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Josh Dobiac is a principal and risk consultant in the Chicago Financial Risk Management (FRM) Practice of Milliman. He joined the firm in 2016.
Josh specializes in asset/liability management for both general and separate (segregated funds) products. He also has substantial experience on valuing insurance liabilities, and regulatory and accounting issues in the U.S. (PBR, GAAP LDTI) and internationally (Solvency II, IFRS 17, ICS). He has experience modeling complex financial assets on both real-world and risk-neutral bases.
Josh also leads FRM’s efforts on Environmental, Social, & Governance (ESG) investing, particularly for life insurer general accounts, and has developed partnerships with ESG-oriented asset managers, government agencies, and multinational development finance organizations to explore new ways to integrate ESG considerations to bridge the public-private divide.
Prior to Milliman, Josh had seven years of ALM and financial & statistical modeling experience in life insurance markets in the U.S., Europe, and Asia.
Josh holds a Master of Science in mathematics from the University of California at Irvine, as well as an LL.M and J.D., both with a focus on insurance law, from the University of Connecticut where he was also the managing editor of the Connecticut Insurance Law Journal. His academic background puts him in an excellent position to consult on hedging, derivative valuation and simulation, stochastic modeling, and regulatory developments in insurance.
"I Came, I Saw, I Underwrote: D&O Insurance's Past Underwriting Practices and Potential Future Directions", 14 CONN. INS. L.J. 487 (2008).