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Stephen Vincent is a seasoned financial analyst with extensive experience in the life insurance industry, currently serving as a Senior Financial Analyst at AM Best since May 2023, focusing on the U.S. and Caribbean markets. Previously, Vincent held roles such as AVP of Enterprise Risk Management and Reinsurance at The Baltimore Life Insurance Company, where relationship building and treaty development were key responsibilities. Earlier positions include Assistant Vice President at Fidelity and Guaranty Life, where risks were identified and processes improved, and a Senior Financial Analyst role at A.M. Best. Vincent's career began at Penn Mutual, encompassing various actuarial tasks and a decade-long relationship with the New York Department of Financial Services. The foundation of Vincent's technical expertise was established as a Systems Programmer at Unisys, developing data communication software across various sectors. Vincent holds a BS in Mathematics and Computer Science from Villanova University.