About Us
Beyond actuarial science
Qx Actuaries is a boutique actuarial consulting firm founded and managed by experienced, business oriented actuaries.
Our consultancy is led by experts combining theory and practice. We always involve our pragmatic approach thinking in solving complex issues. Our deep understanding of actuarial and financial topics is constantly supported by strong management skills as well as sound project management, even within the most complex, multidimensional programs.
We provide independent and objective advice, and value close working relationships with our clients based on commitment, professionalism and trust.
Piotr Lachowicz
Co-Founder
Experienced senior manager and actuary with deep insight into financial and actuarial areas of insurance operations, covering reserving and reporting, product pricing and capital management. Almost 20 years of experience in Life, Non-Life and Pensions gained both on key positions in insurance companies as well as advising them as an external consultant.
Piotr's field of expertise ranges from standard actuarial operations like reserving and reporting activities (local GAAP, IFRS, Solvency II, EV/EEV/MCEV), implementations of new standards (from Embedded Values, through Solvency II to IFRS 17), managing product pricings, financial controlling and accounting, financial group's budgeting and planning processes, supporting business areas both on operational and strategic level (incl. several M&As), up to management of complex and multi-level structures. All of that backed up by relevant qualifications, including Polish actuarial license.
Before founding independent, boutique actuarial consultancy of Qx Actuaries, Piotr worked for Polish operations of large international financial groups like Aviva and Aegon (from managerial positions to Chief Actuary and CFO/Board level) as well as in well-established consulting companies (EY, KPMG, Triple A), managing local or regional actuarial teams and their activities, delivering services worldwide.
For further details please visit: LinkedIn Profile
Kamila Kuśmierz
Co-Founder
Passionate professional with a proven record of over a dozen years of actuarial and managerial experience, both in insurance companies and independent consultancies. Efficient project manager combining substantive knowledge and openness to new challenges, what resulted in various smoothly delivered implementations and successfully accomplished projects.
Kamila, as qualified and multidisciplinary actuary, worked on both conceptual and operational aspects of life product pricing, profit testing activities, portfolio valuations for reporting and transactions purposes, group reporting and actuarial modelling. At the other stage of her professional development she was responsible for actuarial audits and reviews as well as advisory projects for largest life and non-life Polish insurance groups (working with various standards, from local GAAP, IFRS, Solvency II to MCEV).
Presenting business- and process-oriented approach, Kamila managed cross-company insurance product developments and implementations as well as projects aiming at process optimisations and led multi-level dedicated teams. Combining complementary skills, strong content knowledge and project management, Kamila supervised large international projects related to the automatization of reporting process like Solvency II.
Co-founding of Qx Actuaries, actuarial boutique advisory, is a result of Kamila's previous professional experience across Polish and European insurance industry as multidisciplinary actuary, result-oriented manager and competent advisor, and her willingness to focus on high quality tailored cooperation with the clients.
For further details please visit: LinkedIn Profile
Michał Krąp
Co-Owner
Enthusiastic actuarial master modeler and a qualified actuary with broad experience in leading modelling projects and creating efficient calculation and reporting environments. With Prophet being his primary modelling environment, he also gained knowledge in optimal application of other available software solutions, including MoSes, Algo FM or Tyche.
Based on deep knowledge of available market software solutions, Michał advised several major insurers in Europe as well as overseas in selection processes for actuarial platforms and led multiple dedicated trainings, sharing modelling best practices with diverse audience (from top managers to junior actuaries and modellers).
Being aware of all the advantages and disadvantages of dedicated actuarial software and facing modelling challenges Michał is also an avid programmer (.NET, Python), bringing broader perspective to his work. Development of elegant in form, transparent in content and efficient models by translating programming best practices to actuarial modelling became his passion.
Outside of core actuarial modelling Michał also specializes in reporting process automation and optimization. Combining expertise and hands-on experience in actuarial modelling software, reporting practice and requirements as well as IT aspects of a future workflow enables him to develop reporting processes environments corresponding to the needs and capabilities of clients.
Based on his skills and experience, Michał leads modelling and reporting environment optimization services provided by Qx Actuaries and is the author of company's technological solutions.
For further details please visit: LinkedIn Profile