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Actuarial Advisory

IFRS 17 Beyond Compliance: Turning Data Into Strategy

IN BRIEF IFRS 17 was implemented as a reporting obligation. What it actually built, in most insurers, is a management information system that nobody has been asked to use. Three things the standard produces were not previously visible: how much unearned profit is stored in the existing book, which products are losing money at the...

Parametric Insurance: Will Your Trigger Actually Pay?

  IN BRIEF Parametric cover pays on a measured index rather than on an assessment of damage. That is what makes it fast, and it is also the source of every difficulty it creates. An earlier article in this series dealt with how much risk to retain, insure or leave unfunded. This one is about...

IAS 19: The Employee Benefit Liability Hidden Behind Payroll

IN BRIEF Most employers know what their workforce costs them this year, because it moves through payroll. Far fewer know what their workforce promises are worth, because those promises mature over decades and only a portion of them is ever measured. This article works through one employer: 480 staff, 95 retirees on a medical plan,...

Is Your Pension Plan Sustainable? Why the Funding Ratio Is Not Enough

  IN BRIEF Most trustee and board discussion of a pension plan begins and ends with the funding ratio. It is the wrong number to end on — not because it is inaccurate, but because it describes one day and says nothing about whether the plan recovers from it. Three questions matter more. How mature...

The actuarial case for caribbean climate resilience

  IN BRIEF Caribbean organisations cannot influence how often hurricanes form or how intense they become. That is the part of climate risk most discussion concentrates on, and it is the only part that is not a management decision. What is decided — deliberately or by default — is what the organisation owns and where,...

Quantifying the risks hidden in strategic plans

IN BRIEF A strategic plan is a set of assumptions with a financial statement attached. The assumptions are usually reasonable. The problem is that they are recorded as inputs rather than as uncertainties, and once a number enters the model nobody revisits who chose it or what it would take to be wrong. This article...

Actuarial science beyond insurance and pensions

  IN BRIEF Actuarial technique is not a service for insurers. It is a method for putting a number on uncertainty — and most organisations are already carrying uncertainty they have priced by assumption rather than by measurement. Three worked cases follow: an extended warranty, a receivables book and an inventory decision. None involves an...

Actuarial Insight for Boards: Turning Numbers into Strategic Advantage

Across fourteen articles, this series has built one argument — that actuarial thinking is not a back‑office discipline but a way of seeing. This closing piece asks what it takes to convert that sight into decisions, and decisions into advantage.   A number, on its own, decides nothing. A reserve estimate, a capital ratio, a...

Stress-Testing the Future: Building Resilience Before the Shock

A business plan is a single confident line into an uncertain future. Stress-testing fills the silence around it — answering not what we expect, but what would happen if we are wrong, and how wrong we can afford to be.   Every business plan is a single confident line drawn into an uncertain future. It...

Capital Set Free: How Actuarial Optimisation Releases Trapped Value

Much of the capital a financial institution holds is trapped — locked away by crude measurement and inefficient structure, not by any genuine requirement. Releasing it, safely, is among the highest-value things actuarial work can do.   Capital is the most expensive resource a financial institution holds. An insurer, a bank, a credit union must...

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Dawgen Global is an integrated multidisciplinary professional service firm in the Caribbean Region. We are integrated as one Regional firm and provide several professional services including: audit,accounting ,tax,IT,Risk, HR,Performance, M&A,corporate recovery and other advisory services

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https://www.dawgen.global/wp-content/uploads/2023/07/Foo-WLogo.png

Dawgen Global is an integrated multidisciplinary professional service firm in the Caribbean Region. We are integrated as one Regional firm and provide several professional services including: audit,accounting ,tax,IT,Risk, HR,Performance, M&A,corporate recovery and other advisory services

Where to find us?
https://www.dawgen.global/wp-content/uploads/2019/04/img-footer-map.png
Dawgen Social links
Taking seamless key performance indicators offline to maximise the long tail.

© 2023 Copyright Dawgen Global. All rights reserved.

© 2024 Copyright Dawgen Global. All rights reserved.