Europ Assistance Brasil

Actuary

• Monitor the performance of active contracts, assessing their profitability, identifying imbalances and the need for renegotiations;
• Track changes in service costs, volume of services delivered, reimbursement levels, forecasts of future volumes, etc., for active contracts using financial and operational data, calculating their actual profitability versus estimated values;
• In cases of imbalance, draft and submit proposals for price adjustments and/or changes in scope of supply to the Commercial department for client negotiations;
• Organize files and databases for statistical analysis and data modeling;
• Prepare profitability analysis reports for active contracts according to standards and frequency defined by senior management;
• Monitor forecasts for external costs and clients' technical margins.

Technical Studies Specialist – Actuarial

Compliance

• Support the drafting and review of Compliance policies, standards and procedures
• Contribute to the maintenance and evolution of the Privacy and Data Protection Program, providing support across all its pillars
• Advise internal teams on privacy and data protection matters
• Analyze contractual clauses and data flows related to privacy and Compliance
• Monitor compliance risks and propose corrective actions
• Track regulatory changes and assess their impact on internal processes
• Participate in training and awareness activities on ethics and integrity
• Support internal investigations and Due Diligence processes
• Evaluate Compliance risks and ensure adherence to internal standards

Senior Risk and Compliance Analyst

Financial Planning and Analysis

• Enable and reconcile payments and receipts across multiple channels;
• Validate compliance with commercial agreements, allowances and rebates to commissioned partners;
• Ensure alignment of balances, discrepancies and provisions with partners;
• Ensure the integrity of financial data throughout the entire transactional cycle;
• Actively collaborate with all areas involved in Controllership, ensuring robust projections, strategic financial visibility and support for risk and opportunity management;
• Perform daily monitoring of EABR's bank accounts, verifying fund inflows and outflows, analyzing cash surpluses and shortages, and executing transfers between accounts. Contact banking institutions for clarifications when needed;
• Based on forecasts of credits and debits and in coordination with Financial Planning and Accounting, estimate volumes and timing of cash surpluses in accounts and direct these funds to established investment accounts;
• Monitor the company’s investment accounts, analyzing returns and maturities, and recommend transactions and portfolio changes to management;
• Support leadership in evaluating new investment alternatives by assessing opportunity, profitability, minimum investment amounts and risks for potential inclusion in the investment portfolio;
• Prepare cash flow projection reports based on expected inflows/outflows using ERP data and reports provided by Financial Planning;
• Assist leadership in standardizing internal processes and responding to audits by supplying documentation and implementing corrective actions in cases of non-conformities.

Technical Studies Specialist – Actuarial

Senior Risk and Compliance Analyst

Financial Control Specialist