candida in esophagus

Our Partners

AP Partners

Senior Partner

Zainal Abidin Mohd. Kassim FIA


Zainal has been with the company since 1982. His consulting experience spans the full spectrum of actuarial services including life and general insurance consulting, family and general takaful consulting, retirement and employee benefit consulting and investment consulting. He was among the first five Malaysians to qualify as a Fellow of an actuarial professional body. With the benefit of a long and diverse career in actuarial consulting he currently specializes in the strategic aspects of takaful, insurance and retirement consulting. He is a firm believer that the best solutions are those that consider the long term needs of all stakeholders. This requires looking at problems on a holistic basis and recognizing the limitations of solutions that overly rely on laws to regulate behaviors. He was the lead consultant in a team of international consultants which undertook a recent review of pension, social security and health care systems in Malaysia. He has also consulted to insurance regulators, most recently to insurance regulators in the Middle East. Zainal’s has written many articles and spoken at conferences globally on his experiences with the development of takaful. He was the first actuary in Takaful in Malaysia. He has also been involved in strategic analysis and the setup of takaful and retakaful operators in Asia, Africa and Europe. Zainal started his career as a pension actuary and remains active in retirement consulting. He is currently a member of the International Accounting Standards Board Working Group in London which is reviewing proposed changes to IAS 19, accounting for pensions and other retirement benefits. He is a Fellow of the Institute of Actuaries of the UK,a Fellow of the Actuarial Society of Malaysia, Fellow of the Singapore Actuarial Society and an Associate of the Society of Actuaries in the USA. He graduated in 1978 from City University in London with a First Class Honors degree in Actuarial Science. He is a past President of the Actuarial Society of Malaysia.




Aiza Yasmin Benyamin FIA

Aiza is a qualified actuary who has been with the company since graduating in 1995. Aiza is primarily involved in life insurance and takaful consulting. Her clients have included life insurers, takaful operators and reinsurers in Malaysia as well as global life reinsurers. Aiza has been involved in a number of actuarial due diligence exercises for M&As. For takaful, she has led a team in performing feasibility studies for a number of life insurers and reinsurers looking to set up (re)takaful operations in Malaysia, Africa and UK. She has also been responsible for a wide range of other traditional actuarial work, including financial condition reporting, statutory and bonus reserve valuation, asset share and bonus revision exercises, product development and pricing, embedded value and appraisal valuations. Outside of traditional actuarial work, Aiza also worked on a bancassurance study commissioned by Bank Negara in 2004, and recently worked with the Malaysian insurance association (LIAM) in assessing the long term care environment, and policies regarding treating customers fairly.

Chee Yen

Chin Chee Yen

Since joining the company in 1992, Chee Yen has been involved in various areas of actuarial work, particularly in general insurance. Her expertise lies in liability estimations for incurred but not reported (IBNR) claims reserving, appraisal valuation of insurance companies for the purpose of mergers and acquisitions, and risk margin analyses under the risk based capital framework in Malaysia. She has also performed reinsurance optimization analysis using stochastic testing and been involved in the rating of a motor portfolio in Singapore. Other work includes data integrity analysis, staff training for IBNR/RBC and model auditing for infrastructure projects in Australia.


Syed Hamadah Othman FFA

Hamadah leads the retirement business and is responsible for the delivery of retirement services to our clients. He specializes in consulting with multinational companies and local organizations on issues including pension funding & accounting, pension aspects of mergers & acquisitions, benefit design and communication. His experience includes being a member of the international consulting team on the review of pension, social security and healthcare systems in Malaysia. In addition to pension work, he is also involved in the delivery of traditional actuarial work in conventional life and takaful. He currently heads a team of five young aspiring actuaries delivering pricing, reserving and appraisal valuation work. Hamadah is a Fellow of the Faculty of Actuaries, United Kingdom and holds a BSc (Honors) in Actuarial Mathematics and Statistics from Heriot Watt University, Edinburgh.


Hassan Scott Odierno FSA

Hassan Scott Odierno has been with the company since 1996. His specialties are in life and takaful consulting. He is the appointed actuary for both takaful operators as well as conventional insurers, extending from Malaysia to Mauritius to Hong Kong. He has been involved in assisting companies set up takaful operations from feasibility studies to product and model development and business projections in countries such as Malaysia, Indonesia, Saudi Arabia and Bahrain for both local companies as well as multinationals. He has also been involved in merger and acquisition exercises for insurers in countries such as Malaysia, Taiwan, Thailand, Singapore and Bahrain. He is the co-author of a takaful book and a contributing author to another book and frequently writes articles and gives presentations on takaful. He is also the external adviser to two universities in Malaysia to their risk management and actuarial science programs. Hassan is a Fellow of the Society of Actuaries, and has a Bachelor of Science degree with high distinction in Mathematics from WorcesterPolytechnic Institute in the USA.


Nurul Syuhada Nurazmi FCAS

Syuhada joined the company after completing her BA in Actuarial Science and Risk Management & Insurance at University of Wisconsin-Madison, USA. She has been with the company since May 2004 and is among the first in Malaysia to qualify as a Fellow of Casualty Actuarial Society. She has performed reserving for Incurred But Not Reported claims and Risk-Based Capital works for general insurers and takaful operators in Malaysia, Bahrain and Brunei. Her experience in appraisal valuation ranges from due diligence of the general insurers to determining the potential value of a bancassurance general operation of a Malaysian insurer. She is the Signing Actuary for several general insurers in Malaysia. She is also involved in the pricing and certification of Medical and Health Insurance products in Malaysia. This includes the pricing of Life Insurance Association of Malaysia’s and Malaysian Takaful Association’s Critical Illness Scheme for Employee Provident Fund and National Insurance Association of Malaysia’s Sihat Malaysia.

Farzana Ismail FIA

Farzana Ismail joined the company in May 2012. Previously, she was a senior consulting actuary in the life insurance practice for 8 years in Milliman, a multinational actuarial consulting firm in London. In Malaysia, she has worked on various projects including independent actuarial reviews, statutory valuation, pricing, appraisal valuation work for mergers and acquisitions purposes and strategic consulting. She is also the Appointed Actuary for several companies in Malaysia. Her previous experience whilst working in London include statutory valuations, Individual Capital Assessments, Asset-Liability Management (ALM) modelling for with-profits business, mergers and acquisitions, block annuities transactions, independent expert review work, and Solvency II. She worked extensively on annuities and longevity issues in the UK and had also led the takaful initiatives within Milliman London. In addition to Malaysia and the UK, Farzana has worked on client assignments in continental Europe, the US and Asia Pacific. She has written and regularly presented at industry conferences in the UK, US and Malaysia on several actuarial topics including longevity risk, Solvency II and Takaful. She has also written several articles on risk management. She is a co-author of the book “Longevity Risk” by RiskBooks. Farzana is a Fellow of the Institute and Faculty of Actuaries in the UK. She graduated with BSc (Honours) in Actuarial Science from London School of Economics and Political Science and has a Masters (Distinction) in Actuarial Management from CASS Business School, UK.

Learn About Our Practice Areas

Comments are closed.