Services
Actuarial and risk consulting, delivered independently.
Four focused practice areas. All engagements led personally by Jonas Osman — an actuary with deep experience across reserving, capital, pricing, and enterprise risk.
Enterprise Risk Management
Build an ERM framework that boards trust and operating teams actually use.
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Loss Reserving
Independent, defensible reserve estimates and reserving process reviews.
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Capital Modeling
Economic and regulatory capital models that inform real business decisions.
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Predictive Modeling & Pricing
Modern pricing and predictive analytics — from GLMs to gradient boosting, kept explainable.
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Further reading
Background on the methods behind these engagements.
- Enterprise Risk Management, DemystifiedERM isn't a binder on a shelf. It's the operating system a modern insurer or company uses to make decisions under uncertainty. Here's how to think about it.
- Loss Reserving ExplainedLoss reserving is one of the most consequential numbers on an insurer's balance sheet. This is a practical tour of how it's done and where the judgement calls hide.
- Predictive Modeling in InsurancePredictive modeling has quietly reshaped insurance pricing. Here's what actually works, what to watch out for, and how to keep models explainable to regulators.