Reinsurance Actuary (Director or Managing Director Level) Howden Group Holdings LtdReinsurance Actuary (Director or Managing Director Level)MN$225,000–$300,000 / yearWe expect this person to work successfully across Analytics, Actuarial, and Broking functions providing the full suite of actuarial work in support of reinsurance placements for clients. Howden Re is the global reinsurance broker and risk, capital & strategic advisor focused on relentless innovation & superior analytics for top client service.
Director, Actuary (Hybrid) Arch Capital Group LtdDirector, Actuary (Hybrid)MN$130,000–$180,000 / yearResponsibilities and Accountabilities: Profitability Reviews/New Submission Analyses: Review products by applying actuarial concepts and techniques to determine portfolio profitability; analyzing and digging into detailed segmentations. Partnering with Strategic Analytics: Our actuaries and predictive modeling teams work closely together to deploy advanced analytics and automation tools to help our businesses underwrite more profitably.
Reinsurance Actuary (Director or Managing Director Level) HowdenReinsurance Actuary (Director or Managing Director Level)Edina, New YorkWe expect this person to work successfully across Analytics, Actuarial, and Broking functions providing the full suite of actuarial work in support of reinsurance placements for clients. Howden Re is the global reinsurance broker and risk, capital & strategic advisor focused on relentless innovation & superior analytics for top client service.
Life Actuary Consulting Senior Manager Deloitte Touche Tohmatsu LtdLife Actuary Consulting Senior ManagerMN$180,200–$355,100 / yearOur purpose comes through in our work with clients that enables impact and value in their organizations, as well as through our own investments, commitments, and actions across areas that help drive positive outcomes for our communities. Our Insights, Innovation & Operate Offering is designed to enhance key aspects of our clients' businesses by leveraging cutting-edge technology, data, and a blend of deep technical and human expertise.
Supervising Actuary Emergent Holdings, Inc.Supervising ActuaryMinneapolis, MN$126,400–$211,750 / yearMinimum Education Required Not Specified ### Minimum Experience Required Not Specified ### Shift First (Day) ### Number of Openings 1 ### Compensation $126,400.00 - $211,750.00 / Annually ### Postal Code 55415 ### Job Type Full Time ### Place of Work On-site ### Requisition ID 23678 ### Job Benefits See job description OTHER SKILLS AND ABILITIES Advanced knowledge of actuarial principles and practices in one or more of the following areas: reinsurance, reserving, ratemaking, financial reporting, capital management, underwriting and claims practices.
Risk Adjustment Actuary Blue Cross Blue Shield of MinnesotaRisk Adjustment ActuaryEagan, MinnesotaRemoteThe Risk Adjustment Analytics team partners across legal, compliance, provider, and actuarial functions to support a broad range of risk adjustment work, including forecasting, pricing, audit support, and strategic initiatives. This position serves as a key technical leadership role on the team, guiding actuarial assumption development and analysis that support enterprise decision-making.
Associate Actuary - Medicaid Centene Corporation GroupAssociate Actuary - MedicaidMNRemote$87,700–$157,800 / yearThe associate will gain hands-on experience developing Medicaid forecasts across multiple markets, build strong technical skills, and develop direct exposure to senior leadership and key stakeholders. Preferred Qualifications / skills: Advanced Excel skills - ability to work with large datasets, build and audit models, and perform efficient data analysis.
Associate Actuary, Strategic Analytics Centene Corporation GroupAssociate Actuary, Strategic AnalyticsMNRemote$87,700–$157,800 / yearStrategic Impact of the Role: We are seeking an entrepreneurial and innovative Associate Actuary to serve as a key strategic leader evaluating our highest-priority strategic initiatives - specifically, internal Quality and Affordability Initiatives (QAI) and external Value-Based Care (VBC) arrangements. Executive Translation: Act as a strategic communicator, translating highly complex actuarial methodologies and financial impacts into compelling, easily understood narratives for non-technical executive stakeholders.
Associate Actuary ProAg ManagementAssociate ActuaryMaple Grove, MinnesotaWorking closely with cross-functional partners, you will support initiatives such as reinsurance analysis, pricing, and financial reporting, while also assisting with strategic efforts like new product offerings and competitor comparisons. The Associate Actuary at ProAg plays a key role in supporting underwriting and actuarial functions by delivering data-driven insights that inform pricing, hedging decisions, and overall business performance.
Government Healthcare Actuary Lead Marsh & McLennan Companies IncGovernment Healthcare Actuary LeadMNMercer's Government Human Services Consulting (GHSC) practice is dedicated to helping publicly funded health and human services clients transform their healthcare programs, impacting the lives of millions in our most vulnerable communities. Oversee the drafting of project communications, including rate certification letters and presentations, and act as an actuarial authority that signs rate certification letters and other statements of actuarial opinion.
NewVP, Reinsurance Actuary Marsh & McLennan Companies IncVP, Reinsurance ActuaryEdina, MN$114,700–$210,400 / yearYou will build and communicate complex analyses that evaluate assumptions, premiums, and risk; assess industry factors that affect loss liabilities; and consult with clients on reinsurance actuarial services that help assess and mitigate risk. Guy Carpenter is a business of Marsh (NYSE: MRSH), a global leader in risk, reinsurance and capital, people and investments, and management consulting, advising clients in 130 countries.
Partner, Senior Health Actuary Marsh & McLennan Companies IncPartner, Senior Health ActuaryMN$212,000–$318,000 / yearWe aim to attract and retain the best people and embrace diversity of age background, disability, ethnic origin, family duties, gender orientation or expression, marital status, nationality, parental status, personal or social status, political affiliation, race, religion and beliefs, sex/gender, sexual orientation or expression, skin color, veteran status (including protected veterans), or any other characteristic protected by applicable law. Mercer is a business of Marsh (NYSE: MRSH), a global leader in risk, reinsurance and capital, people and investments, and management consulting, advising clients in 130 countries.
Sr. Government Healthcare Actuary Marsh & McLennan Companies IncSr. Government Healthcare ActuaryMNMercer's Government Human Services Consulting (GHSC) practice has touched more than 60 million lives since our inception in 1985, working with state Medicaid agencies to transform Medicaid programs to better serve our most vulnerable communities. Perform and review complex analyses and cost projects by using or modifying existing tools and pricing models, and review analyses conducted by junior staff to ensure actuarial soundness and correct use of models.
Senior Leader, Government Health Actuary Marsh & McLennan Companies IncSenior Leader, Government Health ActuaryMinneapolis, MN$212,000–$318,000 / yearOversee the completion and delivery of actuarial work product and communications, including rate certification letters and presentations, and act as an actuarial authority that signs rate certification letters and other statements of actuarial opinion. We will count on you to: Lead a team that of actuaries, actuarial and data analysts, clinicians and health policy consultants supporting a portfolio of large, complex capitation rate setting, risk adjustment and related projects across one or more state Medicaid clients.
Life Actuary Senior Consultant Deloitte Touche Tohmatsu LtdLife Actuary Senior ConsultantMN$128,000–$252,500 / yearOur purpose comes through in our work with clients that enables impact and value in their organizations, as well as through our own investments, commitments, and actions across areas that help drive positive outcomes for our communities. Our Insights, Innovation & Operate Offering is designed to enhance key aspects of our clients' businesses by leveraging cutting-edge technology, data, and a blend of deep technical and human expertise.
Actuary, Sutter Health Plan Sutter HealthActuary, Sutter Health PlanMN$126,256–$189,384 / yearThorough knowledge of healthcare delivery systems, integrated delivery systems and medical group practices, especially in a managed care environment, as well as an advanced understanding of key government programs ((Medicare/Medicaid) and market segments (individual, small group, etc.). Superior business acumen, exceptional analytical and advanced project management skills, with the proven ability to provide innovative solutions to complex problems, reach practical conclusions, and institute effective changes.
Actuary - Cash Balance Plans/Retirement Plans Alerus Financial Corp.Actuary - Cash Balance Plans/Retirement PlansMN$120,000–$160,000 / yearABOUT THE ROLE: The Cash Balance Actuary assists sales team with design and communication of technical ERISA aspects of Cash Balance, Defined Benefit, and Defined Contribution plans. Manages a book of existing and newly implemented clients, including data review, testing, valuation preparation, and required government and regulatory filings.
Sr. Health Actuary Consultant Marsh & McLennan Companies IncSr. Health Actuary ConsultantMinneapolis, MN$93,500–$145,000 / yearWe will count on you to: Lead routine client engagements, managing overall service delivery, strategy, financial evaluations, plan design, renewal, business placement, benchmarking, and other projects associated with underwriting health and welfare insurance. Mercer is a business of Marsh (NYSE: MRSH), a global leader in risk, reinsurance and capital, people and investments, and management consulting, advising clients in 130 countries.
Director, Actuarial Services Medica Health Plans IncDirector, Actuarial ServicesMinnetonka, MN$150,000–$225,015 / yearAnnual salary range placement will depend on a variety of factors including, but not limited to, education, work experience, applicable certifications and/or licensure, the positions scope and responsibility, internal pay equity and external market salary data. Provides the organization with appropriate value for actual/expected analysis, including intra-year targets for use by Medica leadership, segments, and corporate finance.
Director of Actuarial Services - Remote UnitedHealth Group IncDirector of Actuarial Services - RemoteEden Prairie, MNRemote$134,600–$200,000 / yearThe fraudulent LinkedIn messages and emails, which do not originate from any Executives LinkedIn account or of UnitedHealth Group's email domains, or those of any of its operating divisions, supposedly conducts an interview via a Zoom meeting, offers a work from home job at Optum, emails an application, sends a fake check by next day delivery through USPS and asks recipients to pay a vendor a large dollar amount. As a Director of Actuarial Services, you will be empowered, supported and encouraged to use your actuarial expertise as you build and maintain actuarial models to support risk management and financial analysis for our Value-Based Care (VBC) business.
Associate Director, Actuarial Services - Remote UnitedHealth Group IncAssociate Director, Actuarial Services - RemoteEden Prairie, MNRemote$112,700–$170,000 / yearThe fraudulent LinkedIn messages and emails, which do not originate from any Executives LinkedIn account or of UnitedHealth Group's email domains, or those of any of its operating divisions, supposedly conducts an interview via a Zoom meeting, offers a work from home job at Optum, emails an application, sends a fake check by next day delivery through USPS and asks recipients to pay a vendor a large dollar amount. As an Associate Director of Actuarial Services, you will be empowered, supported and encouraged to use your actuarial expertise as you build and maintain actuarial models to support financial analysis for our Value-Based Care (VBC) business.
Associate Actuarial Director - Remote UnitedHealth Group IncAssociate Actuarial Director - RemoteEden Prairie, MNRemote$112,700–$193,200 / yearThe fraudulent LinkedIn messages and emails, which do not originate from any Executives LinkedIn account or of UnitedHealth Groups email domains, or those of any of its operating divisions, supposedly conducts an interview via a Zoom meeting, offers a work from home job at Optum, emails an application, sends a fake check by next day delivery through USPS and asks recipients to pay a vendor a large dollar amount. We have received recent reports of fraudulent LinkedIn messages and emails alleging or claiming to be sent from UnitedHealth Group, UnitedHealthcare, or Optum Executives.
Global Employer Services Managing Director-Actuarial Services BDO USA PCGlobal Employer Services Managing Director-Actuarial ServicesMinneapolis, MN$157,500–$420,000 / yearThe annual allocation to the ESOP is fully funded by BDO through investments in company stock and grants employees the chance to grow their wealth over time as their shares vest and grow in value with the firm's success, with no employee contributions. Job Summary: A Global Employer Services (GES) Managing Director in our group is responsible for working with partners to ensure successful operations and financial growth of the group.
Actuarial Director, Pricing (Hybrid) Arch Capital Group LtdActuarial Director, Pricing (Hybrid)MN$130,000–$180,000 / yearResponsibilities and Accountabilities: Profitability Reviews/New Submission Analyses: Review products by applying actuarial concepts and techniques to determine portfolio profitability; analyzing and digging into detailed segmentations. Partnering with Strategic Analytics: Our actuaries and predictive modeling teams work closely together to deploy advanced analytics and automation tools to help our businesses underwrite more profitably.
Actuarial Director - Government Programs Blue Cross and Blue Shield of MinnesotaActuarial Director - Government ProgramsEagan, MNRemote$152,900–$210,300 / yearThe Director will provide leadership, guidance, and motivation to the actuarial team while partnering closely with cross‑functional areas such as product, legal, marketing, finance, regulatory affairs, data and analytics, enterprise risk adjustment, and provider networks. Blue Cross and Blue Shield of Minnesota Position Title: Actuarial Director - Government Programs Location: Hybrid | Eagan, Minnesota Career Area: Finance About Blue Cross and Blue Shield of Minnesota At Blue Cross and Blue Shield of Minnesota, we are committed to paving the way for everyone to achieve their healthiest life.
Actuarial Director, Reserving & Loss Analytics (Hybrid) Arch Capital Group LtdActuarial Director, Reserving & Loss Analytics (Hybrid)MN$130,000–$180,000 / yearThis hands-on professional will build solutions, develop analyses, while helping grow a capable team to provide proactive insights and counsel Arch Insurance Group leadership and the business that extends well beyond the analysis of reserves as well as provide technical solutions. The Reserving & Loss Analytics team provides an independent assessment of the balance sheet and portfolio of risks, ensuring the adequacy and accuracy of the reserves as well as communicating the quarterly reserve analyses to the Company's executive leadership, auditors, and regulators.
Actuarial Consultant - Remote UnitedHealth Group IncActuarial Consultant - RemoteEden Prairie, MNRemote$91,700–$163,700 / yearThe fraudulent LinkedIn messages and emails, which do not originate from any Executives LinkedIn account or of UnitedHealth Group's email domains, or those of any of its operating divisions, supposedly conducts an interview via a Zoom meeting, offers a work from home job at Optum, emails an application, sends a fake check by next day delivery through USPS and asks recipients to pay a vendor a large dollar amount. As an Actuarial Consultant, you will be empowered, supported and encouraged to use your actuarial expertise as you build and maintain actuarial models to support financial analysis for our Value-Based Care (VBC) business.
Actuarial Professional SFM Mutual Insurance CompanyActuarial ProfessionalBloomington, MN$67,724–$175,909 / yearThis position will afford you the opportunity to drive the execution of the core actuarial duties of reserving, reinsurance, ratemaking, financial projections, and claim calculations focusing on Workers' Compensation Insurance. Must be on the Actuarial exam track, having passed two exams (or more) in pursuit of Associate of the Casualty Actuarial Society (ACAS) or Associate of Society of Actuaries (ASA) designation, preferred.
Actuarial Professional SFM Mutual Insurance CompaniesActuarial ProfessionalBloomington, MinnesotaThis position will afford you the opportunity to drive the execution of the core actuarial duties of reserving, reinsurance, ratemaking, financial projections, and claim calculations focusing on Workers’ Compensation Insurance. Must be on the Actuarial exam track, having passed two exams (or more) in pursuit of Associate of the Casualty Actuarial Society (ACAS) or Associate of Society of Actuaries (ASA) designation, preferred.
SVP, Actuarial Advisor Marsh & McLennan Companies IncSVP, Actuarial AdvisorMNAs a senior leader, you will engage directly with clients to discuss risks, concerns, and potential solutions, leveraging your expertise and broad reinsurance market knowledge-even in the absence of a full actuarial data review. We aim to attract and retain the best people and embrace diversity of age background, disability, ethnic origin, family duties, gender orientation or expression, marital status, nationality, parental status, personal or social status, political affiliation, race, religion and beliefs, sex/gender, sexual orientation or expression, skin color, veteran status (including protected veterans), or any other characteristic protected by applicable law.
NewActuarial Analyst AmeripriseActuarial AnalystMinneapolis, MNProvide technical analysis and support of a well-defined nature by modifying, maintaining, operating and documenting various actuarial models based in spreadsheets or other analytical software. By fostering a culture of face-to-face collaboration, idea sharing, productivity and personal connection, we deliver for our stakeholders — clients, advisors, employees and shareholders.
Actuarial Sr. Consultant - Life Model Owner (Hybrid) Securian Financial Group, Inc.Actuarial Sr. Consultant - Life Model Owner (Hybrid)Saint Paul, MN$111,300–$207,800 / yearPreferred Skills: Actuarial Exams, Actuarial Modeling, Actuarial Science, Aptitude (Inactive), Debating, Experimentation, Financial Reporting and Analysis, Group Problem Solving, Learning Quickly, Reserve Calculation, Service Oriented, Teamwork, Working Independently. This role serves as the primary modeling subject matter expert for Life products and partners closely with Individual Solutions, Enterprise Risk Management, Valuation, the Appointed Actuary, and other key stakeholders to support critical business and financial reporting needs.
Actuarial Analyst - Remote UnitedHealth Group IncActuarial Analyst - RemoteEden Prairie, MNRemote$60,200–$107,400 / yearThe fraudulent LinkedIn messages and emails, which do not originate from any Executives LinkedIn account or of UnitedHealth Group's email domains, or those of any of its operating divisions, supposedly conducts an interview via a Zoom meeting, offers a work from home job at Optum, emails an application, sends a fake check by next day delivery through USPS and asks recipients to pay a vendor a large dollar amount. As an Actuarial Analyst within Optum Health, you will support actuarial efforts in data analysis, Excel modeling, and other actuarial analytics for monthly reserving and medical expense forecasting.
Actuarial Senior Consultant - Remote UnitedHealth Group IncActuarial Senior Consultant - RemoteEden Prairie, MNRemote$91,700–$163,700 / yearThe fraudulent LinkedIn messages and emails, which do not originate from any Executives LinkedIn account or of UnitedHealth Group's email domains, or those of any of its operating divisions, supposedly conducts an interview via a Zoom meeting, offers a work from home job at Optum, emails an application, sends a fake check by next day delivery through USPS and asks recipients to pay a vendor a large dollar amount. As an Actuarial Senior Consultant on the UHG Enterprise Solutions team you will use advanced analytical tools and large-scale healthcare data to analyze the financial impact of emerging healthcare technologies, drugs, and market developments.
Senior Manager, Actuarial CVS Health CorpSenior Manager, ActuarialMN$106,605–$260,590 / yearAs a Lead Actuary, you will guide a high-performing team in developing innovative formulary strategies and delivering critical insights that inform pricing, product design, and policy decisions. Shape Strategy: Evaluate and optimize Commercial formulary strategies, including drug tiering and utilization management, balancing cost, access, and rebate optimization.
Actuarial Consultant Deloitte Touche Tohmatsu LtdActuarial ConsultantMinneapolis, MNServing federal, state, & local government clients as well as public higher education institutions, our team of professionals brings fresh perspective to help clients anticipate disruption, reimagine the possible, and fulfill their mission promise. Our purpose comes through in our work with clients that enables impact and value in their organizations, as well as through our own investments, commitments, and actions across areas that help drive positive outcomes for our communities.
Medicaid Actuarial Senior Manager Deloitte Touche Tohmatsu LtdMedicaid Actuarial Senior ManagerMinneapolis, MN$180,200–$355,100 / yearServing federal, state, & local government clients as well as public higher education institutions, our team of professionals brings fresh perspective to help clients anticipate disruption, reimagine the possible, and fulfill their mission promise. Our purpose comes through in our work with clients that enables impact and value in their organizations, as well as through our own investments, commitments, and actions across areas that help drive positive outcomes for our communities.
Medicaid Actuarial Senior Consultant Deloitte Touche Tohmatsu LtdMedicaid Actuarial Senior ConsultantMinneapolis, MN$137,700–$229,500 / yearServing federal, state, & local government clients as well as public higher education institutions, our team of professionals brings fresh perspective to help clients anticipate disruption, reimagine the possible, and fulfill their mission promise. Our purpose comes through in our work with clients that enables impact and value in their organizations, as well as through our own investments, commitments, and actions across areas that help drive positive outcomes for our communities.
Actuarial Analyst Medica Health Plans IncActuarial AnalystMinnetonka, MN$70,200–$105,315 / yearAnnual salary range placement will depend on a variety of factors including, but not limited to, education, work experience, applicable certifications and/or licensure, the positions scope and responsibility, internal pay equity and external market salary data. Were a team that owns our work with accountability, makes data-driven decisions, embraces continuous learning, and celebrates collaboration - because success is a team sport.
Actuarial Analyst - Medicaid Medica Health Plans IncActuarial Analyst - MedicaidMinnetonka, MN$70,200–$105,315 / yearAnnual salary range placement will depend on a variety of factors including, but not limited to, education, work experience, applicable certifications and/or licensure, the positions scope and responsibility, internal pay equity and external market salary data. Were a team that owns our work with accountability, makes data-driven decisions, embraces continuous learning, and celebrates collaboration - because success is a team sport.
Senior Actuarial Analyst Centene Corporation GroupSenior Actuarial AnalystMNRemote$70,100–$126,200 / yearYou'll gain hands-on experience with VBC contract modeling, healthcare data analytics, financial performance analysis, vendor partnerships, and cross-functional collaboration across multiple lines of business, providing diverse work, continuous learning, and exposure to complex challenges with minimal repetitive tasks. Collaborating with cross-functional teams, including Medical Economics, Enterprise Partnerships, Network, and Clinical teams, to gather data, validate assumptions, and support ongoing initiatives.
Health Solutions Senior Actuarial Consultant Aon PlcHealth Solutions Senior Actuarial ConsultantMN$125,000–$170,000 / yearWhat the Day Will Look Like Perform strategy and actuarial consulting to include the following: (Benefit strategy, Goal setting, Benchmarking, Plan design, Pricing strategy, Budget setting, Bid/selection projects) Provide actuarial client leadership on targeted clients/prospects focusing on broader business objectives such as: (Take ownership of outcomes, Delegate responsibilities effectively; coach and mentor team members, build relationships with clients, Understand clients' business, Analyze scoping needs) Exhibit leadership in business judgment in anticipating client/project needs and developing alternative solutions. Lead actuarial work on client teams, provide technical coaching to other team members, and provide ultimate sign-off on results; likely play role on broader actuarial team on jumbo clients, managing large actuarial projects and deliverables, and coordinating with other actuarial team members.
Health and Benefits Actuarial Vice President Aon PlcHealth and Benefits Actuarial Vice PresidentMN$180,000–$220,000 / yearWhat the Day will Look Like: Lead actuary on client teams, leading actuarial projects and client relationship Influence clients' overall strategic and financial direction in benefits; frame results in the context of the marketplace Project savings/costs related to health benefits and applicable changes Mentor and leverage work to less experienced actuaries Review health care budgets and contribution setting Make statements of actuarial opinion and lead analysis behind them; directly responsible for all actuarial deliverables Communicate actuarial results to clients; lead all financial meetings, explaining actuarial results and potential alternatives Assist in benchmarking discussions with clients, including strategy evolution as a result of benchmarking data Perform IBNP reserve development Review models to evaluate cost-saving scenarios Seek and provide peer review to ensure high quality client deliverables Develop general consulting skills, knowledge, and exposure How this Opportunity is Different: Your role will include participating in client account management, allow you build and manage strong and sustainable relationships with clients, and will require you to respond to the needs and objectives of leadership of Aon's insurance and reinsurance practices. Skills and Expertise that will lead to Success FSA/ASA (Fellow of the Society of Actuaries or Associate of the Society of Actuaries) designation required 10+ years of industry experience (carrier or health care consulting) Project/client/financial management experience Broad business knowledge/perspective Business development experience, including competitor and market knowledge a plus Bachelor's degree Aon is not accepting unsolicited resumes from search firms for this position.
Actuarial Consultant - Social, Healthcare and Public Entities McKinsey & Co IncActuarial Consultant - Social, Healthcare and Public EntitiesMinneapolis, MNThe team includes more than a dozen actuaries with expertise across Commercial, Medicare, Medicaid, and other business segments, supporting profitability teardowns, risk adjustment and quality analytics, cost-of-care analysis, growth strategy, and the optimization of risk-based healthcare businesses. By combining actuarial rigor, advanced analytics, and strategic problem solving, you will help healthcare organizations build lasting capabilities, accelerate growth, improve quality of care, and create greater value for the populations they serve.
Sr Actuarial Associate Medica Health Plans IncSr Actuarial AssociateMN$88,800–$133,245 / yearAnnual salary range placement will depend on a variety of factors including, but not limited to, education, work experience, applicable certifications and/or licensure, the positions scope and responsibility, internal pay equity and external market salary data. We are a team that owns our work with accountability, makes data-driven decisions, embraces continuous learning, and celebrates collaboration - because success is a team sport.
Manager, Actuarial Services Centene Corporation GroupManager, Actuarial ServicesMNRemote$134,600–$249,000 / yearAdditional responsibilities will include: Lead the development of sophisticated financial models to assess financial risk and opportunity associated with proposed and existing VBC arrangements (e.g., shared savings/risk, capitation, bundled payments, specialty carve-outs). Why This Role Is Appealing: As a critical leader on the team, you'll shape Value-Based Care (VBC) strategies, vendor arrangements, and contract design that drive significant financial value across multiple lines of business.