Raphael Lloren
About Raphael Lloren
Raphael Lloren is an Actuarial Analyst Intern currently working at Intact in Toronto, Ontario. He has a background in physics and financial mathematics, with experience in various actuarial and analytical roles across multiple organizations.
Work at Intact Financial Corporation
Currently, Raphael Lloren serves as an Actuarial Analyst Intern at Intact Financial Corporation in Toronto, Ontario, Canada. He has held this position since 2021, contributing to various actuarial projects and analyses. His role involves applying actuarial principles and methodologies to support the company's financial objectives. Lloren is involved in tasks that require a strong understanding of risk measurement and pricing techniques.
Education and Expertise
Raphael Lloren holds a Bachelor of Science in Physics from Queen's University, which he completed from 2007 to 2012. He furthered his education by obtaining a Bachelor of Science in Financial Mathematics from Ryerson University, graduating in 2021. Lloren has developed expertise in risk measurement techniques, including Value at Risk (VaR), Expected Shortfall (ES), and Monte Carlo Simulations. He has also completed 36% of the Associate of the Casualty Actuarial Society (ACAS) requirements.
Background in Actuarial Analysis
Lloren's background includes various internships and roles in the actuarial field. He previously worked as an Actuarial Analyst Intern at RSA Canada for one month in 2021. Additionally, he participated in the Student Central Independent Summer Program with the Casualty Actuarial Society in 2020 for two months. His experience encompasses both actuarial analysis and financial mathematics.
Professional Experience in Finance
Prior to his actuarial roles, Raphael Lloren worked at Millennium 1 Solutions as a Bilingual Credit Analyst from 2017 to 2020. He also held positions at CORE Advisory, first as a Mortgage Loan Originator from 2015 to 2017 and later as a Commercial Loan Underwriter from 2020 to 2021. These roles provided him with a solid foundation in financial analysis and underwriting.
Skills in Actuarial Techniques
Raphael Lloren possesses skills in various actuarial techniques, including univariate and multivariate pure premium pricing and loss ratio pricing. He is knowledgeable in actuarial reserving methods such as the Bornhuetter-Ferguson and Berquist-Sherman techniques. Lloren is recognized for his ability to propose innovative solutions and for his strong organizational skills, which enable him to manage multiple tasks effectively.