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Vincent Embser

Consulting Actuary, Financial Risk Management
Chicago, IL, US

Tel: +1 312 5772862

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  • Bachelor of Arts, Mathematics, Boston College
  • Master of Actuarial Science, University of Waterloo

Current Responsibility

Vincent Embser is a consulting actuary with Milliman's Financial Risk Management practice in Chicago. He joined the firm in 2011.


Vincent has worked for over five years as an analyst and consultant in the variable annuity space, with a focus on stochastic modeling of VAs for valuation, reserving, and hedging. He has extensive experience developing nested stochastic projections of fair value and statutory reserves, and in the operation of valuation models for dynamic hedging. He has worked on hedge programs for several VA writers and reinsurers, and he recently oversaw model implementation for a reinsurer’s daily hedge program of Japanese VA business. He has also supported buy-side due diligence for several M&A projects involving large U.S. life insurance companies.

In addition, Vincent has worked on a number of industry-wide experiences studies of VA policyholder behavior, which have incorporated data science and predictive analytic techniques to improve understanding of lapse and withdrawal behavior.

  • Work at Milliman

    • “I was offered a chance to come in, shake things up, create something."
    Work at Milliman