Andy is a qualified actuary with extensive experience in pensions, built up at Bacon & Woodrow, Hewitt Associates, Verulam Consultants and Gemmell Financial Services Limited, where he worked before joining ExactVAL in 2018. He has focused mainly on final salary schemes and has been a Scheme Actuary since 1997, but also has significant experience of other areas, including money purchase pensions (both occupational and personal pension), automatic enrolment, flexible benefits and pensions administration. 

Winnie is a part-qualified actuary with 20 years’ experience in pensions. She started her career at Entegria Limited, moving to HSBC Actuaries and Consultants Limited in 2001.

Richard is a part qualified actuary (DAT) and has over 15 years’ experience in the employee benefits sector – the majority working with DB schemes. Until 2017 he worked for Willis Towers Watson – initially on the traditional DB consulting side and latterly expanding to health and group benefits both in the UK and the USA. He spent his last two years managing the automation of admin calculations for a number of large clients.  

James is a part-qualified actuary (DAT) with over 15 years’ experience in pensions and employee benefits. He started his career at HSBC Actuaries and Consultants in 1996, moving to Towers Perrin (now WTW) in 1999. James originally joined ExactVAL in 2007 when the company was first set up and has developed many of the systems and models used to maximise efficiency in its work. He has also worked as a statistician for the Ministry of Justice, as a financial journalist, and carried out contract roles for insurance companies, including Prudential and Munich Re.

Divyangi is a student member of the Institute and Faculty of Actuaries and joined us in March 2022. This is her first job after graduating with a degree in Actuarial Science. She has undertaken training and is now a member of the valuation team and continues to work towards qualifying as Fellow of the Institute.

Sheel is a qualified actuary with 7 years of experience in the pensions consulting industry. He began his career at Willis Towers Watson in the UK, and spent a few years in East Africa in operational/commercial roles helping grow small and medium-sized businesses. He then decided to return to actuarial work and joined us in January 2023. In his spare time he will either be travelling or playing golf.

Ellie is a student member of the Institute and Faculty of Actuaries and joined us in February 2023. She spent 7 years teaching Maths in schools in London and Australia before making a career change. She has undertaken training and is now a member of the valuation team and continues to work towards qualifying as Fellow of the Institute.