Since 2014, Todd's career has been mainly focused on capital modelling in the London insurance market, where having a robust capital management strategy is essential. Todd has had the opportunity to work on projects involving risk assessment and validation of all major insurance and non-insurance risks, along with their implications for regulatory compliance and financial resilience.
Todd always emphasises the value of pragmatism. His approach is straightforward: seek the most efficient solution without unnecessary complexity. While it may be tempting to pursue sweeping changes all at once, Todd has found that often, the most effective solutions are incremental, and prioritise critical areas. It involves identifying key levers of change and strategically applying them.
Extensive exposure to first line end-to-end capital modelling, including active planning, model developments, documentation, governance, model use and team training.
Communication of key model inputs and outcomes across internal and external stakeholders, with a focus on enabling challenge from both technical and non-technical audiences.
Experience leading the successfully delivery of multiple Lloyd’s capital submissions, as well as a new syndicate internal model approval process.
Exposure to leading the Standard Formula calculation, as well as to the Lloyd’s Standard Model for new syndicates.
Actively improved the positioning of a syndicate’s Rio rating, ensuring that the Lloyd’s Principles for Doing Business for the capital modelling function were understood by internal management and being actively achieved.
Development of multi-entity capital models, capable of modelling and reporting the specific risk characteristics of multiple distinct or related legal entities with a focus on efficiencies and enhanced day-to-day use and upkeep.
Delivery of first line internal model validation, including stress and scenario testing, top down and reverse stress testing, profit and loss attribution, back testing, benchmarking, convergence and consistency checks and analysis of change. This included the capture and communication of feedback loops and appropriate action plan considering materiality and proportionality.
Todd graduated from University College Dublin (UCD) with a bachelor’s degree in Actuarial and Financial Studies. Prior to joining Barnett Waddingham, Todd has worked for a multinational insurer as a capital actuary in their capital modelling team, as well as a Lloyd’s syndicate as a capital actuary. He qualified as a Fellow of the IFoA in 2021.
Outside of work, Todd enjoys playing tennis and catching up on the latest Australian soaps.
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