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Charlotte Whitehead

FIA
Consultant
London, UK

Charlotte Whitehead is a consulting actuary in Milliman’s London Property and Casualty Practice. Bringing over a decade of actuarial experience within the Lloyd’s and London Market. Since joining Milliman in 2025, Charlotte has been instrumental in delivering innovative risk management solutions and actuarial insights to a diverse portfolio of clients.

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Experience

Charlotte has extensive experience across a wide range of actuarial disciplines developed through both in-house roles and client projects. She has partnered with a diversified range of clients, including specialty insurers, run-off insurers, and Lloyds syndicates by leveraging on her experience to deliver actionable outcomes. She is adept in utilising a range of actuarial methods, liaising and presenting findings to heads of functions, chief actuaries, underwriters, claims teams, and reporting actuaries.

She also assists clients on risk management, recovery and resolution planning, solvent exits, financial reporting, claim analytics, large loss report, and legacy portfolio analysis.

Her areas of focus include:

  • Reserving reviews: Leading comprehensive reserving reviews for a wide range of London Market and commercial lines entities, ensuring robust reserve adequacy and regulatory compliance.
  • Speciality lines expertise: Providing actuarial reserving expertise on traditional specialty London Market lines and emerging underwriting exposures, such as those related to sharing-economy and autonomous vehicle insurances.
  • Reserving processes: Designing, building, and optimising reserving processes, including management of transformation projects and implementing new data sources and software solutions.
  • Solvency II: Completing technical provisions and producing Actuarial Function Reports in accordance with Solvency II requirements.
  • M&A due diligence: Performing reserving exercises to support M&A due diligence work, including the assessment of large and complex legacy portfolios, work to tight deadlines and expanding scopes.
  • Legacy business: Delivering reserving and analytical support on run-off portfolios, including those with APH liabilities, and participating in schemes of arrangement for insolvent insurers.

Charlotte is proficient in a range of analytical tools, including SQL, VBA, and Power BI. Prior to joining Milliman, Charlotte was a reserving actuary at Apollo Underwriting and a member of the General Insurance team at PwC.