Actuary (15-2011.00)

Career Family

Business & Financial Operations → Risk & Insurance Analytics

Fit Summary

Investigative (I) and Conventional (C); MBTI often INTJ/ISTJ—quantitative, systematic, risk‑aware.

Career Overview

Apply probability, statistics, and finance to price risk and design insurance/pension products; analyze loss trends; support capital/reserving and regulatory filings.

Credential Pathways

Typical Education: Bachelor’s in math, statistics, actuarial science, or related; Job Zone 4; professional exams through SOA/CAS (associate → fellow).

Pathways: Analyst → ASA/ACAS → FSA/FCAS; rotations across pricing, reserving, capital modeling; move to product, underwriting analytics, or enterprise risk.

Regulatory Moat: Professional credentialing (SOA/CAS) and regulatory oversight (e.g., NAIC, ERISA) create high barriers.

Alternative Pathways: Data analyst or underwriting analyst → exam progress → actuarial roles; transition from data science or finance with exam track.

Environment & Lifestyle

• Work Environment: Corporate office with analytics tools; predictable hours outside of filings; some peak cycles.
• Sensory/Social Load: Low‑to‑moderate—deadlines during filings; collaboration with underwriting/finance.
• Physicality/Fieldwork: Low; desk‑based analytics.
• Geographic Anchoring: Nationwide carriers/consultancies; clusters in insurance hubs and major metros.
• Remote Amenability: High for many tasks; secure systems access required.

Future-Proofing Snapshot

• AI Augmentation Potential: High — modeling, scenario testing, and data wrangling augmented.
• AI Displacement Risk: Low‑to‑Moderate — credentialed judgment remains core.
• AI New Task Creation: Moderate — telematics/IoT risk modeling, climate risk, cyber lines.
• AI Skill Shift Intensity: Medium‑High — ML/AI, programming, data engineering.
• Automation Risk Score: Low
• Human-Core Score: Very strong — ethics, communication of uncertainty, judgment.
• Overall Vulnerability/Resilience: Highly resilient due to licensure/exams and domain expertise.
• Emerging Trends: Usage‑based insurance, climate stress testing, new data sources, solvency frameworks.

Risks / Watchpoints

• Challenging multi‑year exam pathway
• Model risk and regulatory scrutiny
• Data quality/availability constraints

Notes on Fit

Excellent for disciplined, math‑oriented students who like long‑horizon problem solving.

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