Veronika Kulinchenko is an experienced actuarial professional currently serving as the Head of Zurich Municipal Reserving at Zurich Insurance since May 2019. Prior to this role, Veronika worked at PwC from September 2012 to April 2019, where positions included Actuarial Manager and Actuarial Consultant, focusing on validating internal models, conducting audits, and assessing capital requirements for large insurers, including Lloyd's syndicates. Veronika also completed a summer internship in pensions actuarial consultancy at Aon Hewitt in 2011. Veronika holds a Bachelor of Science degree in Mathematics from the University of Birmingham, earned from 2009 to 2012.