2015年养老金40：Amy Kessler

艾米凯勒长期以来一直是风险转移交易的福音师，其中养老金将负债转移给像她的雇主这样的保险公司，谨慎的财务。现在她相信她的工作正在偿还。虽然她仍然是养老基金的倡导者，但她们也在推动个人来了解自己的长寿风险以及它对他们的财务计划的意义。“十年前，没有人真正了解养老基金面临的长寿风险，”Kessler，48。“今天人们实际上得到了它。人们生活更长寿，这很棒，但这也是赞助养老金计划的公司的一个非常重要的财务义务。对于没有养老金计划的人，这是一个非常重要的财务考虑，因为他们准备他们自己退休。“This year Timken Co. and Kimberly-Clark Corp. bought group annuities from Pru, which also signed its first deal to provide longevity reinsurance to the U.K.’s Pension Insurance Corp. Kessler is working with companies to layer a longevity-risk strategy on top of what the industry calls liability-driven investments, which are designed to manage volatility and risk. Without a longevity-risk strategy, she explains, companies aren’t building in enough upside to cover people’s longer lives. Kessler’s global perspective is helping U.S. companies look beyond their domestic peers. “There are global multinational companies that are de-risking, so now activity in Europe becomes directly relevant to anyone in that peer group,” she says. “We’re trying to help people see the connection between their corporate finance good health and their pension fund.” Kessler spent 17 years in capital markets at Bear Stearns Cos. and Lazard. She joined Pru in 2009 and has led $34 billion in international reinsurance transactions for organizations including British Airways and Rolls-Royce Holdings. Last year she worked on the largest-ever longevity-risk transfer, for the BT Pension Scheme. Kessler is now leading the launch of reinsurance for pensions in Canada and the Netherlands.