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Allianz
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American Family Insurance
American Modern
American National Insurance Company
Amica Insurance
Aon Corporation
Arch Capital Group
Argo
Arkansas BlueCross and BlueShield
Ascensus, LLC.
Axis Capital
Berkley
Berkshire Hathaway Specialty Insurance
BlueCross BlueShield Arizona
BlueCross BlueShield Nebraska
Brighthouse Financial
CNA
CNO
CVS Health
Cambia Health Solutions
CareSource
Centene
Chubb
Cigna
Core Specialty
Corebridge Financial
Coverys
Deloitte
Delta Dental
Elevance Health
Encova
Equitable
Everest
Farmers Insurance
Fidelity
Fortitude Re
GEICO
Gallagher
Genworth Financial
Global Atlantic Financial Group
Global Indemnity Group
Great American
Guidehouse
Guy Carpenter
Hagerty
Health Care Service Corporation
Highmark
Hiscox
Horizon Blue Cross Blue Shield of New Jersey
Humana
Independent Health
Jackson
John Hancock
Kaiser Permanente
Kemper
Liberty Mutual
Lincoln Financial
Lockton
Lumeris
MAPFRE
MS Amlin
Markel
Marsh
Marshfield Clinic Health System
MassMutual
MassMutual Ascend
MetLife
Milliman
Molina Healthcare
Moody's
Munich Re
National Financial Partners
National General Insurance
National Indemnity Company
National Interstate Insurance
Nationwide Mutual Insurance Company
New York Life Insurance Co
OdysseyRe
Oliver Wyman
One Medical
OneDigital
PURE
Pacific Life Insurance Company
PacificSource
Penn Mutual
Prime Therapeutics
Proctor Loan Protector
Protective
Providence Health & Services
Prudential
Public Consulting Group
QBE
RLI Corp
RSM US
Salary
At least $
Lower value
k
At least $
Lower value
k
Role
Qualification
ACAS
FCAS
ASA
FSA
Experience
Intern
Analyst
Associate/Specialist/Lead
Management
Director/Head of Department
Type of Work
Valuation
Assumption Setting
Claims Analysis
Benefits
Data Science
Analytics
Portfolio Management
Rate Filling
Loss Ratio Planning
Capital Modelling
Reserving
Pricing
Yes
Yes
Remote?
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Equitable
2025 Summer Intern - Actuarial
Charlotte, United States
|
December 10, 2024
Intern
$
50
k-$
50
k
No
Benefits
Data Science
Pricing
Valuation
Federal
Equitable
2025 Summer Intern - Actuarial
Charlotte, United States
|
December 10, 2024
Intern
$
50
k-$
50
k
No
Benefits
Data Science
Pricing
Valuation
Federal
AIG
Senior Actuarial Analyst, Lexington Casualty
NJ-Parsippany
|
December 8, 2024
P&C
Analyst
$
k-$
k
No
Benefits
Pricing
Reserving
Actuarial Analyst
Actuarial Science
AIG
Actuary & AVP - Lexington Casualty
IL-Chicago
|
December 8, 2024
P&C
Management
$
k-$
k
No
Analytics
Benefits
Pricing
Reserving
Casualty
AIG
Actuary & Director, Lexington Professional Lines
NJ-Parsippany
|
December 8, 2024
P&C
Director/Head of Department
$
k-$
k
No
Analytics
Benefits
Pricing
Reserving
Casualty
AIG
Senior Actuarial Analyst - Financial Lines
IL-Chicago
|
December 8, 2024
P&C
ACAS
Analyst
$
k-$
k
No
Analytics
Benefits
Portfolio Management
Pricing
Reserving
AIG
Actuary - Excess Casualty
GA-Atlanta
|
December 8, 2024
P&C
$
k-$
k
No
Benefits
Pricing
Reserving
Actuarial Science
Associate
AIG
Actuary - Excess Casualty
GA-Atlanta
|
December 8, 2024
P&C
$
k-$
k
No
Benefits
Pricing
Reserving
Actuarial Science
Associate
AIG
2025 – Early Career – Actuarial – Analyst – United States, Atlanta (GA) or Chicago (IL)
GA-Atlanta
|
December 8, 2024
P&C
Analyst
$
k-$
k
No
Benefits
Pricing
Reserving
Actuarial Analyst
Actuarial Science
AIG
2025 – Early Career – Actuarial – Analyst – United States, Atlanta (GA) or Chicago (IL)
GA-Atlanta
|
December 8, 2024
P&C
Analyst
$
k-$
k
No
Benefits
Pricing
Reserving
Actuarial Analyst
Actuarial Science
AIG
Associate Actuary - Environmental
NY-New York
|
December 8, 2024
P&C
ACAS
Analyst
$
13
k-$
96
k
No
Benefits
Pricing
Reserving
Actuarial Science
Associate
CNA
Senior Actuarial Consultant - Large Account Pricing
New York, NY, USA
|
December 8, 2024
P&C
Associate/Specialist/Lead
$
144
k-$
180
k
No
Benefits
Pricing
Associate
Casualty
Consultant
CNA
Senior Actuarial Consultant - General Liability & Umbrella Reserving
New York, NY, USA
|
December 8, 2024
P&C
ACAS
Associate/Specialist/Lead
$
144
k-$
180
k
No
Benefits
Pricing
Reserving
Associate
Casualty
CNA
Actuarial Consulting Director - General Liability Pricing
Chicago, IL, USA
|
December 8, 2024
P&C
FCAS
Director/Head of Department
$
166
k-$
208
k
No
Analytics
Benefits
Pricing
Consulting
Financial
CNA
AVP & Actuary, Pricing (P&C)
Chicago, IL, USA
|
December 8, 2024
P&C
ACAS
Management
$
k-$
k
No
Benefits
Pricing
Reserving
Actuarial Science
Associate
The Hartford
Director & Actuary or Director & Assistant Actuary, Personal Lines Auto Physical Damage Reserving
Hartford, CT
|
December 8, 2024
P&C
FCAS
Analyst
$
0
k-$
130
k
No
Analytics
Benefits
Data Science
Pricing
Reserving
Markel
Actuary
Richmond, VA
|
December 8, 2024
P&C
ACAS
$
135
k-$
140
k
No
Pricing
Reserving
Insurance
Investment
Junior
Corebridge Financial
Associate Director & Actuary - Actuarial Product Support & Implementation
CA-Woodland Hills
|
December 8, 2024
Life
ASA
Analyst
$
126
k-$
136
k
No
Analytics
Benefits
Associate
Audit
Financial
Corebridge Financial
ADP Actuarial Associate
TX-Houston
|
December 8, 2024
Life
Analyst
$
88
k-$
112
k
No
Benefits
Pricing
Valuation
Actuarial Science
Associate
Pacific Life Insurance Company
Actuary and Director Modeling - Modeling Projects and Automation
Newport Beach CA-700
|
December 8, 2024
Life
FSA
Director/Head of Department
$
194
k-$
237
k
No
Analytics
Benefits
Pricing
Valuation
Actuarial Science
Health Care Service Corporation
Managing Actuary
IL - Chicago
|
December 8, 2024
Health
ASA
$
89
k-$
160
k
No
Pricing
Reserving
Actuarial Analyst
Actuarial Science
Associate
Nationwide Mutual Insurance Company
Sr. Actuarial Consultant - Middle Market Specialty Care
Ohio - Columbus, One Nationwide Plaza
|
December 8, 2024
P&C
ACAS
Associate/Specialist/Lead
$
k-$
k
No
Analytics
Benefits
Data Science
Pricing
Reserving
Nationwide Mutual Insurance Company
Actuarial Technical Sr Analyst - P&C Commercial Lines
Ohio - Columbus Metro
|
December 8, 2024
P&C
Analyst
$
k-$
k
No
Analytics
Benefits
Pricing
Reserving
Actuarial Science
Nationwide Mutual Insurance Company
P&C Finance Planning & Forecasting - Sr. Actuary - Remote
Ohio
|
December 8, 2024
P&C
ACAS
$
131
k-$
250
k
Yes
Analytics
Benefits
Data Science
Actuarial Science
Associate
Nationwide Mutual Insurance Company
Sr Actuary - E&S/S Reserving - Remote
Ohio - Columbus, One Nationwide Plaza
|
December 8, 2024
P&C
FCAS
$
131
k-$
250
k
Yes
Analytics
Benefits
Data Science
Reserving
Actuarial Analyst
Nationwide Mutual Insurance Company
Actuarial Sr. Consultant - Life Products Financial Reporting and Forecasting - Remote
Ohio - Columbus, One Nationwide Plaza
|
December 8, 2024
Life
ASA
Associate/Specialist/Lead
$
101
k-$
209
k
Yes
Analytics
Benefits
Pricing
Valuation
Actuarial Science
RSM US
Health Actuary
Remote
|
December 8, 2024
Life
ASA
$
92
k-$
185
k
No
Benefits
Pricing
Valuation
Actuarial Science
Associate
RSM US
P&C Actuarial Consultant
Remote
|
December 8, 2024
P&C
ACAS
Associate/Specialist/Lead
$
129
k-$
260
k
No
Benefits
Pricing
Reserving
Actuarial Science
Associate
Securian Financial Group, Inc.
Actuarial Director, ALM and Hedging – Remote
Minnesota-Remote
|
December 8, 2024
Life
FSA
Director/Head of Department
$
131
k-$
243
k
Yes
Benefits
Actuarial Science
Associate
Finance
Financial
Securian Financial Group, Inc.
Enterprise Risk Actuarial Consultant
Saint Paul, MN Campus
|
December 8, 2024
Life
ASA
Associate/Specialist/Lead
$
84
k-$
155
k
No
Benefits
Associate
Capital
Consultant
Enterprise Risk Management
John Hancock
Associate Actuary, US IFRS Valuation Reporting
Toronto, Ontario
|
December 8, 2024
Life
FSA
Analyst
$
k-$
k
No
Benefits
Valuation
Associate
Financial
Insurance
John Hancock
Actuarial Manager
Makati City
|
December 8, 2024
Life
FSA
Management
$
k-$
k
No
Benefits
Pricing
Valuation
Environmental
Finance
John Hancock
Actuarial Director, Experience Analytics Modernization Lead
Hong Kong
|
December 8, 2024
Life
Associate/Specialist/Lead
$
k-$
k
No
Analytics
Valuation
Actuarial Science
Financial
Insurance
John Hancock
Actuarial Senior Analyst - VSSC
Jakarta
|
December 8, 2024
Life
Analyst
$
k-$
k
No
Financial
Insurance
Modelling
Reinsurance
Senior
John Hancock
Manager, Actuarial Pricing
Phnom Penh
|
December 8, 2024
Life
Management
$
k-$
k
No
Pricing
Actuarial Science
Financial
Insurance
Product Development
Arch Capital Group
Actuarial Director, Pricing - Programs and Entertainment (Hybrid)
New York, NY United States of America
|
December 8, 2024
P&C
ACAS
Director/Head of Department
$
130
k-$
201
k
No
Analytics
Benefits
Pricing
Valuation
Actuarial Executive
Arch Capital Group
AVP, Actuarial Reserving, Loss Analytics - Middle Market
Chicago, IL United States of America
|
December 8, 2024
P&C
ACAS
Management
$
130
k-$
201
k
No
Analytics
Benefits
Pricing
Reserving
Audit
Arch Capital Group
AVP, Actuarial Pricing - P&C Programs - Hybrid
New York, NY United States of America
|
December 8, 2024
P&C
ACAS
Management
$
130
k-$
201
k
No
Benefits
Pricing
Valuation
Actuarial Executive
Financial
Arch Capital Group
Actuarial Director, Pricing - Hybrid
Chicago, IL United States of America
|
December 8, 2024
P&C
ACAS
Director/Head of Department
$
130
k-$
201
k
No
Analytics
Benefits
Pricing
Valuation
Actuarial Executive
Arch Capital Group
Actuarial Director, Pricing - P&C Programs
New York, NY United States of America
|
December 8, 2024
P&C
ACAS
Director/Head of Department
$
130
k-$
201
k
No
Analytics
Benefits
Pricing
Valuation
Actuarial Executive
Arch Capital Group
AVP, Actuarial Pricing - E&S Property
St. Paul, MN United States of America
|
December 8, 2024
P&C
ACAS
Management
$
130
k-$
201
k
No
Analytics
Benefits
Pricing
Valuation
Actuarial Executive
Axis Capital
Pricing Actuary
Toronto
|
December 8, 2024
P&C
$
155
k-$
180
k
No
Analytics
Benefits
Capital Modelling
Pricing
Reserving
Horizon Blue Cross Blue Shield of New Jersey
Mgr, Actuary Medicare Advantage Bid
Hopewell, NJ - Remote
|
December 8, 2024
Health
ASA
$
122
k-$
166
k
No
Benefits
Pricing
Actuarial Science
Associate
Federal
Sompo
Senior Reserving Actuary
New York City, New York
|
December 8, 2024
P&C
FCAS
$
k-$
k
No
Benefits
Pricing
Reserving
Associate
Consulting
Sompo
Senior Reserving Actuary
New York City, New York
|
December 8, 2024
P&C
ACAS
$
k-$
k
No
Benefits
Pricing
Reserving
Associate
Audit
Everest
Senior Actuary
London
|
December 8, 2024
$
k-$
k
No
Analytics
Capital Modelling
Pricing
Reserving
Audit
Everest
2025 ERDP - Actuarial Rotational Development Program
Warren, NJ
|
December 8, 2024
P&C
$
k-$
k
No
Analytics
Benefits
Data Science
Pricing
Actuarial Science
Everest
Senior Actuary Analyst/Developer
Warren, NJ
|
December 8, 2024
P&C
ASA
Analyst
$
k-$
k
No
Analytics
Benefits
Pricing
Associate
Casualty
Starr
Actuarial Analyst
30 Fenchurch Avenue, London, UK
|
December 8, 2024
P&C
Analyst
$
k-$
k
No
Reserving
Audit
Capital
Casualty
Insurance
Starr
Actuarial Analyst (Grad Role)
30 Fenchurch Avenue, London, UK
|
December 8, 2024
P&C
Analyst
$
k-$
k
No
Reserving
Audit
Capital
Casualty
Financial
Starr
Pricing Analyst/Actuary
30 Fenchurch Avenue, London, UK
|
December 8, 2024
P&C
Analyst
$
k-$
k
No
Analytics
Pricing
Reserving
Capital
Casualty
Starr
Pricing Manager
30 Fenchurch Avenue, London, UK
|
December 8, 2024
P&C
Management
$
k-$
k
No
Analytics
Pricing
Reserving
Associate
Capital
American Family Insurance
Senior Actuary (Primarily Home)
Remote Work
|
December 8, 2024
P&C
ACAS
$
109
k-$
186
k
No
Benefits
Pricing
Reserving
Associate
Casualty
GEICO
Senior Insurance Actuarial Analyst - Auto
IL Chicago - JPS
|
December 8, 2024
Health
Analyst
$
93
k-$
185
k
No
Benefits
Pricing
Reserving
Associate
Federal
GEICO
Senior Manager, Actuary
IL Chicago - JPS
|
December 8, 2024
Health
Management
$
137
k-$
224
k
No
Analytics
Benefits
Pricing
Reserving
Associate
GEICO
Director, State Pricing
|
December 8, 2024
Life
Director/Head of Department
$
k-$
k
No
Benefits
Pricing
Valuation
Associate
Federal
Hiscox
AVP, Team Manager MPL
USA, Chicago
|
December 8, 2024
P&C
FSA
Management
$
150
k-$
180
k
No
Benefits
Associate
Audit
Federal
Financial
Hiscox
Portfolio Analytics Lead
USA, Connecticut
|
December 8, 2024
P&C
FSA
Associate/Specialist/Lead
$
k-$
k
No
Analytics
Data Science
Pricing
Associate
Financial
Prudential
Associate Actuary
Newark, NJ, USA
|
December 8, 2024
Life
ASA
Analyst
$
116
k-$
172
k
No
Benefits
Pricing
Valuation
Finance
Financial
Prudential
Senior Actuarial Associate (International Reinsurance Pricing)
Newark, NJ, USA
|
December 8, 2024
Life
ASA
Intern
$
97
k-$
145
k
No
Analytics
Benefits
Pricing
Valuation
Actuarial Science
Prudential
Vice President, Product Risk (Hybrid)
Newark, NJ, USA
|
December 8, 2024
Life
FSA
Director/Head of Department
$
181
k-$
244
k
No
Benefits
Pricing
Finance
Financial
Insurance
Prudential
Associate Actuary
Newark, NJ, USA
|
December 8, 2024
Life
ASA
Analyst
$
116
k-$
172
k
No
Benefits
Pricing
Valuation
Capital
Finance
Prudential
Director, Actuary
Newark, NJ, USA
|
December 8, 2024
Life
FSA
Director/Head of Department
$
161
k-$
217
k
No
Benefits
Pricing
Valuation
Finance
Financial
Prudential
Virtual - Director, Actuary (Model Development & Software Development)
Newark, NJ, USA
|
December 8, 2024
Life
ASA
Director/Head of Department
$
161
k-$
217
k
No
Benefits
Pricing
Valuation
Capital
Finance
Prudential
Senior Actuarial Associate
Newark, NJ, USA
|
December 8, 2024
Life
Analyst
$
97
k-$
145
k
No
Benefits
Pricing
Valuation
Associate
Finance
Prudential
Senior Actuarial Associate
Newark, NJ, USA
|
December 8, 2024
Life
Analyst
$
97
k-$
145
k
No
Benefits
Pricing
Actuarial Science
Capital
Finance
Prudential
Senior Actuarial Associate
Newark, NJ, USA
|
December 8, 2024
Life
ASA
Analyst
$
97
k-$
145
k
No
Benefits
Pricing
Reserving
Associate
Finance
Prudential
Senior Actuarial Associate (Pension Risk Transfer)
Newark, NJ, USA
|
December 8, 2024
Life
Analyst
$
97
k-$
145
k
No
Benefits
Pricing
Actuarial Science
Capital
Finance
Prudential
Associate Actuary
Newark, NJ, USA
|
December 8, 2024
Life
ASA
Analyst
$
116
k-$
172
k
No
Analytics
Benefits
Pricing
Finance
Financial
Prudential
Director, Actuary (Annuities Pricing Director)
Newark, NJ, USA
|
December 8, 2024
Life
ASA
Director/Head of Department
$
161
k-$
217
k
No
Benefits
Pricing
Associate
Finance
Financial
Core Specialty
Actuarial Associate - Reserving
Chicago, IL
|
December 8, 2024
P&C
ACAS
Analyst
$
k-$
k
No
Pricing
Reserving
Associate
Casualty
Finance
Jackson
Sr. Financial Risk Analyst
Lansing, MI
|
December 8, 2024
Life
FSA
Analyst
$
k-$
k
No
Assumption Setting
Pricing
Valuation
Actuarial Science
Associate
MS Amlin
Senior Actuarial Analyst
London
|
December 8, 2024
P&C
ASA
Analyst
$
k-$
k
No
Benefits
Reserving
Actuarial Analyst
Capital
Insurance
MS Amlin
Senior Corporate Pricing Analyst
London
|
December 8, 2024
P&C
Analyst
$
k-$
k
No
Benefits
Portfolio Management
Pricing
Reserving
Casualty
MS Amlin
Insurance Pricing Actuary
London
|
December 8, 2024
P&C
$
k-$
k
No
Benefits
Pricing
Reserving
Casualty
Financial
MS Amlin
Senior Pricing Actuarial Analyst
London
|
December 8, 2024
P&C
Analyst
$
k-$
k
No
Benefits
Portfolio Management
Pricing
Reserving
Actuarial Analyst
MS Amlin
Senior Pricing Actuary (full time or part time)
London
|
December 8, 2024
P&C
$
k-$
k
No
Benefits
Portfolio Management
Pricing
Reserving
Casualty
CVS Health
Senior Actuary - Large Group
Hartford-Farmington Ave Rogers
|
December 8, 2024
Life
ASA
$
75
k-$
183
k
No
Analytics
Assumption Setting
Benefits
Pricing
Associate
Centene
Senior Actuarial Analyst - Marketplace
Remote-IL
|
December 8, 2024
Health
ASA
Analyst
$
67
k-$
121
k
No
Benefits
Pricing
Actuarial Analyst
Associate
Insurance
Centene
Senior Actuary - Medicaid
Remote-FL
|
December 8, 2024
Health
ASA
$
129
k-$
239
k
No
Analytics
Benefits
Pricing
Associate
Finance
Centene
Senior Actuarial Analyst - ACA Pricing
Remote-WA
|
December 8, 2024
Health
ASA
Analyst
$
67
k-$
121
k
No
Analytics
Benefits
Pricing
Actuarial Analyst
Associate
Encova
Actuarial Analyst II, Commercial Lines Pricing
Ohio, Columbus office
|
December 8, 2024
P&C
Analyst
$
60
k-$
135
k
No
Benefits
Pricing
Actuarial Analyst
Actuarial Science
Associate
MassMutual Ascend
ALM and Capital Model Owner
Cincinnati, OH
|
December 8, 2024
Life
ASA
$
k-$
k
No
Benefits
Valuation
Associate
Capital
Finance
Cigna
Actuarial Senior Analyst
Nashville, TN
|
December 8, 2024
Health
Analyst
$
k-$
k
No
Analytics
Benefits
Pricing
Actuarial Science
Associate
Cigna
Actuary-Hybrid
Bloomfield, CT
|
December 8, 2024
Health
ASA
$
k-$
k
No
Pricing
Actuarial Science
Federal
Financial
Insurance
Cigna
Actuarial Lead Analyst - Medicare
Nashville, TN
|
December 8, 2024
Health
Analyst
$
k-$
k
No
Analytics
Benefits
Pricing
Actuarial Science
Associate
Cigna
Actuarial Senior Analyst - Remote
Nashville, TN
|
December 8, 2024
Health
Analyst
$
k-$
k
Yes
Analytics
Benefits
Pricing
Actuarial Science
Associate
Cigna
Actuarial Lead Analyst - Remote
Nashville, TN
|
December 8, 2024
Health
Analyst
$
k-$
k
Yes
Analytics
Benefits
Pricing
Actuarial Science
Associate
Cigna
Actuarial Senior Advisor - Dental
Bloomfield, CT
|
December 8, 2024
Health
FSA
$
k-$
k
No
Analytics
Benefits
Actuarial Science
Federal
Finance
Cigna
Senior Director of Medical Economics, Evernorth Medical Network Solutions
Nashville, TN
|
December 8, 2024
Health
FSA
Director/Head of Department
$
k-$
k
No
Analytics
Benefits
Data Science
Actuarial Science
Federal
Cigna
Medical Claims FP&A Senior Manager
Plano, TX
|
December 8, 2024
Health
ASA
Management
$
k-$
k
No
Analytics
Benefits
Pricing
Reserving
Audit
QBE
Sr. Actuarial Analyst - Property
Sun Prairie, WI, USA
|
December 8, 2024
P&C
Analyst
$
k-$
k
No
Analytics
Benefits
Data Science
Pricing
Valuation
QBE
Senior Analyst I - Actuarial - Financial Lines
Sun Prairie, WI, USA
|
December 8, 2024
P&C
Analyst
$
84
k-$
127
k
No
Analytics
Benefits
Data Science
Pricing
Actuarial Science
QBE
Senior Actuarial Analyst I - Workers Comp
Sun Prairie, WI, USA
|
December 8, 2024
P&C
Analyst
$
84
k-$
127
k
No
Analytics
Benefits
Data Science
Pricing
Actuarial Science
Agilon Health
Actuarial Director - Markets
Remote - USA
|
December 8, 2024
Health
ASA
Director/Head of Department
$
153
k-$
191
k
No
Reserving
Actuarial Science
Audit
Chief Actuary
Finance
Guidehouse
Managing Consultant - Actuarial Consulting, Medicaid
US - GA, Atlanta
|
December 8, 2024
Life
ASA
Associate/Specialist/Lead
$
109
k-$
164
k
No
Benefits
Valuation
Actuarial Science
Associate
Consultant
Guidehouse
Senior Consultant - Actuarial Consulting, Medicaid
US - GA, Atlanta
|
December 8, 2024
Life
ASA
Associate/Specialist/Lead
$
95
k-$
142
k
No
Analytics
Benefits
Valuation
Actuarial Science
Consultant
Great American
Senior Actuarial Analyst/Associate Actuary
Cincinnati, OH (USA)
|
December 8, 2024
P&C
ACAS
Analyst
$
k-$
k
No
Analytics
Benefits
Data Science
Pricing
Reserving
CareSource
Summer Internship 2025 - Actuary
Dayton WFH
|
December 8, 2024
P&C
Intern
$
34
k-$
55
k
No
Graduate
Junior
Senior
Student
Prime Therapeutics
Sr. Actuary - REMOTE
Home
|
December 8, 2024
Health
ASA
$
95
k-$
151
k
Yes
Benefits
Pricing
Actuarial Science
Finance
Financial