Adair Bernardo Flores Calderón

Provide independent actuarial consulting for corporate clients, focusing on risk transfer and benefit optimization. Advise on operational risk and regulatory compliance, and support social welfare and IMSS/AFORE retirement strategies with P&L ownership for a new F&B venture.

Led high-complexity actuarial audits for U.S. Self-Insured health and life portfolios with GWP exceeding $10,000,000. Performed IBNR reserve and employee benefit liability analysis, negotiated stop-loss reinsurance resulting in an 11.5% cost saving, and built Power BI dashboards to track portfolio P&L.

Owned regional underwriting strategy for CLP (Credit Life Protection) and PL (Lifestyle Protection), implementing programs through negotiations with fronting insurers managing premiums over €2,000,000. Managed P&L and portfolio performance to drive 18% growth in LATAM acquisitions, supported executive KPI reporting for corporate headquarters in France and Portugal.

Designed and executed pricing for Life Group, A&H, Travel, and Affinity portfolios across Mexico, Costa Rica, and Ecuador. Increased portfolio retention to 94%–97% by optimizing profitability models and strengthening broker relationships, while implementing portfolio management tools and actuarial projections.

Managed underwriting for new and renewal business in Life Group, AP, and group medical expense lines, providing technical oversight and guidance to commercial sales teams. Delivered 92%–95% portfolio retention and a 21% increase in sales through underwriting controls and profitability focus.

Conducted statistical analysis of academic staff workload data across UNAM faculties and schools. Automated reporting workflows using SQL and Microsoft Access to improve data processing and output generation.

Diploma in Professional Sales & Marketing Management at UVM in 2025.

Completed a B.S. in Actuarial Science at UNAM in 2014.