Daniel K. Yoshiba

**** *. ******* *******, ** ***25

Phone: 312-***-**** E-mail: adino9@r.postjobfree.com

Key Skills

Analytical – Strategic mindset with an eye for process improvement at small business level and enterprise view; keen problem solver

Project Management – Proven track record of development and implementation of enterprise-wide frameworks, experience forming and facilitating cross-functional work teams. Strong organizational skills with attention to detail.

Communication – Effectively consulted with various business units and management levels (including senior executive levels down to entry level analysts). High level of competency in explaining complex financial/statistical modeling to wider audience

Social Trend Identification – Extremely adept to identify social trends/cultural movement changes utilizing and interpreting messy data sets

Technical Skills

Computational/Data Software – Excel, Office Suite, R, SAS, Python, Archer Database

Professional Experience

National General Insurance – Chicago, IL October 2019 – Present

Financial Risk Senior Analyst

Developed and introduced the multibillion dollar Enterprise Economic Capital Model to determine risk capital and evaluate risk adjusted returns for the enterprise wide/business segments. Utilized for credit risk analysis on key competitors, rating agency capital requirements, balance sheet strength and strategic planning scenarios

Recreated the Risk Dashboard with key risk metrics and high risk areas for higher transparency improved reporting to the Senior Executive Risk Committee. Utilized for more clear communication across enterprise and external parties around complex financial analysis and risk modeling

Allstate Insurance Company – Northbrook, IL August 2016 – October 2019

Enterprise Risk & Return Management Performance Analytics Senior Analyst

Developed the multibillion dollar Enterprise Economic Capital Aggregation Model to determine risk capital and evaluate risk adjusted returns for the enterprise wide/business segments. Received high praise/recognition for robust framework from senior executives and external reviewers

Implemented the Economic Capital Framework into the enterprise strategic planning process to inform/consult senior leadership around strategic risk decisions; led to $4.0B increase in equity exposures over the planning period within the investment portfolio, increased financial investments towards non-insurance business lines as well as growth in acquisition activities. Utilized within all of FP&A, M&A, Capital Management and Corporate Strategy Planning

Conducted analysis and research around inter-risk correlations to enhance Economic Capital diversification benefits and allocation methodology as well providing further transparency and understanding to senior leadership; led to further empirically calculated correlation factors resulting in additional $2.2B of diversification benefit and deployable capital

Conducted credit risk analysis on key competitors, evaluating rating agency capital requirements (AM Best BCAR, NAIC RBC, S&P capital model, etc.) and balance sheet strength; utilized for strategic planning scenarios and competitor’s analysis

Developed areas in Model Risk Governance: Created Own Risk and Solvency Assessment (ORSA) documentation, applied model risk governance practices across enterprise high risk models and reviewed enterprise risk areas for Senior Management Incentive Compensation Programs

Deloitte Consulting LLP – Chicago, IL January 2016 – February 2016

Winter P&C Reserving Intern

Estimated losses/liabilities for broad portfolio of insurance products (general liability, commercial auto, workers compensation, marine, surety insurance, etc.)

Aon Hewitt – Chicago, IL March 2015 – June 2015

Retirement/Investments Intern

Performed pension and post-employment benefit valuations for wide portfolio of clients. Conducted benefit calculations and gain/loss analysis on pensions

Peoples Protection Group Insurance – Northbrook, IL February 2014 – April 2015

Financial Data Analyst

Tracked data on total $ amount of business volume each agent produced by total placed, chargeback and lost business weekly

Presented agent performance reports to owner and regional managers of the total business placed,% of business placed and lost, ppl (price per lead), % of business conversions and discussing cost efficiency of different agents and the products distributed

Education/Certifications

DePaul University - Chicago, IL

Masters: Applied Mathematics w/Concentration in Statistics Graduated June 2016

University of Illinois at Chicago - Chicago, IL

Bachelor of Science: Mathematics Graduated December 2013

IBM Coursera Course Certificate - Chicago, IL

Data Science Methodology Completed November 2019

Additional

Social sentiment trading based on social/cultural sentiment changes utilizing alternative data sources (i.e social media, search engines, web traffic, etc.) to capture informational edge over hedge funds/investment firms

Founded an online poker club named the Bluff Lounge Poker utilizing a third-party poker application and amassed a player pool of over 300 players. Designed the poker club economy to construct a fun, safe/secure and highly sustainable gaming experience (April 2019 – May 2020)

240% ROI playing No Limit Holdem Poker (sit n go and 6max cash games online) during university

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