Dr Dawkins Brown

Actuarial Advisory Actuarial Services Actuarial Services IAS 19 Insurance & Risk Transfer Insurance Advisory Insurance claim Operational Excellence Pension and Employee Benefits Pension Governance People360 performance & productivity

The Liability on Your Balance Sheet You May Be Underestimating

June 24, 2026by Dr Dawkins Brown

Beyond pensions, IAS 19 captures gratuities, long-service awards, post-retirement medical cover and accumulated leave. Unfunded and long-dated, these obligations are routinely under-provided — until an actuary measures them properly. Most boards know there is a number on their balance sheet for the pension plan. Far fewer are confident about the other employee-benefit obligations sitting beside...

Accountants and accounting firm accountants and auditors Accounting & Advisory Actuarial Advisory Actuarial Services Balance Sheet Risk Pension and Employee Benefits Pension Governance People360 performance & productivity Regulatory Advisory Regulatory Compliance Reinsurance Advisory

De-Risking the Pension Promise Before It De-Rails the Balance Sheet

June 24, 2026by Dr Dawkins Brown

A defined-benefit pension can be the largest financial risk an organisation carries — quiet for years, then suddenly decisive. De-risking is how a board takes control before circumstances do. A defined-benefit pension is one of the longest promises an organisation can make. It commits an employer, often decades in advance, to pay a member...

Actuarial Advisory Covenants & Financing Terms Credit Unions Credit Unions and Cooperatives Risk & Compliance Risk & Compliance (GRC)Risk & Compliance)Risk & Resilience Risk Advisory Risk Advisory firm in Jamaica Risk Advisory firm in the caribbean Risk Advisory Services

Expected Credit Loss Without the Guesswork: ECL for Caribbean Cooperatives

June 23, 2026by Dr Dawkins Brown

For the credit unions at the heart of Caribbean finance, IFRS 9’s expected-credit-loss model can feel like institutionalised guessing. Done with discipline, it is the opposite — and a powerful early-warning system. Across the Caribbean, credit unions and cooperatives are not a financial-sector afterthought — they are a cornerstone. They hold the savings of...

Actuarial Advisory Actuarial Services Insurance Insurance & Risk Transfer Insurance Advisory Insurance claim

Pricing for Profit: Actuarial Discipline in Product Development

June 23, 2026by Dr Dawkins Brown

In competitive markets, price is set at the front line — but profit is decided in the assumptions. Without actuarial discipline, insurers grow their way into losses. There is a seductive logic in insurance that catches even experienced management teams. Write more business and the top line grows; grow the top line and the...

Actuarial Advisory Actuarial Services Caribbean Business Advisory Caribbean Business Strategy Finance Transformation & Performance Improvement Financial Advisory Insurance & Risk Transfer Insurance Advisory Insurance claim

The Quiet Risk: Why Reserve Adequacy Decides an Insurer’s Future

June 22, 2026by Dr Dawkins Brown

Reserves are the largest number on most insurers’ balance sheets and the least understood by their boards. Getting them wrong is rarely loud — until, suddenly, it is catastrophic. On the balance sheet of almost any insurer, the single largest figure is also the one the board understands least. It is the provision for claims...

Actuarial Advisory Actuarial Services Governance Risk & Compliance Governance Risk and Compliance Governance-as-a-Service Caribbean GRC (Governance Insurance Insurance & Risk Transfer Insurance Advisory Insurance claim Risk Management & Governance Risk Management & Resilience

The Evolving Role of the Appointed Actuary in Caribbean Supervision

June 22, 2026by Dr Dawkins Brown

Once a signature at the back of an annual return, the appointed actuary is becoming a strategic guardian of solvency — and regional regulators are steadily raising the bar. For most of its history, the role of the appointed actuary was easy to summarise and easy to underestimate: value the policy liabilities, certify that...

Accounting Software Actuarial Advisory Actuarial Services IFRS & Financial Reporting IFRS 17 Risk Advisory firm in Jamaica Risk Advisory firm in the caribbean Risk Advisory Services Risk Assurance & Advisory

Making IFRS 17 Work in the Caribbean: Beyond Compliance to Insight

June 22, 2026by Dr Dawkins Brown

The most significant change to insurance accounting in a generation is also the region’s largest untapped source of management insight — if insurers stop treating it as a reporting chore. IFRS 17 is the most significant change to insurance accounting in a generation, and for most Caribbean insurers it arrived as the largest...

Actuarial Advisory Actuarial Services Pension and Employee Benefits Pension Governance Regulatory Advisory Risk & Compliance (GRC)Risk & Compliance)Risk Advisory Risk Advisory firm in the caribbean Risk Advisory Services Risk Assurance & Advisory

From Compliance to Competitive Edge: The Five Stages of Actuarial Value

June 22, 2026by Dr Dawkins Brown

Every organisation that carries financial risk sits somewhere on a five-stage continuum — usually without having chosen its position. Knowing where you are, and what it would take to climb, is the first strategic decision a board should make. There is a tendency, in boardrooms and management teams alike, to think of actuarial...

Actuarial Advisory Actuarial Services Insurance Advisory Pension and Employee Benefits Risk & Compliance Risk & Compliance (GRC)Risk & Compliance)Risk & Resilience Risk Advisory Risk Advisory firm in Jamaica Risk Advisory firm in the caribbean Risk Advisory Services

The Actuarial Advantage: Why Caribbean Boards Can No Longer Outsource Foresight

June 22, 2026by Dr Dawkins Brown

Executive Summary Every consequential decision made by a board rests on assumptions about the future. For insurers, pension funds, credit unions, banks, governments and large corporates, those assumptions often relate to uncertain claims, future benefits, expected credit losses, catastrophe exposures, longevity, investment returns, liquidity, solvency and capital adequacy. This is the world of actuarial...

Accounting & Advisory Accounting & Finance accounting BPO accounting firm Accounting Software Business Intelligence (BI)Business Performance & Analytics Business Resilience CFO Insights CFO Services CFO Strategy CFO Strategy & Finance Leadership Dawgen LedgerPro™

Spreadsheets vs a Real Finance Platform: What Growing Enterprises Lose by Staying in Excel

June 21, 2026by Dr Dawkins Brown

Spreadsheets are where most businesses start — and where too many stay long after they should have moved on. Here is what a growing enterprise loses by running its finances in Excel, and what a real finance platform gives back. There is nothing wrong with a spreadsheet. Excel and Google Sheets are among the most...

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