A multilingual expert in employee benefits for multinational corporates.

Isabel heads up MBWL International, advising multinational organisations on their employee benefits arrangements around the world, with a focus on corporate sales and purchases, accounting disclosures and the financing, risk management and design of benefit plans.

Her vast experience includes leading global accounting consolidations under international, UK and US accounting standards for multinational companies headquartered in the UK and overseas – with consolidations ranging in size from two to over 50 defined benefit plans.

She has advised both corporate and private equity buyers on the employee benefit considerations (including pension liabilities) associated with corporate sales and purchases in Europe and worldwide, from due diligence through to closing and subsequent integration work. Isabel has also undertaken many benefit audits and benchmarking exercises, including a 25-country audit for a company in the technology sector.

Other areas of Isabel’s expertise include reviewing and establishing international pension plans, advice on individual expatriate employee benefit packages and supporting multinationals in agreeing and implementing global governance approaches and policies for managing their employer benefit plans.

Isabel chairs the International Committee of the Association of Consulting Actuaries and is fluent in German and French.

A global human capital and risk management leader with wide-ranging technical and management experience.

JP joined Milliman to lead the Global Employee Benefits Consulting Practice, in partnership with MBWL. He has over twenty years’ experience helping multinational clients to design, deliver and manage programs globally across pensions, benefits and M&A. He specialises in solving complex global issues and delivering value and innovation to multinationals and their employees.

His expertise includes: global pensions and benefits; M&A; funding, investment, and derisking strategies; change management; total rewards and employee experience; global client management and business development.

He has also served as a board chair and senior advisor, as is a frequent external speaker who has helped lead several client roundtables.

JP is a Fellow of the Institute of Actuaries in the UK, and he has lived and worked in the US, UK, Germany, and Austria.

Caroline is a Global Benefits Consultant and Asia Regional Leader for MBWL and is based in Singapore. For more than a decade, she worked at WTW advising large multinational companies in Asia on global benefits management (GBM) and other benefits-related projects. She has successfully led significant client relationships and teams, and was the diversity, equity & inclusion (DE&I) representative for Asia at WTW.

She brings extensive client consulting experience and expertise in employee benefits, including global benefits coordination and project management, plan design and benchmarking, strategy and governance, M&A (due diligence and strategy, through post-deal implementation), and special client projects on topics such as wellbeing and DE&I.

Caroline graduated with a bachelor’s degree in Actuarial Science/Finance and has lived and worked in the US and Southeast Asia. She is fluent in English, Mandarin, Cantonese, and Malay.

Bob joined Milliman / MBWL in April 2023 as a Senior Adviser to help develop and grow our global benefits business and meet our clients’ expanding needs internationally.

He brings a wealth of market leadership and experience, both in serving global clients on all aspects of global benefits and compensation, as well as building and leading an international benefits business.

Bob is an expert across international benefits – from global benefits brokerage, governance and compliance, design and financing, client management, etc. He has extensive knowledge of the international benefits market, including with insurers, networks, brokers and employers worldwide.

If you work in employee benefits, chances are you’ve come across David in one form or another. David has built a solid reputation as someone who believes passionately in the value of a clear, well considered benefits strategy. After all, employee benefits without a purpose risks being just another drain on budgets and resources.

With over 20 years delivering employee consulting services, David’s list of achievements is considerable. He has helped a broad scale of organisations — from SMEs to large FTSE 100 companies — and worked across a wide range of employee benefit areas.

David most enjoys seeing the value generated for clients by an innovative, well thought through employee benefits strategy. He is dedicated to meeting the specific needs of each employer, as well as the people who work there.

Lewys joined Barnett Waddingham in 2012, having graduated from Durham University with a First Class degree in Natural Sciences (Mathematics and Physics). Lewys qualified as an actuary in July 2016, winning the Actuarial Risk Management prize for the performance in his CA1 exam.

Lewys advises companies on a wide range of defined benefit (DB) pension issues, including funding valuations, corporate accounting, transactions and liability management. He has completed projects for a variety of different companies (with schemes ranging from the low millions to the multi-billions), helping to reduce both risk and cost.

Lewys has also spent time in the USA as part of Barnett Waddingham’s joint venture with Milliman, building up a good understanding of US pensions issues.

Lewys became a Principal at Barnett Waddingham in 2022. 

Daniel is a seasoned total rewards professional with more than 30 years of experience in group benefits. He is a shareholder of Normandin Beaudry based in Toronto and is a member of the firm’s executive committee.

Daniel is a strong believer that group benefits should be designed to meet the various needs of employees while being straightforward and efficient. Cost stability and affordability for employers and employees is always on the back of Daniel’s mind; as such, he strives for innovation and creativity in the design and communication of group benefits plans. He is also a skilled communicator who enjoys being in the trenches: whether speaking to a board of directors or to a group of employees, that’s when he’s at his very best.

He has been actively involved in the development of different areas of expertise for Normandin Beaudry over the past 26 years, including disability management, health and well-being, and international mobility solutions.

Benjamin works as a consultant for Lurse in the Benefits Consulting business unit. His focus lies in the support of national and international companies in the areas of Pensions & Benefits. This includes the introduction, optimization and harmonization of pension schemes as well as the analysis of pension obligations in the context of M&As. He has more than 4 years’ experience in supporting clients in these areas.

Benjamin speaks German and English.

A trusted consultant to a wide range of UK and multinational corporates.

Nick has overall responsibility for Barnett Waddingham’s Corporate Consulting practice area. His extensive experience, clear advice and proactive approach have helped him to become a trusted consultant to a wide range of UK and multinational businesses — with combined liabilities of over £10 billion.

He advises a range of businesses on defined benefit pension issues including risk reduction exercises, scheme funding, pension benefit design and accounting disclosures. He has provided advice on bulk annuity transactions ranging from £3 million to £150 million.

Nick has developed particular expertise on Pension Protection Fund levy issues and has a proven track record in reducing levies for his clients by over £20 million through a variety of proactive actions.

Nick is a well-known figure in the industry, regularly speaking to trade groups and serving on advisory councils.

Anika joined Lurse in 2013 and is managing the account and employee communication team in the pension consulting area. With a degree international Employee Benefits, she is well experienced in international project management. A chairwoman of an Employee Benefits Working Group from 2016 and 2019, she coordinated international activities for the strategic growth of a global network of actuaries and pension consultancies.

Since 2017 Anika has been a managing director in a subsidiary, and she is well-connected in a network of insurance brokers in Germany. Her professional skills include the review, evaluation and restructuring of pension schemes in Germany. Today, she focuses on the development and implementation of employee communication concepts within pension and benefit programs.

Anika speaks German and English.

Paul’s remit within the firm’s defined contribution (DC) consulting practice is head of the North and Scotland team. He is also a member of the firm’s Employer Consulting Board. Paul specialises in advising corporate and trustee clients in the design and ongoing governance of DC pension arrangements.

Paul has developed particular expertise in all elements of DC pension consultancy; from scheme design and governance, establishing and delivering communication and member engagement plans, DC scheme consolidation and wind-up projects, through to managing defined benefit (DB) to DC transition exercises.

Paul’s extensive experience, clear advice and proactive approach have helped him to become a trusted consultant to a wide range of UK and multi-national businesses and various trustee boards.

A seasoned actuarial professional specializing in retirement plan consulting.

Bret has worked with a variety of private, multiemployer and public employers specializing in retirement plan consulting. Assignments include actuarial valuations, assumption studies, asset/liability studies, healthcare plan design consulting, budgeting and cost projections, plan amendments and non-discrimination testing. Other areas of experience include merger and acquisition due diligence, post-merger integration and spinoffs and plan administration. Bret also created Milliman’s Daily Pension Tracker tool (MDPT) to help clients value their plans on a daily basis.

Bret has also performed HR operational due diligence for private equity investors and strategic buyers. His experience includes cost analysis of HR programs, benefit integration analysis, assessing financial risk exposures, transition services agreements and negotiating benefit programs.

Bret is fluent in Spanish, has spoken before professional and client groups and has authored articles on employee benefits for Milliman.

Thomas works as a Manager for Lurse in the International Pensions and Benefits Consulting business unit.

He has a professional background as a mathematician and actuary, and he is a Pensions and Benefits expert with particular focus in project management. Thomas has more than 10 years’ experience in supporting clients on developing modern pensions and benefit schemes, with experience in the transformation and restructuring of pension schemes for large German multinational companies.

In his role as a board member of an international network of free insurance brokers, he advises on tailored insurance solutions.

Thomas sits on the Employee Benefits Steering Committee of the Worldwide Broker Network and speaks German, English and Romanian.

A defined benefit specialist with a pragmatic approach.

Adam heads up Barnett Waddingham’s corporate consultancy team in the north of England.

His knowledge on defined benefit pension issues have proven him to be an invaluable source of guidance to a diverse range of multi-national businesses. Adam has developed particular expertise on reducing risk and cost in defined benefit schemes and has helped many companies design and implement holistic risk reduction strategies. He also works with individuals confronting annual and lifetime allowance limits.

Adam has over 20 years of experience providing guidance on defined benefit arrangements. He has provided accounting consolidation advice to multinational organisations; the largest of which had over 100 schemes and around $20 billion of pension obligations. He has also advised on over 50 transactions involving pension liabilities — both buying and selling.

He is also a fellow of the Institute and Faculty of Actuaries.

Jane is a qualified actuary who advises organisations on a wide range of pension issues, primarily related to their legacy defined benefit pension plans.

Jane’s approach is to first understand the objectives of the key stakeholders; then provide clear, considered, complete and concise advice; and finally, to deliver the most appropriate solution in the most efficient way.

In more than 25 years in the pensions industry, she has advised the full spectrum of clients from listed global multinationals to small, family-owned businesses with assets ranging from £3 billion to £20 million. She has advised companies on benefit design changes, scheme merger and harmonisation, liability management, scheme funding negotiations, longevity transactions, M&A activity and accounting disclosures. In addition, Jane historically advised trustees and therefore has a good understanding of the approach trustees and their advisers might adopt.

Jane’s extensive experience, clear advice and proactive approach has helped her to become a trusted consultant to a wide range of UK and multinational businesses.

An innovative problem-solver adept in delivering value for large clients.

Rajish serves as Pension Managing Director and leader of Milliman’s Employee Benefits practice in the Netherlands; the organisation’s first in Europe.

He specialises in helping large clients and pension funds with issues such as plan design, funding, cost projection, valuation, solvency, risk management and execution of pension plans in a volatile financial environment. Trained as an actuary and a consultant, he uses his in-depth knowledge of the pension, regulatory and financial markets — together with his actuarial, financial and consulting perspective to create innovative solutions for his clients.

Rajish’s significant experience includes consulting to the boards of pension funds, as well as serving as the appointed actuary for several other pension funds. He also operates as consulting actuary for corporate clients, insurance companies and unions.

William is based in the Dallas office of Milliman, where he partners with plan sponsors to design and implement employee benefit plans tailored to their strategic goals.

He has worked in the retirement consulting field since 2007, with prior experience at Buck Consultants and Fidelity Investments. Clients look to William to provide proactive consulting advice on how to mitigate benefit plan risk and leverage plans to achieve workforce planning goals.

His expertise includes actuarial valuations for defined benefit and retiree medical plans, defined benefit and defined contribution design (qualified and nonqualified), optimizing cash balance designs for professional service firms, merger & acquisition due diligence, projections to evaluate future retirement design changes, consultation on Liability Driven Investing strategies to manage pension risk, global accounting consolidation and consultation on plan administration outsourcing alternatives. William has presented at professional conferences and corporate meetings on a variety of employee benefit topics.

An industry leader with a prestigious career in defined benefit pensions.

Andrew advises a range of UK and international businesses on defined benefit pension issues including pension scheme funding, risk reduction exercises, pension benefit design, merger and acquisition (M&A) transactions and accounting disclosures.

Throughout Andrew’s illustrious, 35-year career, he has worked at board level with FTSE100 (or equivalent) organisations, becoming a trusted adviser to major multinationals. He has provided funding and related advice to clients across a range of scheme sizes and industries with pension scheme assets as high as £10 billion.

He has developed an innovative liability management strategy and has provided extensive corporate M&A advice and due diligence to international businesses investing in the UK.

An esteemed figure, he chaired both the Association of Consulting Actuaries and the International Association of Consulting Actuaries, as well as the Defined Ambition Industry Working Group.

Zorast Wadia is a principal and consulting actuary with the New York office of Milliman. He joined the firm in 2002. In addition to his client responsibilities, Zorast manages a team of actuarial analysts and is the principal author of the Milliman 100 Pension Funding Study.

An accomplished actuary with a retirement consultancy specialism.

Joel is a principal and consulting actuary in Milliman’s southern employee benefits practice (SEB), where he heads the efforts to expand Milliman’s share of the area’s retirement consulting and administration marketplace. He also leads the efforts to expand the SEB health and group benefits consulting practice.

Active since 1980, Joel’s expertise is in retirement consulting. His work focusses on the design, implementation and ongoing administration of a broad range of qualified and non-qualified retirement programmes and retiree medical plans.

Joel’s extensive experience includes: actuarial valuations for defined benefit plans; cost projections to evaluate future business conditions and their effect on benefit programmes; retirement and financial planning seminars; assisting employers in developing plan design strategies; extensive merger and acquisition analyses; and reviewing plan administration and outsourcing alternatives.

Joel is also an accomplished speaker, presenting at professional conferences, seminars and corporate meetings nationwide.

A highly driven employee benefits and retirement specialist internationally.

Mark provides independent and objective consulting advice on employee benefits to multinationals, local companies and government-linked organisations.

Mark has over 23 years of employee benefits, retirement and financial services experience gained in Asia, Europe and Africa.

Before joining Milliman, Mark headed Willis Towers Watson’s benefits consulting business in South East Asia for over seven years, with teams in five countries.

Mark is an expert on benefits and retirement practice in each market in the region, gained from single and multi-country project experience, including; benefits review and optimisation, retirement plan design, retirement actuarial valuation, retirement and benefits administration, flexible benefits design and pricing, benefits communication, pre-M&A benefits due diligence and post-M&A benefits harmonisation. He has also worked on several multi-streamed HR transformation projects across the region.