STEPHEN F. FLICK

* ********* ****** 802-***-**** (cell)

Northfield, VT 05663 802-***-**** (home)

g3xufs@r.postjobfree.com

SUMMARY Actuary with experience in insurance pricing, rate

filing, financial reporting and profitability analysis.

Detail-oriented professional with highly developed

analytical skills seeking positions with exposure to

multiple departments, where diverse

professional experience can be leveraged by

employer to create value for whole organization.

EXPERIENCE

2007-2009 BLUE CROSS BLUE SHIELD OF VERMONT Berlin, VT (Associate Actuary)

Created company-wide cost and utilization trend filings.

Created rate filings of individual and group health insurance products.

Determined profitability of HMO business for the company

and for associated risk-sharing physician health organizations.

Calculated reserves and liabilities and monthly financial

performance statistics on all company products (group

health, stop-loss, individual health,

Medicare Supplement, Medicare Part D, FEP and HMO health)

Analyzed premium rates, rate components and rate filings for profitability.

2005-2006 HM INSURANCE GROUP Pittsburgh, PA (Actuarial Associate)

Managed relationships with clients that produced $100

million in annual premium. These relationships involved

group health insurance risk-sharing contracts, group health

insurance fronting contracts, provider

excess loss insurance policies and health reinsurance contracts.

Performed actuarial and financial due diligence, contract

analysis and compliance on potential health

insurance risk-sharing and reinsurance clients.

Calculated premium rates and supporting factors for health insurance clients.

Analyzed new business and renewal business strategies and

results of selected clients to increase client profitability.

Reviewed group underwriting cases for selected clients.

Audited client underwriting and actuarial files on-site.

Calculated and reported IBNR claims and

monthly financial performance statistics on all client contracts.

2003-2005 Working outside the actuarial profession and

insurance industry, completing masters-level courses in

Studies of the Future from the University of

Houston-Clear Lake and sitting for SOA actuarial examinations.

1997-2003 AMERICAN TRUST ADMINISTRATORS Overland Park, KS (Assistant Actuary)

Evaluated PPO networks’ service areas, provider fees and

provider discounts for pricing medical and dental products.

Calculated experience-rated quotes for selected new business groups.

Created GAAP monthly financial statements, projections and

reserves for all company products and Advance Insurance Company’s dental products.

Provided reinsurers with monthly financial statement and rating information.

Completed special projects such as rate filings with state

insurance departments and association term life insurance quotes.

1993-1997 Earned a MS in finance from Georgia State

University, earned the ASA designation, passed level 1 of

the CFA examinations and worked outside of

the actuarial profession and insurance industry.

1987-1993 EXECUTIVE LIFE INSURANCE COMPANY Los Angeles, CA (Actuarial Analyst)

Calculated premiums, benefits and GAAP, statutory and tax

reserves for group annuity products that

produced over $1,000,000,000 in sales during the products’ history.

Audited group pension participant data.

Evaluated mainframe and PC programs and verified output for actuarial accuracy.

Primary contact for external auditors and pension plan

representatives on group annuity products actuarial work.

1985-1987 THE TRAVELERS COMPANIES Hartford, CT (Actuarial Analyst)

Coordinated guaranteed rate basis annuity production among

actuarial and client services departments that produced $100,000,000 in annual sales.

Created terminal funding quotes for the company’s Group Annuity department.

Developed various pricing bases and worked on mortality

studies for rate basis annuity and terminal funding products.

EDUCATION GEORGIA STATE UNIVERSITY Atlanta, GA

MS, Finance 1996, Overall GPA: 3.7

UNIVERSITY OF MINNESOTA Minneapolis, MN

MBA, Risk Management and Insurance 1985, Overall GPA:

3.5, Finalist, University of Minnesota Field Project Team

of the Year Award for evaluating Gelco Corporation’s

standard benefits program and developing a cost-effective flexible benefits program.

MERCER UNIVERSITY Macon, GA

BA, Mathematics 1983, Overall GPA: 3.0

UNIVERSITY OF HOUSTON - CLEAR LAKE Houston, TX

MS courses in Studies of the Future, 2004

ACHIEVEMENTS

Associate, Society of Actuaries (ASA)

Member, American Academy of Actuaries (MAAA)

Member, World Future Society

Associate Member, Association of Professional Futurists

Passed level 1 of the CFA examinations

Completed Dale Carnegie training

SKILLS

Advanced level: Word, Excel, PowerPoint, Tillinghast Reserve

Intermediate level: Access, SAS

ORGANIZATIONS Memberships in the Society of Actuaries and American Academy of Actuaries

Contact this candidate