Risk and Corporate Finance

Protect your company's profitability against any financial scenario

We design financial models that transform uncertainty into strategic decisions. We evaluate the feasibility, valuation, and sustainability of your company, in strict compliance with standards and local regulations.

Discover our measurement products in Risk Management, Social Security, and Finance

IFRS · US GAAP

Feasibility and financial sustainability studies

We conduct detailed financial analyses to provide a deep understanding of your organization's financial health and support informed decision-making.

  • We conduct an exhaustive review of historical and market information.
  • We provide solutions aimed at resource optimization.
  • We evaluate the economic viability of business models.
  • We determine your capacity to generate sustainable value.
  • These consulting services are conducted within the framework of current and applicable financial regulations, such as IFRS, US GAAP, among others.
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Mergers and Acquisitions

Business Valuation

We perform precise business valuations to determine market value, facilitating mergers and acquisitions, sales, and strategic decision-making.

  • We analyze financial statements and other relevant company data.
  • We use advanced financial models to ensure valuation accuracy.
  • We consider economic, sector-specific, and business-specific factors for a comprehensive valuation.
  • Our valuations comply with international regulations and standards, such as IVS, IFRS, and US GAAP.
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Comprehensive Risk

Risk Management Consulting

We offer risk management consulting services to identify, assess, and mitigate the risks facing your organization.

  • We conduct a comprehensive analysis of operational, financial, and strategic risks.
  • We use advanced tools and models to quantify and prioritize risks.
  • We develop customized mitigation and contingency plans.
  • We continuously evaluate the organization's risk profile.
  • We ensure compliance with international risk management regulations and standards.
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Funds

Sustainability studies for pension funds or trusts

We perform a comprehensive financial and actuarial sustainability analysis of funds or trusts with defined benefit or pay-as-you-go systems.

  • We conduct a detailed analysis of the structure and composition of the fund or trust.
  • We evaluate the financial and economic risks that could affect their sustainability.
  • We use advanced actuarial and financial models to project future performance.
  • We calculate the premiums required to finance benefits.
  • We structure and quantify benefit or credit provisions.
  • We ensure regulatory compliance with current and applicable standards.
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Social security

Actuarial valuation for social security systems

We perform financial and actuarial sustainability studies for social security systems.

  • We conduct a detailed analysis of the demographic and financial structure of the social security system.
  • We use advanced actuarial models to project future income and expenditure behavior.
  • We evaluate the risks and economic scenarios that could affect the sustainability of the system.
  • We review current and applicable regulations to ensure regulatory compliance.
  • We provide strategic recommendations to improve the stability and efficiency of the social security system.
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Profitable loyalty

Valuation of loyalty programs

We determine an appropriate reserve for loyalty programs by projecting benefit accumulation and redemption behavior.

  • We analyze the structure and benefits offered by the loyalty program.
  • We use market information and each client's experience to simulate different scenarios.
  • We calculate the redemption cost of miles or points by product type.
  • We quantify and evaluate the adequacy of reserves according to applicable regulations.
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Labor liability

Labor liability optimization: DLV and PAR

We design strategies for the management and optimization of labor liabilities.

  • We implement negotiation mechanisms that generate savings and facilitate a planned exit process.
  • We structure Savings and Retirement Plans (PAR) to establish funds that progressively support employer obligations.
  • We evaluate the tax and accounting impact of these strategies.
  • We analyze the financing alternatives available in the market to execute the selected strategy.
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Learn about our technical process

A transparent and structured workflow from start to finish, designed to deliver reliable results.

01

Financial diagnosis

We analyze your needs, historical data, market behavior, and the applicable regulatory framework to understand the true context of your business.

02

Financial data structuring

We analyze your liquidity, profitability, and risk exposure levels against current market conditions. 

03

Financial and actuarial modeling

We quantify risks and project your company's performance using advanced mathematical models and future scenarios.

04

Results and action plan

We translate complex models into clear, prioritized guidelines. We provide you with a technical and strategic roadmap to make decisions with total precision.

Expert consultants who stand behind your numbers

Technical authority at the level of the decision you are making.

Esteban Vargas
Esteban Vargas
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Chief Actuarial Officer
María Isabel Páez
María Isabel Páez
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Head of Risk & Finance

Precision that builds trust

The experience of working with Actuaria, in the words of our clients.

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"Working with Actuaria gives us confidence. Their team has demonstrated a high level of professionalism and expertise. We have received customized solutions that adapt to our needs. Communication is seamless, and they are always available to address any concerns."

”

Paúl Villagomez

Technical and Risk Manager, BMI Ecuador

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"The Actuaria Consultores team provides exceptional actuarial service. Their precision, professionalism, and attention to detail have exceeded our expectations, providing clear and effective solutions. Highly recommended."

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David Vega

Actuary I, AIG Ecuador

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"I have known Actuaria for many years. Their professionalism and empathy are unparalleled. They do not just perform mathematical and actuarial calculations; they are true advisors who are invested in the growth and development of the company."

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Julio Tarré

General Manager, Plan Vital

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"Thanks to Actuaria, we have implemented a real-time Capital Adequacy calculation system using the most up-to-date data available. This has improved our efficiency and accuracy, reduced errors, and optimized our decision-making."

”

Lía Silva

CFO, Panamerican Life Insurance Group

Backed by national and international certifications

We operate under the strictest national and international regulations to ensure the accuracy, security, and confidentiality of your information.

Get advice from Actuaria

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Do you have questions?

We answer your questions about our solutions.

What financial risk models do you implement?
How do you value a company?
Do you evaluate the sustainability of pension funds and trusts?

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