Zohair has extensive experience in the fixed annuity and variable annuity spaces and specializes in helping clients develop models to support U.S. statutory and GAAP financial reporting requirements. In recent years, he has also worked extensively with many companies in the areas of model validation, governance and remediation, mergers and acquisitions, economic capital, and nonguaranteed element analysis. He has deep expertise with respect to the VM-21 and VM-22 principle-based reporting frameworks for variable and non-variable annuities, respectively. Prior to joining Milliman, Zohair worked at a large life insurance company in a financial reporting role, specializing in statutory and GAAP reporting, embedded value, cash flow testing, and forecasting projects. He is a strong Integrate® user and has experience with several other actuarial modeling platforms.
Zohair is an active member of the American Academy of Actuaries Variable Annuity Reserve and Capital and (Non-Variable) Annuity Reserve and Capital working groups. He is also a frequent speaker at Society of Actuaries meetings on financial reporting, model efficiency, and other modeling-related topics. Zohair’s paper “A Discussion of Actuarial Guideline 43 for Variable Annuities” was selected as a study note for the SOA exam syllabus.
