Teresa is Director and Senior Actuarial Analyst with primary responsibility in developing loss costs. She contributes to all actuarial-related functions at MSO, having over 32 years of experience. Teresa has experience with ratemaking, rate adequacy, collateral reviews, and product modeling.

Teresa held actuarial positions at Insurance Services Office (ISO), Continental Insurance, and Reliance Insurance Company, and has experience with Medical Professional Liability, General Liability, Property, and Workers Compensation lines of business.

Teresa holds a Bachelors’ degree in Mathematics from the State University of New York at Binghamton, and has passed Casualty Actuarial Society (CAS) exams 1, 2, 3a, 3b, 3c, and 5B.