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BEGIN:VEVENT
DTSTAMP:20260524T144843Z
DTSTART;VALUE=DATE-TIME:20250312T143000
DTEND;VALUE=DATE-TIME:20250312T153000
SUMMARY:Daria Mervis (Moody’s RMS\, London) "Modeling the Unthinkable: Ca
 reers at the Intersection of Physics and Insurance"
TZID:Europe/London
UID:20250312-8ac672c69439c86d01943bec0a952f1e@warwick.ac.uk
CREATED:20250306T132826Z
DESCRIPTION:Abstract: In today’s increasingly complex and interconnected 
 world\, the insurance industry plays a vital role in the global economy.
  In 2024\, insured losses from natural disasters reached approximately $
 140 billion—one of the costliest years since 1980. Hurricane Milton alon
 e accounted for $25 billion in losses\, the LA wildfires are projected a
 t $40 billion\, and floods in Spain at $4.2 billion. To manage and mitig
 ate these risks\, insurers rely on advanced probabilistic models to asse
 ss losses from natural disasters\, cyberattacks\, and other emerging thr
 eats. As risks grow more unpredictable\, effective risk selection\, pric
 ing\, and management demand deeper insights. How are these models create
 d? There are four components: exposure\, hazard\, vulnerability and fina
 ncial model. Exposure is the location\, risk profile and characteristics
  of the insured entity\, e.g. a residential home in Florida. Hazard is t
 he type of disaster we are looking to model\, e.g. hurricane\, earthquak
 e etc and the relevant characteristics such as wind speed\, distance to 
 max wind etc. Vulnerability is the damage profile of the insured entity\
 , generating a damage ratio. Lastly the financial model overlays the ins
 ured tranches for the entity and calculates the financial loss. The outp
 ut of these models is used across the insurance and reinsurance industri
 es to understand their risk profile and guide decision making. The Moody
 ’s RMS suite of high-definition models delivers a more accurate represen
 tation of potential losses\, transforming risk management and decision-m
 aking. By combining cutting-edge science\, data\, technology\, and exper
 tise\, we empower insurers\, reinsurers\, and brokers to tackle their mo
 st complex challenges—helping close the insurance gap and drive performa
 nce. -------- Daria graduated with a Master degree in Physics from Imper
 ial College London in 2009\, at the height of the global financial crisi
 s. Embracing the atmosphere of panic\, she pursued a career centred on r
 isk and catastrophe in the insurance industry\, specialising in natural 
 disaster modelling. Over the years\, she has applied her expertise acros
 s diverse sectors\, from advising investment banks on strategy to shapin
 g a no-nicotine business plan for Philip Morris International. Now\, she
  has come full circle\, returning to Moody’s RMS\, the world’s leading p
 rovider of risk models for the insurance industry. ----------
LOCATION:
CATEGORIES:Departmental Colloquium
LAST-MODIFIED:20250306T132826Z
ORGANIZER;CN=Valery Nakariakov:
END:VEVENT
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