Samuel V. Niles, ASA, ChFC
Actuary, Software Engineer, Chartered Financial Consultant

telephone: 508-545-1766 e-mail: sam@samniles.com web site: http://www.samniles.com/

70 Bullard Street P.O. Box 545 Sherborn, MA, 01770

BUSINESS EXPERIENCE

SVN Enterprises, Sherborn, Massachusetts. (August, 2002 - December, 2002. January, 2008 - present).
Independent Consultant, Actuary, Software Engineer, Financial Consultant
Providing Software Consulting for the Insurance and Financial Services Industries.
Designing business logic for: Insurance, Investment Banking, and Financial Accounting.
Specializing in Microsoft technologies: Visual Studio, Excel, Access, Word, and Internet Explorer.

The First Marblehead Corporation, Boston, Massachusetts. (January, 2003 - December, 2007).
Vice President, Model Development, Capital Markets (July, 2005 - December, 2007).
Responsible for financial models used in the issuance and valuation of Student Loan Asset Backed Securities.
Developed industry-leading Student Loan Financial Model.
Developed APR calculators for Compliance and Loan Operations.
Independent Consultant (January, 2003 - June, 2005).
Developed Microsoft Windows Applications, Excel Add-In's, and Microsoft Access Database Applications.

FMX Software, Natick, Massachusetts. (September, 2001 - July, 2002).
Co-Founder, Software Engineer
Designed advanced systems for delivering live internet data directly into Microsoft Excel worksheets.
Developed company web site, including server-side e-mail and automatic product-update features.

American Financial Systems, Inc., Weston, Massachusetts. (October, 1999 - July, 2001).
Software Engineer, AFS Master System (an illustration system for Corporate-Owned Life Insurance)
Developed and maintained code for IRC Section 7702 (Definition of Life Insurance), FAS 87 (Accounting for Pensions).
Published a software component (Dynamic Link Library) of high-speed Actuarial calculations for Life Insurance.
Developed business logic for the administration of non-qualified deferred-compensation plan assets and liabilities.

Sun Life Financial, U.S. National Office, Wellesley, Massachusetts. (1992 - September, 1999).
Financial Actuarial Officer, Finance Division (1996 - September, 1999).
Maintained Sun Life's proprietary Asset-Liability Model systems for U.S. businesses.
Corporate Financial Planning, Risk-Based Capital Planning, Asset-Adequacy Analysis, Actuarial Reserve Valuation.
Senior Financial Analyst, Finance Division (1994 - 1996).
Performed Asset-Liability Modeling to support participating life insurance policy dividend scale decisions.
Prepared Actuarial Memorandum for the U.S. Branch of Sun Life.
Actuarial Assistant, Finance Division (1992 - 1994).
Developed disability insurance claim experience study system (SAS database software).
Maintained disability insurance cash flow projection model (APL programming language).

The Paul Revere Insurance Group, Worcester, Massachusetts. (1988-1992).
Actuarial Assistant, Individual Disability Insurance Product Development.
Analyzed profitability of individual disability products; recommended premium rates for new and existing products.

Commerzbank AG, Düsseldorf, Germany (Summer Internship, 1987).
Cashier's Assistant, Currency Exchange Division.

EDUCATION / PROFESSIONAL CREDENTIALS

American Society of CLU & ChFC, Chartered Financial Consultant (ChFC), 1995.
Society of Actuaries, Associate of the Society of Actuaries (ASA), 1991.
Hamilton College, Clinton, New York, A.B. Magna Cum Laude with Honors in Math (Minor in Economics), 1988.
The Hotchkiss School, Lakeville, Connecticut. High School Diploma, 1984.

COMPUTER SOFTWARE SPECIALTIES

Microsoft Visual Studio (Visual Basic) .NET Framework applications for desktop and web.
Microsoft Visual Basic for Applications (VBA): Excel, Word, Access, Outlook, Internet Explorer.
Web technologies: HTML, CSS, VBScript, ASP.NET, XML, XSLT, XPath.
Other technologies: SQL, SAS, APL (A Programming Language).