Ann Marie Smith serves as Senior Vice President and Chief Actuarial and Underwriting Officer at Employers Holdings Inc., where she oversees the company's actuarial, underwriting, and pricing strategies for its workers' compensation insurance operations. With over 25 years of experience in the property and casualty insurance industry, she leads a team of actuaries and underwriters in developing data-driven models to assess risk, set competitive premiums, and ensure financial stability. Her strategic vision has been instrumental in navigating complex regulatory environments and market volatility, positioning Employers as a leader in specialized insurance solutions. Smith's career began as an actuarial analyst at a major national insurer, where she advanced through progressively senior roles, earning her Fellow of the Society of Actuaries (FSA) designation and Associate of the Casualty Actuarial Society (ACAS) credentials. Prior to joining Employers in 2015, she held executive positions at Liberty Mutual and Zurich North America, where she spearheaded initiatives that optimized underwriting portfolios, resulting in multimillion-dollar cost savings and improved loss ratios. Notable achievements include pioneering predictive analytics tools that enhanced fraud detection by 30% and implementing enterprise risk management frameworks that earned her industry accolades, such as the Casualty Actuarial Society's Outstanding Contributor Award. At Employers, Smith has driven transformative projects, including the integration of machine learning into pricing algorithms and the expansion of underwriting guidelines to support small business growth. Her leadership emphasizes innovation, diversity in actuarial talent, and a commitment to customer-centric risk solutions, contributing to the company's consistent profitability and strong policyholder retention rates.