Ruth is an Associate Director in the Insurance division at Moody’s Analytics, where she works within the Scenario Generator Advisory Services team. Ruth leads advisory services for clients using the Scenario Generator within their capital modelling and valuation functions. In this role, Ruth has gained a broad understanding of the challenges facing insurers, in particular, the challenges posed by regulatory capital regimes and IFRS 17. Ruth has supported a wide range of life and general insurance clients in the implementation of the ESG and the delivery of bespoke modelling and calibration solutions. Ruth is a Fellow of the Institute and Faculty of Actuaries, and holds a MSci in Mathematics from Glasgow University.