

My New Course

Introduction to Python

My New Track

Data Analyst

Data juggler, effortlessly balancing variables to unlock insights.

My Work

Take a look at my latest work.

course

Data Manipulation with pandas

course

Introduction to Python

course

Intermediate Python

DataCamp Course Completion

Take a look at all the courses I’ve completed on DataCamp.

My Work Experience

Where I've interned and worked during my career.

TransGlobe Life Insurance Inc. | Mar 2018 - Present

Assistant Manager

*Actuarial pricing, research and study on funds and unit-linked insurance products, and Excel-based pricing modeling calibrated against Prophet run results *Oracle SQL *Non-forfeiture calculation *GMDB pricing, reserving, and modeling *IFRS 17 CSM calculation *Group insurance pricing and reserving *Prophet modeling *Compliance officer for the pricing department *Source of Earnings for unit-linked insurance products *Group A&D micro-insurance pricing and filing
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法國巴黎保險集團 | Feb 2017 - Feb 2018

Deputy Manager

* Unit cost/AA & Solvency II unit cost calculation and analysis * Acquisition cost, claims cost, and administration cost, per policy and per premium, calculation and proposal for Pricing's home office or local quotations based on Marketing's product specs, adopting marginal or full allocation approach * Cost Model consolidation and analysis * Expense budget calculation and analysis * Business plan review * Timesheet review and quarterly report * Time Tracking Tool maintenance

CTBC Financial Holding Co., Ltd | Aug 2015 - Feb 2017

Deputy Manager

* Participated in the partial internal model project that aimed to raise the company's foreign investment limit set by Financial Supervisory Commission Taiwan from 40% to 45%, by utilizing stochastic simulation in MG-ALFA to project C3's (interest rate risk) unexpected loss, and by utilizing deterministic simulation and liability run-off approach to generate C2's (mortality risk) VaRs with multiple confidence levels * Assisted the risk management team in ORSA Report preparation and coordination, with the aim to communicate known risks and anticipate unknown risks within management and departments in the company in a top- to-bottom and bottom-to-top manner * Studied RBC report and analyzed changes in C1o, C1s, C1c, C2, C3,and C4 every period against each risk limit * Calculated the degree of deviation of declared interest from ROI on the segregated assets of interest-sensitive insurance products and universal life products * Projected asset and liability cash flows for in-force policies in MG-ALFA for the upcoming 30 years to determine the adequacy of free surplus * Selected, maintained, and updated exchange rate, equities, real estate, and yield curve by years to maturity, in MG-ALFA's Economic Scenario Generators to conduct asset liability matching analysis * Determined risk appetite via quantitative or qualitative methodologies and set up risk limits to monitor and manage market risk, credit risk, liquidity risk and asset liability matching * Collected, analyzed, maintained, and disseminated information relating to risk exposures based on risk characteristics * Priced illiquid bonds and structured notes in Yield Book with option adjusted spread method to be used in Economic Surplus computation

安達 | Jun 2013 - Jul 2015

Actuarial Assistant

* Analyzed actuarial models and summarized actuarial data for life insurance and annuity products in the areas of profitability, sensitivity, premiums, expenses, benefits, reserves, taxes, and cash flow, in accordance with actuarial standards, pricing assumptions, and company’s profit margin, ROC, and ROA requirements * Participated in the design, pricing, and execution of life traditional insurance, variable universal life insurance and variable annuity products, both front-end loads and back-end loads * Coordinated the product launch with the local product pricing committee and associated departments * Prepared local statutory filings and product menus for the regional office in Hong Kong * Generated quotations based on new product features given by banc assurance or broker sales channels * Assisted the pricing team with English reinsurance contract translation for a GMxB product * Assisted the valuation team with reinsurance claim recovery * Maintained Insurance Bureau’s online database for company’s life insurance and annuity products * Led a team of two actuarial interns to revise the contract and the actuarial memo of 63 traditional and unit-linked products

Sodexo | Sep 2008 - Jul 2011

Financial Analyst

* Analyzed financial data for 10 business units, including revenue analysis, expense analysis, COGS analysis, budget forecasting, accruals, and amortization, as well as developing strategies based on analysis towards increasing revenues, profitability, and decreasing expenses * Studied the historical data of the audience base for each event and adjusted inventory of products to offer to maximize inventory turnover ratio * Utilized the income approach with the capitalization rate to project and evaluate each event’s sales revenue * Managed accounts payable and significantly reduced the number of past due invoices and finance charges/late fees by 20% * Monitored accounts receivable and assisted in collecting over USD$8,000 in bad debt every financial period, which helped improve days receivables outstanding and the bottom line * Handled 128 vendor accounts in the area of resolving billing and payment issues * Generated accurate financial reports with Microsoft Excel and in-house financial software * Utilized Microsoft Access to create a database for financial transactions that improved billing and payment collection efficiency * Ensured compliance with accounting deadlines

My Education

Take a look at my formal education

The University of Texas at Austin

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