Enterprise Risk Management (ERM) and ORSA


In an increasingly complex business environment, managing risks effectively is critical to sustaining growth and resilience. At RJ Actuaries and Consultants, we offer holistic Enterprise Risk Management (ERM) solutions that help organizations identify, assess, mitigate, and monitor risks across all areas of operations.

Our Enterprise Risk Management Services
We provide a comprehensive suite of actuarial services, covering insurance risk, capital management, reserving, reinsurance, and financial condition reporting.


Risk Identification and Assessment
Comprehensive risk audits to pinpoint potential threats and vulnerabilities within your organization, including operational, financial, and market risks.
Key Benefits
- Enterprise-wide risk mapping & profiling
- Financial and operational risk assessment
- Industry-specific risk benchmarking

Risk Modeling and Mitigation
Develop predictive models to evaluate risk exposure and design mitigation strategies that safeguard business operations and financial stability.
Key Benefits
- Stress testing & sensitivity analysis for financial stability
- Predictive risk models for business continuity planning
- AI-powered forecasting for risk mitigation strategies

Alternative Risk Transfer Consulting
Expertise in structuring alternative risk transfer mechanisms, such as captive insurance, to manage risks effectively and economically.
Key Benefits
- Compliance with UAE & GCC regulatory frameworks
- Risk governance policies aligned with ISO 31000
- Internal audits & regulatory risk reporting

Risk Monitoring Frameworks
Implementation of robust risk monitoring systems to ensure ongoing assessment and adaptation to changing risk landscapes.
Key Benefits
- Business continuity planning & disaster recovery
- Cyber risk assessments & IT security strategies
- Credit & liquidity risk management for financial institutions

Scenario Analysis and Stress Testing
Evaluate organizational resilience through detailed scenario planning and stress testing for worst-case events.
Key Benefits
- Enterprise-wide risk dashboards for real-time monitoring
- Custom risk reports for stakeholders & regulatory bodies
- Continuous risk assessment & early warning systems
Why Chose RJAC ?
Safeguard your business with data-driven risk management strategies!


Proactive Risk Management
Stay ahead of emerging risks with customized frameworks and actionable insights.


Expert Guidance
Benefit from RJAC’s actuarial and data-driven expertise to enhance your organization’s risk profile.

Tailored Solutions
We understand that every business is unique, and our solutions are designed to align with your specific risk appetite and strategic goals.
Key Outcomes for Clients
- Minimized financial and operational exposure to risks.
- Enhanced resilience against market fluctuations and external uncertainties.
- Confidence in regulatory compliance and governance standards.

Actuarial Consulting in UAE | Dubai | Abu Dhabi | Actuarial Valuation
ERM is a structured approach to identifying, analyzing, and mitigating risks across all business functions to protect financial and operational stability.
It enables companies to comply with regulatory frameworks, improve decision-making, and safeguard against financial, strategic, and operational risks.
Industries such as banking, insurance, healthcare, manufacturing, and real estate gain significant value from implementing robust risk management frameworks.
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