Joy is considered an industry expert in balance sheet review and valuations for mergers, acquisitions, and financing transactions for property/casualty insurance companies. In addition, her client work has included loss reserving, rate analysis, and financial forecasting for start-up companies, pricing and reserving studies for reinsurance companies, rate analysis and loss reserve reviews for specialty companies writing professional liability and directors and officers liability business, retrospective premium accrual analyses for companies writing retrospectively rated business, capital adequacy analyses, and product liability analyses for bankruptcy trusts. Joy has also managed profitability and reserve analyses for property and casualty companies domiciled in China, including PICC related to its Initial Public Offering in 2003.

Joy's work has included expert testimony assignments related to bankruptcy trust funding, valuation, and financial condition of insurance companies.

Joy has also been involved with several projects involving terrorism insurance.

Prior to joining Milliman, Joy was employed by American International Group for 10 years. During that time she worked in such areas as:

• Loss reserve analyses
  
• Profitability study analyses
  
• Retro premium accrual analyses
  
• Quarterly forecasting
  
• Development of reinsurance strategies
  
• Cash flow and investment income analyses
  
• Structuring of loss reserve portfolio sales
  

Joy also worked on the design of management information systems for a wide variety of commercial lines of business, including professional liability and directors and officers liability. In addition, she managed an excess liability underwriting unit charged with providing excess liability insurance to Fortune 500 risks.