Cindy Chou is a Chief Actuary at Aflac Re Bermuda, bringing over 15 years of actuarial experience across North America and Asia. Previously, they held various actuarial roles at John Hancock Life Insurance Company, including Hedging Actuary and AVP & Actuary, where they contributed to product development and financial reporting for life insurance and annuity products. They also served as AVP & Regional Actuary at Manulife, focusing on IFRS 17 and capital optimization, as well as leading the design of a shared services center for the Asia Division. Cindy earned an MSc in Mathematical Finance from Boston University and a Master of Commerce in Actuarial Studies from Macquarie University.
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