Tony has consulted on a Pricing basis for several of the leading players in the UK General Insurance market including Halifax General Insurance, Royal Sun Alliance (More Than) and RBS Insurance (Churchill, Direct Line, Privilege). He has a track record of implementing cutting edge actuarial and statistical techniques which deliver measureable business benefits. He is comfortable leading projects, working as part of a project team or independently, and is an accomplished presenter. Recent projects include:

• Review of Competitive Position for an insurance product resulting in an Award Nomination for the client and subsequent changes to the price position.
• Actuarial Risk Review of a High Net Worth Home Insurance Product resulting in changes to the Pricing Engine
• Adoption of Proprietary Price Optimisation software for an Unsecured Personal Loan Product
• Financial Appraisal of proposed changes to a Credit Card Repayment Cover product
• GLM modelling of Claim Frequency & Severity for several Home and Creditor Insurance products with subsequent implementation and documentation.
• Developed a Retention model for a Loan Insurance product using Survival Analysis, which increased the granularity of the profit model and identified new areas of profitability
• Successful Data Migration of Motor Insurance Rating algorithms
• Customer Lifetime Value Modelling for Home and Creditor Insurance products

Tony has extensive experience of SAS and EMB pricing software, and is proficient with Microsoft Excel, VBA and Decision Tools.