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Exponens
Risk & Insurance

Risks & Insurance: preventing risks
& securing performance

Innovative companies know that risk management is a source of competitive advantage. By managing risks, you can secure your company’s performance and create value.

Our dedicated team of risk managers, IT experts, chartered accountants, auditors, brokers and actuaries is able to conduct an in-depth analysis of your risks and advise you on how best to prevent them.

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Audit of the

risk management

Our Risk Management department will deploy strategies to secure your business. Using state-of-the-art data and analysis, we identify risks, measure them, and implement appropriate mechanisms to prevent them more effectively.

Our customised approach is tailored to the size, culture and specific context of your organisation. To reduce the frequency and intensity of your risks, we define effective and long-term action plans according to your priorities.

Risk mapping

We identify the risks to be addressed as a priority, i.e. those that are the most probable or the most significant. We will then assess these risks using a methodology that measures them on the basis of a hierarchical scale of frequency, impact and control factors. The next step is to generate a map in a visual format that is appropriate to the structure of your organisation. Each risk will be described in a sheet explaining the systems put in place to control it and the actions to be implemented.

Preventing fraud

We will analyse the risks of fraud, corruption and money laundering in your organisation. We will assist you in strengthening the security of your information systems and will set up anti-fraud measures in conjunction with you.

In the event of suspected or proven fraud, we can conduct an investigation for you. We can also provide training on fraud and internal control.

Internal control

We will assess your internal control systems. After meeting your teams and integrating your corporate culture, we will draft policies and procedures formalising your method of operation and incorporating our recommendations.

We can offer you tools to put in place and guide you to enable your teams to appropriate them.

We can also assist you in preparing your Business Continuity Plan, Information System Recovery Plan and Crisis Management Plan.

Internal audits

We will assist you in developing and strengthening your internal audit function. Our aim is to improve existing methodologies and tools. We can also prepare the communication materials to be provided to the Audit Committee. In addition, we can perform audits on behalf of your department.

Insurance audits

We offer an insurance contract audit service, interviewing a large panel of insurers if contracts are not or no longer adapted to the reality of your risks, presenting our customers with adapted and negotiated offers, and monitoring their suitability over time.

Our aim is to provide the best possible coverage for your business and professional activities, at the lowest possible cost.
We are committed to providing annual monitoring of our customers’ insurance contracts, based on their accounts and social balance sheets.

Auditing your risks

A comprehensive, scalable system tailored to your business activities and needs will help you control risks and secure your performance.

Protecting you as a manager

As a business owner or manager, you are exposed to a variety of risks.
Some insurances are compulsory, others optional, but are nevertheless strongly recommended.

Protect your work tools

Your work tools, and more broadly your business, are exposed to various risks that can jeopardize the continuation of your activity.

Protecting your employees

A number of insurance solutions are available to help companies protect their employees against illness and accidents, and improve their retirement.

Motivate your employees

There are a number of flexible, adaptable insurance solutions available to motivate and retain employees, whatever their size.

Actuarial services for companies and

public bodies

Our actuarial department calculates social commitments and offers you its expertise in all areas: provident, health, long-term care, retirement, liability and property & casualty.

We master all the products offered on the French personal and property and casualty insurance market.

Setting up and monitoring insurance plans

We support you in harmonizing plans, defining your needs and calibrating target plans, whether you’re setting up or renegotiating.

We can help you set up a competitive bidding process, after defining your specifications with you.

We work with you to define the criteria for analyzing bids and their weightings, then help you to analyze bids, negotiate and set up new contracts.
We also advise and support you in monitoring your existing contracts.

Social liabilities

Each year, we calculate a large number of commitments relating to retirement and end-of-career indemnities, long-service awards, bonus share plans, stock options and other employee-related liabilities.

After validating your data and comparing it with that of the previous year, we perform these calculations according to your requirements, using French, International Financial Reporting Standards (IFRS) or USGAAP.
If necessary, we fill in the pension quest with the calculated data.

Our report is signed by a certified actuary and is written in English or French, depending on your requirements.

Improving data quality

We offer tools to make your data more reliable, once you’ve discovered that it’s not being used to its full potential.

Our approach is to identify the strategic data you want to make reliable, and to build a data dictionary with definitions shared by all; then to implement these definitions in your databases and reporting tools.

You’ll be able to secure your operational management and strategic decision-making with coherent, consistent data that meets the needs of different users.

Training

If you are a CFO, HRD or employee representative, we offer a catalog of training courses on a range of actuarial topics: employee liabilities, health insurance, provident insurance, retirement, employee savings, civil liability…

Actuarial services for insurance companies

We work with all types of insurance companies: insurers, provident institutions and mutual insurers, and we know how to adapt to their specific needs.
We offer our expertise in auditing, consulting and training in all technical and actuarial fields.

We provide insurers with technical and organizational support in all areas of activity: offering, underwriting, claims, asset management, processes, etc. in both personal and property & casualty insurance.

Product creation

Our actuaries can support you at every stage in the creation of a new product: product definition, product creation, underwriting, launch and follow-up.

Provisioning

Exponens’ actuaries audit and verify the calculation of technical and mathematical reserves.
The first step is to study the documents and methods used to calculate reserves.
We then carry out consistency checks and verify the validity of the information.

Solvency II

We can help you meet your Solvency 2 obligations.
Modeling and auditing, regulatory calculations, narrative reports, key functions, regulatory statements… the actuaries of the Exponens group have developed comprehensive expertise in these regulations, guaranteeing the coherence of your entire system.

Rates

When responding to invitations to tender from public authorities, insurance companies have to provide tailor-made solutions.
It’s important for insurance companies to offer a rate that reflects the reality of the market.
We calculate the theoretical rate, the commercial rate, based on the specifications and your loads.

Training

We offer a catalog of training courses on a variety of actuarial topics: calculation of technical and financial profit and loss accounts, actuarial techniques in group provident and health insurance, administrator liability, actuarial key functions, etc.

Discover the complete catalog on: https: //www.aprecialis.fr/formation/

Retirement

Our experts enable you to compare and simulate your retirement at different retirement ages.
This visibility enables you to implement solutions to optimize your pension, with our help.
Last but not least, we enable you to check the amounts paid out.

Reviews

We offer tailor-made retirement assessments.
After defining your expectations and objectives with you, we validate the reconstruction of your career and calculate the amount of your future pension under the compulsory, supplementary and additional schemes to which you have contributed.

Improving your retirement

We then suggest strategies for optimizing your retirement date and pension amount: buying back quarters (option A and option B), bonus-malus, studying spousal rights, choosing annuity options for supplementary schemes…

Liquidation

We support you in your retirement application.
We monitor the progress of your file throughout the entire process, and support you in responding to requests for clarification from the various pension funds.
We check the amounts paid and take the necessary steps to request corrections in the event of error.

Contact our associate experts

All our expert partners
Partner, Chartered Accountant and Statutory Auditor
Master’s degree in Management Sciences from Paris XII University
+33 (0)1 85 34 16 57
nathalie.lutz@exponens.com

Nathalie Lutz preforms legal and contractual audits of listed and unlisted groups. She has developed a specialisation in life insurance, property and casualty insurance, personal insurance, as well as in professional organisations.

She also coordinates the IS Audit, Internal Control and Financial Compliance activities of companies subject to AMF supervision.

Nathalie Lutz is Vice-President of the Development Commission of the National Board of Statutory Auditors (CNCC), as well as a member of the insurance Commission and delegated quality controller of the CNCC.

Within Exponens, Nathalie is a member of the Executive Committee and the Quality & Ethics Committee.

Nathalie Lutz



See CV

Partner, Head of Risk Management and Insurance, Certified Actuary
Graduate of École Polytechnique and the National School of Statistics and Economic Administration (ENSAE)
+33 (0)1 70 64 08 14
philippe.delerive@exponens.com

Philippe Delerive began his career with UAP in corporate pensions and then transferred to UAP’s Group Policies Department as technical manager of personal protection and health plans. In 1998, he joined AXA France’s Health Innovation Department and contributed to the health experimentation project and, in 2001, became AXA Courtage’s Technical and Financial Director for the retail and business market. In 2002, he joined GAN Assurances as Head of Personal Insurance before successively becoming Head of the Paris-Centre-Picardie region in 2007, Deputy CEO in 2011 and finally Chief Executive Officer of GAN Assurances from 2012 to 2016.

In 2017, he joined Exponens as a partner and became head of the Risk and Insurance Department.

Within Exponens, Philippe is a member of the Executive Committee and the Quality & Ethics Committee.

Philippe Delerive

See CV

Sophie Breton

Partner, Chartered Accountant
Graduate of SKEMA Business School Nice

+33 (0)1 49 29 55 38

Paris Gare de Lyon

langues

Sophie Breton joined Exponens in 1994 after two years with KPMG. After taking charge of chartered accountancy assignments in a variety of fields, she set up the real estate department in 2005, providing accounting and tax assistance (bookkeeping, auditing, reporting, tax compliance, due diligence, etc.) for French and foreign real estate companies and investment funds.

In 2008, she initiated the development within the Exponens group of specific expertise in OPCI accounting, which today enables her to offer a range of services specifically dedicated to this type of real estate vehicle. Sophie Breton regularly runs professional training courses on this subject, and participates in the work of the accounting committee of the Association Française des Sociétés de Placement Immobilier (ASPIM).

Within Exponens, Sophie is a member of the Quality & Ethics Committee.

Here is the high-end advice.

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Our experts will be happy to answer you.

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