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Sinéad Clarke

FSAI
Principal
Dublin, IE

Sinéad Clarke is a Principal and Consulting Actuary working in the Dublin office. She leads Milliman Dublin's Risk and Capital Management team.

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Experience

Sinéad has almost 20 years of experience working in the Irish insurance industry, with a wide variety of clients, including life, non-life and health insurers. She is an expert on the requirements of the Risk and Actuarial Functions under Solvency II.

Sinéad supports clients in better understanding and quantifying their risk exposures. She advises on regulatory expectations and best practice in Ireland, the UK and Europe. She is particularly interested in sustainability and climate-related risks and has supported numerous clients in assessing the materiality of climate risk exposures and updating their risk management frameworks to consider climate and sustainability risks.

Sinéad is an active member of the Society of Actuaries in Ireland (SAI) and currently sits on the SAI's Diversity Equity Accessibility and Inclusion Committee.

Publications

Read their latest work

Article

Growing Your Business in a World at Risk

10 September 2024 - by Aisling Barrett, Kevin Manning, Michael Culligan, Mike Claffey, Paul Marron, John Mulvihill, Sinéad Clarke, Alan McDonagh, Eamon Comerford
Our in-person seminar, Growing Your Business in a World at Risk, explored potential sources of growth for insurance companies, and aimed to bring some insights that might help enable growth in the industry.
Article

2024 ORSA barometer survey for insurers in Ireland

22 August 2024 - by Sandra Heaslip, Sinéad Clarke, Ada Bowler
We discuss survey results from the Irish insurance industry on the Own Risk and Solvency Assessment process, and share some feedback from respondents.
Article

Embedding sustainability within insurance governance frameworks and risk culture

19 August 2024 - by Sinéad Clarke, Sandra Heaslip
We explore how (re)insurers can embed sustainability within governance frameworks and risk culture under Solvency II, rather than doing a complete overhaul.
Article

10 years of ORSA: Is it adding value to your business?

15 April 2024 - by Sinéad Clarke, Séamus Glynn, Ada Bowler
As the Own Risk and Solvency Assessment approaches 10 years of existence, we examine whether it's adding value to Irish (re)insurers.
Article

Milliman Climate Change Reporting Barometer

02 March 2024 - by Fanny Pouget, Jeremy Payen, Joanne Buckle, Adél Drew, Sinéad Clarke, José Silveiro, Aldo Balestreri, Tigran Kalberer, Menno van Wijk
We expect the gap to close between European (re)insurers, disclosures, and TCFD recommendations as a new format for sustainability reporting starts in 2025.
Article

Climate change: No longer an emerging risk

28 April 2023 - by Sinéad Clarke, Ian O'Donnell
We review the Central Bank of Ireland’s recently issued climate-change guidelines, which provide clarity on risk management and frameworks for Solvency II .
Article

The new interest rate environment: Back to normal? – Part 3

09 March 2023 - by Maarten Ruissaard, Joost Broens, Freek Zandbergen, Rik van Beers, Sinéad Clarke, Stijn Donckers
We discuss how the increased interest rate environment creates uncertainty, affecting economic scenarios, capital requirements, and stress and scenario testing.
Article

Sustainability factors: Update to Solvency II delegated regulations

02 June 2022 - by Sinéad Clarke, Eamon Comerford
Amendments to EU regulations that take effect in August integrate sustainability risks and ESG considerations for the Solvency II risk management framework.
Article

Taskforce on Climate-Related Financial Disclosures: How can actuaries help?

18 February 2022 - by Sinéad Clarke, Erin Moorhead
The Taskforce on Climate-Related Financial Disclosures (“TCFD”) was established to develop recommendations for more effective climate-related disclosures.
Article

Climate-related risk: What are the expectations for Irish (re)insurers?

28 January 2022 - by Orlaith Lehane, Sinéad Clarke
We summarise the latest developments in Ireland and present some examples of how insurers can meet the expectations of the central bank.