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Human Capital

Our Human Capital practice is at the forefront of transforming the nature of work. As converging forces reshape industries, our team uniquely addresses the complexities of work, workforce, and workplace dynamics. We leverage sector-specific insights and cross-domain perspectives to help organizations tackle their most challenging workforce issues and align talent strategies with their strategic visions. Our practice is renowned for making work better for humans and humans better at work. Be part of this exciting era of change and join us on this transformative journey.

The Team

Insights, Innovation, and Operate

Our Insights, Innovation & Operate Offering is designed to enhance key aspects of our clients' businesses by leveraging cutting-edge technology, data, and a blend of deep technical and human expertise. We innovate and deliver creative, industry-specific solutions that streamline operations and accelerate speed-to-value

Recruiting for this role ends on 12/31/25.

Work you'll do

As a Consultative Services Life Actuary Sr. Consultant in Deloitte's Human Capital group, you will bring unique actuarial, analytical, and data sciences perspective in a management consulting environment. Selected job functions include leading medium-sized teams in the following activities:

+ Proactively follow current market trends across life insurance and annuity products, markets and regulations; anticipate future client needs and prepare accordingly

+ Redesign and modernize core business functions for life insurance clients, including new business and underwriting operations, product development, financial reporting, modeling, and related functions

+ Support deployment of modern-day tools, technologies, data sources, & analytics in such modernization initiatives, to achieve objectives such as improved stakeholder experience, reduced costs, and more actionable or insightful results

+ Participate in teams to identify, design, and deploy proprietary models, algorithms, data sets, or other assets or project accelerators

+ Provide support in developing internal and external eminence, research, and solution development

+ Provide subject matter expertise to consulting teams to facilitate the integration of actuarial with data science, technology, underwriting, distribution, finance, and other functions

+ Actively support the sales process with other senior leaders

+ Assist the Deloitte Audit Function, a separate business unit at Deloitte, providing professional actuarial assurance over the material accuracy of selected actuarial balances for selected attest clients

+ Serve as a role model advocate for recruiting, training, people development, and overall strategic planning for the practice.

Qualifications

Required:

+ Bachelor's degree

+ 4+ years of Life Actuary experience

+ Successfully passed 4 actuarial exams

+ Limited immigration sponsorship may be available

+ Ability to travel up to 50%, on average, based on the work you do and the clients and industries/sectors you serve

Preferred:

The ideal candidate will have a meaningful set of knowledge and experience across a subset of the following dimensions for individual life insurance and annuities:

+ 4+ years of experience in product development, including product design, pricing, filing and implementation, ideally across multiple distribution channels

+ 4+ years of experience developing experience studies for core life actuarial assumptions, such as lapse, mortality, expenses, etc.

+ 4+ years of experience in assumption setting for multiple purposes spanning pricing, forecasting, financial reporting and /or embedded value

+ 4+ years of experience creating actuarial projections models for multiple purposes spanning pricing, financial planning, ALM, and financial reporting

+ 4+ years of experience in financial reporting across a subset of the relevant accounting methodologies (statutory, US GAAP, IFRS, tax) for a subset of the full range of individual life insurance and annuity products

+ 2+ years of working with mergers and acquisitions, including understanding of purchase accounting

The wage range for this role takes into account the wide range of factors that are considered in making compensation decisions including but not limited to skill sets; experience and training; licensure and certifications; and other business and organizational needs. The disclosed range estimate has not been adjusted for the applicable geographic differential associated with the location at which the position may be filled. At Deloitte, it is not typical for an individual to be hired at or near the top of the range for their role and compensation decisions are dependent on the facts and circumstances of each case. A reasonable estimate of the current range is $113,100 - $208,300.

You may also be eligible to participate in a discretionary annual incentive program, subject to the rules governing the program, whereby an award, if any, depends on various factors, including, without limitation, individual and organizational performance.

Possible Locations: Atlanta, Austin, Baltimore, Birmingham, Boca Raton, Boise, Boston, Charlotte, Chicago, Cincinnati, Cleveland, Columbus, Costa Mesa, Dallas, Davenport, Dayton, Denver, Des Moines, Detroit, Fort Worth, Fresno, Grand Rapids, Hartford, Hermitage, Houston, Huntsville, Indianapolis, Jacksonville, Jericho, Jersey City, Kansas City, Las Vegas, Los Angeles, Louisville, McLean, Memphis, Miami, Midland, Minneapolis, Morristown, Nashville, New Orleans, New York, Philadelphia, Pittsburgh, Portland, Princeton, Raleigh, Richmond, Rochester, San Antonio, San Diego, San Francisco, San Jose, Seattle, St. Louis, Stamford, Tallahassee, Tampa, Tempe, Tulsa, Washington DC.

Information for applicants with a need for accommodation: https://www2.deloitte.com/us/en/pages/careers/articles/join-deloitte-assistance-for-disabled-applicants.html

For more information about Consultative Services and Human Capital, visit our landing page at: https://www2.deloitte.com/us/en/pages/careers/articles/join-deloitte-consulting-careers.html

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability or protected veteran status, or any other legally protected basis, in accordance with applicable law.

All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability or protected veteran status, or any other legally protected basis, in accordance with applicable law.