ENTERPRISE RISK MANAGEMENT (ERM)

Luma Strategy helps insurers strengthen their Enterprise Risk Management frameworks, ensuring that risks are identified, assessed, and managed effectively across the business. Our experience includes risk registers, stress and scenario testing (including reverse stress testing), capital requirements, reserving and volatility, validation, governance, emerging risk monitoring, and support for the ORSA process.

We bring actuarial and regulatory expertise together with practical insight to enhance governance, strategy, and decision-making. Our approach ensures that ERM is not just a compliance exercise, but a practical tool that builds resilience and creates long-term value for stakeholders.