Michael W. Pado
Personal Information
  • Address:
    321 Ocean Blvd.
    Atlantic Highlands, NEW JERSEY 07716 United States
  • Phone:
  • Cell:
  • Email:
  • Attorney:
  • Education:
    Professional Licenses/Credentials:
    1. Society of Actuaries - FSA
    2. Academy of Actuaries - MAAA
    3. Rutgers University - 3 degrees - see below
  • Degrees:
    1. Digital Transformation - MIT Professional Education - 2021
    2. Mini-MBA (Supply Chain) - Rutgers Executive Education - 2017
    3. Executive MBA - Rutgers Graduate School of Management - 1994
    4. BSc. Mathematics - Rutgers University - 1978

  • Designations:
    1. Fellow of the Society of Actuaries (FSA)
    2. Chartered Enterprise Risk Analyst (CERA)
    3. Certified Neutral Arbitrator - ARIAS
  • Other Information:
    I serve as an expert consultant and witness from time to time, as appropriate.
Work Experience
  • Insurance Company: 5 years.
    Executive Officer (CEO, COO, CFO, Chief Actuary): 2 years. CEO
    Finance Department: 1 year. Financial reporting actuary
    Actuarial Department: 2 years. Group pensions, product profitability, field compensation
  • Reinsurance Company: 31 years.
    Executive Officer (CEO, COO, CFO, Chief Actuary): 21 years. CEO, CUO, SVP BD
    Actuarial Department: 10 years. Actuary
  • Insurance-related Firms: 3 years.
    Consultant: 3 years. Senior Consultant , Actuarial & Benefits Consulting
  • Independent/Other Relevant Experience: 4 years.
    Other : 4 years. Advisory Board Member to InsurTech start-ups
Breakdown of Experience
  • Life
  • Contract Wording
  • Regulatory/Licensing
By Market
  • U.S. Market:
  • Bermuda/Off-shore Market:
  • Global Market:

Insurance vs. Reinsurance: 20/80%
Treaty vs. Facultative Reinsurance: 90/10%
Former Insurance or Reinsurance Company Officer
Former Insurance or Reinsurance Company Director

ARIAS Experience

Ethics Training, as Trainee: 1; May 2010

ARIAS Conference Faculty: 1; Spring 2017

Arbitration Experience

Number of Arbitrations

As an Arbitrator: 1

Arbitrator Experience
Number of Arbitrations
Acted as an arbitrator through to final award after completion of an evidentiary hearing of at least three full days regarding the substantive merits of the parties' dispute.

I am an ARIAS Certified Arbitrator in good standing and an experienced senior leader in the life reinsurance market. I began my insurance career in 1978 with the Travelers before moving over to reinsurance in 1985. I have served as CEO and a Board Member at AXA Re, XL Life Re, SCOR Global Life, Aurigen Re Life and most recently at PartnerRe Life. I am trained as an actuary (FSA), have earned the Chartered Enterprise Risk Analyst (CERA) designation and also have an MBA from Rutgers University and a Certificate in Digital Transformation from MIT Professional Education. I have deep experience in pricing, underwriting, claims, contract wording and retro.

I have been an active member of ARIAS-US since 2006.