Zohair is a principal and consulting actuary with the life insurance consulting practice of the Seattle office of Milliman. He joined the firm in 2007. Zohair has extensive experience in the fixed annuity and variable annuity spaces and specializes in helping clients develop models to support U.S. statutory and GAAP financial reporting requirements. In recent years he has also worked with many companies in the areas of model validation and governance, remediation, benchmarking, mergers and acquisitions, non guarantee element analysis and stochastic modeling.

Yuan Tao is a Principal with the Actuarial Practice of Oliver Wyman and is based in Hartford. She has nearly twenty years of actuarial experience. Her areas of expertise include pricing, hedging, financial reporting and modeling for variable and fixed indexed annuities. Prior to joining Oliver Wyman in 2016, Yuan was an Assistant Vice President and Actuary at MassMutual, where she held positions leading pricing and hedging of variable annuities. Yuan also spent nine years in annuity product development and hedging with other carriers prior to joining MassMutual. Yuan holds a B.A. in Statistics from Renmin University of China and an M. Math. in Actuarial Science from University of Waterloo in Canada. Yuan is a Fellow of the Society of Actuaries, a Member of the American Academy of Actuaries and a CFA® charterholder.