David Downie, Group Chief Actuary, Embark Group
David has over 30 years of experience in Actuarial Consultancy mainly with James Hay and Rowanmoor where he has remained a Director. He is responsible for all actuarial services provided by Embark including holding the appointment of Scheme Actuary to several Defined Benefit Schemes. He also advises several Pre-Paid Funeral Plan Trusts and pioneered the concept of the defined benefit small self-administered scheme (DB SSAS) under the Post A-day simplification landscape.