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Oliver Herbert is a Senior Commercial Actuary at Phoenix Group, where Oliver supports the Retirement Solutions Commercial & Finance Director in managing the company's portfolio of individual and bulk annuities. With a background in transaction pricing and financial modelling, Oliver has held director positions at ReAssure and Swiss Re. Previously, Oliver worked at companies like EY, Standard & Poor's, and A.M. Best Company, gaining experience in financial due diligence and capital management for insurance companies. Oliver holds a Bachelor of Arts in Modern History from the University of Oxford and is a Fellow of the Institute and Faculty of Actuaries.