Senior Actuary

Stand Insurance•San Francisco, CA

1d•Onsite

About The Position

Stand is a new technology and insurance company revolutionizing how society assesses, mitigates, and adapts to climate risks. Our leadership team has extensive experience in insurance, technology, and climate science: building billions in market value at prior ventures. At Stand, we are rethinking how insurance enables proactive, science-driven resilience. Existing insurance models often rely on broad exclusions, leaving homeowners without options. At Stand, we leverage advanced deterministic models and cutting-edge analytics to provide personalized risk assessments—helping homeowners secure coverage and take proactive steps toward resilience. This is an on-site role with 1-day a week wfh flexibility Tues, Wed or Thur . Ideally, we have someone located in Seattle or willing to relocate to Seattle. An alternative option is to have someone on-site in our SF HQ office. Role Summary: As a Senior Actuary at Stand Insurance, you will lead the development of advanced pricing models & tools that account for emerging climate risks. You’ll partner closely with Underwriting, Data Science, and Leadership to develop actuarially sound models, ensure regulatory compliance, and drive sustainable growth. This is a hands-on role in a fast-scaling Series B insurance company, ideal for someone eager to combine actuarial rigor with innovative approaches to climate resilience.

Requirements

Bachelor’s degree in Actuarial Science, Mathematics, Statistics, or a related field
ACAS and FCAS designation (or equivalent international qualification)
10+ years of actuarial experience, with a focus on property, catastrophe, or E&S insurance
Strong background in personal property pricing and familiarity with predictive modeling techniques
Proficiency with actuarial software (e.g., R, Python, SQL, or equivalent) and modern data analysis tools
Demonstrated ability to translate complex analyses into actionable business insights
Comfort working cross-functionally in a fast-paced, entrepreneurial environment

Nice To Haves

Experience with catastrophe modeling (e.g., AIR, RMS) or climate risk models
Prior exposure to reinsurance structuring and capital modeling
Prior experience with reserve analyses and loss development studies
Familiarity with regulatory filings in multiple states, including admitted and E&S markets
Experience in insurtech or high-growth startups

Responsibilities

Develop and maintain pricing models for property insurance pricing, incorporating climate-intensified risks
Partner with Product and Data Science to integrate deterministic physics models and AI outputs into rating methodologies
Support regulatory filings, rate reviews, and actuarial memoranda to ensure compliance with state insurance departments as needed
Provide actuarial input into product strategy, reinsurance structures, and capital adequacy assessments
Collaborate with cross-functional teams to evaluate new product opportunities and market expansions
Monitor emerging climate, catastrophe, and market trends to proactively adjust assumptions and models
Present actuarial analyses and recommendations to leadership, the board, and external stakeholders