Conseil

Providing tailor-made solutions to your company’s challenges

Our team of experts supports insurers and banks in resolving their technical and organizational challenges through high-impact, creative, and tailored solutions.

Vie insurers are facing increasing pressure from regulatory changes, evolving customer expectations, technological disruption, and complex financial environments. Our experts support life insurance companies throughout the entire actuarial and risk management value chain, helping them enhance performance, strengthen governance, and accelerate transformation initiatives.

Our expertise includes

Actuarial Function

We help insurers strengthen their actuarial function by ensuring compliance, improving governance frameworks, and enhancing the quality of actuarial opinions provided to management and regulators.

Key services : 

  • Actuarial Function Holder support
  • Technical provisions review
  • Solvency II compliance
  • ORSA support
  • Validation des modèles
  • Actuarial governance enhancement
  • Internal control frameworks

Our pricing specialists support the development and optimisation of life insurance products through advanced modelling techniques and data-driven insights.

Key services : 

  • Construction and validation of mortality tables
  • Product pricing and profitability analysis
  • Embedded value assessment
  • Experience studies
  • Assumption setting and review
  • Product redesign and innovation
  • Profit testing
  • Market competitiveness analysis

We assist insurers in establishing robust reserving frameworks that ensure accuracy, transparency, and regulatory compliance.

Key services : 

  • Best Estimate Liabilities calculation
  • IFRS 17 reserving support
  • Solvency II technical provisions
  • Cash flow modelling
  • Reserve adequacy testing
  • Methodology review
  • Assumption governance

Our consultants support the design, optimisation, and monitoring of reinsurance strategies to improve capital efficiency and risk management.

Key services : 

  • Reinsurance programme optimisation
  • Treaty pricing and evaluation
  • Capital relief analysis
  • Risk transfer assessment
  • Reinsurance effectiveness monitoring
  • Financial reinsurance analysis

We help life insurers modernise their actuarial operating models and accelerate digital transformation initiatives.

Key services : 

  • Target Operating Model design
  • Actuarial process optimisation
  • Automation and industrialisation
  • Data governance frameworks
  • Technology implementation support
  • Change management
  • Agile transformation programmes

Our ALM specialists help insurers effectively manage the interaction between assets and liabilities to strengthen financial resilience, optimise investment strategies, and support long-term business objectives.

Key services:

  • Strategic Asset Allocation (SAA) studies
  • Asset-liability matching analysis
  • Interest rate and liquidity risk management
  • Cash flow projection and modelling
  • Economic Scenario Generator (ESG) development and validation
  • ALM model design, review, and validation
  • Solvency II balance sheet and capital impact assessments
  • Investment strategy optimisation
  • Stress testing and sensitivity analysis
  • Support for regulatory and risk management requirements

We support insurers in navigating increasingly complex regulatory requirements while strengthening enterprise risk management capabilities.

Key services : 

  • Solvency II reporting
  • ORSA development
  • Risk appetite framework design
  • ESG integration
  • Stress testing
  • Regulatory compliance assessments
  • Model risk management

Your contact

Jean-Baptiste Coulomb

Senior Expert & Domain Lead Life/Finance
j-b.coulomb@detralytics.eu
+33 475 686 05

Our offers

Actuarial Function​ | Life

Flexible actuarial function services, from expert support to full outsourcing.​

Construction and validation of mortality tables

Mortality table transformation for stronger projections, pricing alignment, and decision support.

Our publications

Modélisation de la mortalité régionale à l’aide de B-splines pénalisées

By Idrissa Belem, Donatien Hainaut & Thomas Hames (2026)

Participating life insurances in an equity-libor market model

By Donatien Hainaut & Laurent Devineau (2024)

Risk management with local least squares monte-carlo

By Adnane Akbaraly & Donatien Hainaut (2023)

Calcul de la valeur de conversion de l'usufruit

By Michel Denuit & Julien Trufin (2019)

Notre Non-Vie Insurance practice helps insurers navigate increasingly complex market conditions while maintaining profitability, resilience, and regulatory compliance. From pricing and reserving to reinsurance and business transformation, we deliver solutions that enhance technical performance and strengthen risk management capabilities. By combining actuarial excellence with data-driven innovation, we enable insurers to make more informed and forward-looking decisions.

Our expertise includes

Actuarial Function

We help non-life insurers strengthen their actuarial function by ensuring regulatory compliance, enhancing governance frameworks, and providing robust actuarial insights to support decision-making.

Key services:

  • Actuarial Function Holder support
  • Technical provisions review
  • Solvency II compliance
  • ORSA support
  • Reserve adequacy assessment
  • Validation des modèles
  • Actuarial governance enhancement
  • Internal control frameworks

Our pricing specialists support insurers in developing sustainable and competitive pricing strategies through advanced actuarial modelling and data analytics.

Key services:

  • Tariff design and optimisation
  • Risk segmentation analysis
  • Pricing model development and validation
  • Portfolio profitability analysis
  • Experience and claims studies
  • Assumption setting and review
  • Market competitiveness analysis
  • New product pricing

We assist insurers in establishing robust reserving frameworks that ensure accuracy, transparency, and regulatory compliance.

Key services:

  • Best Estimate Liabilities calculation
  • Claims reserving and projections
  • IBNR assessment
  • Reserve adequacy testing
  • Solvency II technical provisions
  • IFRS 17 reserving support
  • Methodology review and validation
  • Assumption governance

Our consultants support the design, optimisation, and monitoring of reinsurance strategies to enhance risk transfer and capital efficiency.

Key services:

  • Reinsurance programme optimisation
  • Treaty design and evaluation
  • Catastrophe risk mitigation
  • Capital relief analysis
  • Risk transfer assessment
  • Reinsurance effectiveness monitoring
  • Retention strategy analysis
  • Alternative risk transfer solutions

We help non-life insurers modernise their actuarial and underwriting operations while accelerating digital transformation initiatives.

Key services:

  • Target Operating Model design
  • Pricing and reserving process optimisation
  • Automation and industrialisation
  • Data governance frameworks
  • Technology implementation support
  • Change management
  • Agile transformation programmes
  • Advanced analytics integration

We help non-life insurers optimise the management of assets and liabilities to strengthen financial resilience and support strategic decision-making.

Key services:

  • Asset-liability matching analysis
  • Strategic Asset Allocation studies
  • Investment strategy optimisation
  • Cash flow modelling and projections
  • Economic Scenario Generator (ESG) development and validation
  • ALM model design and validation
  • Stress testing and sensitivity analysis
  • Solvency II balance sheet assessments

We support insurers in navigating increasingly complex regulatory requirements while strengthening risk management frameworks and governance.

Key services:

  • Solvency II reporting
  • ORSA development
  • Risk appetite framework design
  • ESG integration
  • Stress testing and scenario analysis
  • Regulatory compliance assessments
  • Model risk management
  • Enterprise Risk Management (ERM) support

Your contact

Christophe De Fays

Senior Expert & Domain Lead Non-Life Risk & Regulatory
c.defays@detralytics.eu

Gireg Willame

Expert & Domain Lead Non-Life Business & Modelling
g.willame@detralytics.eu

Our offers

Actuarial Function​ | Non-Life

Flexible actuarial function services, from expert support to full outsourcing.​

Our Recent Assignments

Our publications

Défi Climatique et assurance

By Michel Denuit & Julien Trufin (2025)

Insurance Analytics with clustering techniques

By Charlotte Jamotton, Donatien Hainaut & Thomas Hames (2024)

Cloud failure and cyber insurance

By Olivier Lopez & Daniel Nkameni (2024)

cyber incident reports : extrapolating severity using neural networks

By Justin Kher, Olivier Lopez & Hugo Rapior (2023)

Boosted poisson regression trees : a guide to the BT Package in R

By Gireg Willame, Julien Trufin & Michel Denuit (2023)

Modeling accumulation scenarios in cyber risk

By Louise d’Oultremont, Olivier Lopez and Brieuc Spoorenberg (2021)

Tarification d'expérience sur statistiques sinistres écrêtées

By Carole Bettonville, Michel Denuit, Florent Dubus & Julien Trufin (2021)

The reason why bagging trees outperform decision tree

By Candy Mahirwe, Michel Denuit & Julien Trufin (2020)

Semi-markov multistate individual loss reserving model in general insurance

By Carole Bettonville, Robin Van Oirbeek, Michel Denuit & Julien Trufin (2020)

Health & Protection insurers operate in a rapidly evolving environment shaped by changing customer expectations, regulatory pressures, and increasing data availability. We help our clients design sustainable products, optimise technical performance, and transform their operating models to drive long-term value creation. Combining actuarial expertise, advanced analytics, and innovative technologies, we support strategic decision-making across the entire insurance value chain.

Our expertise includes

  • Réassurance
  • Business
  • Transformation
  • Regulatory & Risk Management

Your contact

Jean-Baptiste Coulomb

Senior Expert & Domain Lead Life/Finance
j-b.coulomb@detralytics.eu
+33 475 686 05

Our Recent Assignments

Support in health

Health – Reserving/Profitability

The Finance function is at the heart of strategic decision-making, regulatory compliance, and business performance. Our experts help insurers and financial institutions navigate complex financial and accounting challenges, enhance reporting capabilities, and improve operational efficiency. Combining deep industry knowledge with advanced analytical tools, we support organisations in delivering accurate financial insights, meeting evolving regulatory requirements, and driving sustainable business performance.

 

Our expertise includes

  • IFRS 17 implementation and optimisation
  • Financial reporting and performance management
  • Capital management and optimisation
  • ESG reporting and sustainability frameworks
  • Asset valuation and financial modelling
  • Financial planning and forecasting
  • Finance transformation and process improvement
  • Data analytics and finance automation
  • Regulatory reporting and compliance
  • Management information and business intelligence

Your contact

Jean-Baptiste Coulomb

Senior Expert & Domain Lead Life/Finance
j-b.coulomb@detralytics.eu
+33 475 686 05

Our Recent Assignments

Our publications

Financial institutions operate in increasingly complex and volatile markets, requiring sophisticated quantitative models to support decision-making, risk assessment, and regulatory compliance. Our quantitative finance experts help banks develop, validate, and enhance analytical frameworks that improve pricing accuracy, optimise capital allocation, and strengthen financial performance. By combining advanced mathematical techniques, data science, and financial expertise, we deliver robust solutions tailored to today’s evolving market challenges.

Our expertise includes

Model Development

We design and implement quantitative models that support valuation, pricing, forecasting, and strategic decision-making across financial institutions.

Key services : 

  • Pricing model development
  • Derivative valuation
  • Yield curve construction
  • Scenario generation
  • Stochastic modelling
  • Quantitative analytics
  • Model implementation

Independent validation ensures that quantitative models remain robust, reliable, and compliant with internal governance and regulatory expectations.

Key services : 

  • Independent model review
  • Methodology assessment
  • Benchmarking analysis
  • Backtesting and performance testing
  • Sensitivity analysis
  • Documentation review
  • Model governance support

We support financial institutions in understanding and managing market exposures through advanced quantitative techniques.

Key services : 

  • Value-at-Risk (VaR)
  • Expected Shortfall modelling
  • Stress testing
  • Sensitivity analysis
  • Interest rate risk modelling
  • Liquidity risk analytics
  • Trading book assessments

We help organisations modernise quantitative functions by improving processes, technology, and data capabilities.

Key services : 

  • Model inventory management
  • Quant platform implementation
  • Process automation
  • Data architecture enhancement
  • Model lifecycle governance
  • Analytics industrialisation

Your contact

Risk management has become a strategic priority for financial institutions facing economic uncertainty, evolving regulations, cyber threats, and emerging sustainability risks. Our experts help banks build resilient risk frameworks, strengthen governance, and enhance decision-making capabilities across all risk dimensions. We combine regulatory expertise with practical implementation experience to support sustainable growth and long-term resilience.

Our expertise includes

Risk management frameworks

We support the design and enhancement of integrated risk management frameworks aligned with business strategy and regulatory expectations.

Key services : 

  • Risk governance frameworks
  • Risk appetite definition
  • Risk taxonomy development
  • Risk reporting
  • Board and management support
  • Three Lines of Defence optimisation
  • Risk culture initiative

We help financial institutions assess, monitor, and manage credit risk throughout the lending lifecycle.

Key services : 

  • Credit risk modelling
  • Probability of Default (PD) models
  • Loss Given Default (LGD) models
  • Exposure at Default (EAD) models
  • Portfolio monitoring
  • Credit stress testing
  • IFRS9 support

We assist banks in measuring and controlling market and liquidity risks under changing economic conditions.

Key services : 

  • Interest Rate Risk in the Banking Book (IRRBB)
  • Liquidity risk management
  • Stress testing frameworks
  • Funding strategy analysis
  • Treasury risk support
  • Scenario analysis

We support institutions in managing operational, technological, and emerging risks.

Key services : 

  • Operational risk frameworks
  • Risk and Control Self-Assessments (RCSA)
  • Incident management
  • Cyber risk assessment
  • Third-party risk management
  • Business continuity planning
  • Emerging risk assessment

We help banks integrate sustainability risks into governance, risk management, and strategic planning.

Key services : 

  • Climate risk assessments
  • ESG risk integration
  • Transition risk analysis
  • Physical risk modelling
  • ESG reporting support
  • Sustainable finance frameworks

Your contact

The regulatory landscape continues to evolve rapidly, creating significant challenges for financial institutions. Our regulatory experts help banks navigate complex requirements, implement new regulations efficiently, and strengthen compliance frameworks while maintaining operational effectiveness. We provide both strategic advisory and hands-on implementation support across the full regulatory agenda.

Basel Framework

We support banks in implementing and optimising prudential requirements under the Basel framework.

Key services : 

  • Basel III implementation
  • Basel IV readiness
  • Capital adequacy assessment
  • RWA optimisation
  • ICAAP support
  • Capital planning
  • Prudential reporting

We help institutions improve the quality, efficiency, and reliability of regulatory reporting processes.

Key services : 

  • COREP reporting
  • FINREP reporting
  • Data quality controls
  • Reporting automation
  • Regulatory data governance
  • Reporting framework review

We assist organisations in establishing robust governance and oversight of model risk across the institution.

Key services : 

  • Model risk frameworks
  • Model inventory management
  • Validation governance
  • Regulatory compliance assessments
  • Independent challenge processes
  • Audit preparation

We support the strengthening of compliance functions and governance structures in an increasingly demanding regulatory environment.

Key services : 

  • Compliance framework enhancement
  • Regulatory gap analysis
  • Internal control systems
  • Governance reviews
  • Policy and procedure development
  • Regulatory change management

We help financial institutions transform regulatory obligations into opportunities for operational excellence.

Key services : 

  • Regulatory programme management
  • Process redesign
  • Data governance enhancement
  • Automation of regulatory controls
  • Technology implementation
  • Change management support

Your contact

Développez votre expertise à nos côtés !

Dernière chance

Ne manquez pas notre prochain Lunch & Learn