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actuary
An actuary is a business professional who deals with the measurement and management of risk and uncertainty . The name of the corresponding profession is actuarial science. These risks can affect both sides of the balance sheet, and require asset management, liability management, and valuation skills . Actuaries provide assessments of financial security systems, with a focus on their complexity, their mathematics, and their mechanisms .
While the concept of insurance dates to antiquity (, , ), the mathematics and finance needed to scientifically measure and mitigate risks have their origins in the 17th century studies of probability and annuities . Actuaries of the 21st century require analytical skills, business knowledge, and an understanding of human behavior and information systems to design and manage programs that control risk . The actual steps needed to become an actuary are usually country-specific; however, almost all processes share a rigorous schooling or examination structure and take many years to complete (, ).
The profession has consistently ranked as one of the most desirable . In various studies, being an actuary was ranked number one or two multiple times since 2010 (, , ).
==Responsibilities==
Actuaries use skills primarily in mathematics, particularly calculus-based probability and mathematical statistics, but also economics, computer science, finance, and business. For this reason, actuaries are essential to the insurance and reinsurance industries, either as staff employees or as consultants; to other businesses, including sponsors of pension plans; and to government agencies such as the Government Actuary's Department in the United Kingdom or the Social Security Administration in the United States of America. Actuaries assemble and analyze data to estimate the probability and likely cost of the occurrence of an event such as death, sickness, injury, disability, or loss of property. Actuaries also address financial questions, including those involving the level of pension contributions required to produce a certain retirement income and the way in which a company should invest resources to maximize its return on investments in light of potential risk. Using their broad knowledge, actuaries help design and price insurance policies, pension plans, and other financial strategies in a manner that will help ensure that the plans are maintained on a sound financial basis (, ).
抄文引用元・出典: フリー百科事典『 ウィキペディア（Wikipedia）』
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