Esperanza ("Espy") is Actuarial Factor’s Principal and has over 24 years of actuarial experience. She is a Fellow of the Casualty Actuarial Society, a Fellow of the Society of Actuaries, a Member of the American Academy of Actuaries, and a Distinguished Toastmaster.  She has extensive experience in property and casualty, personal and business, accident and health, and life in the United States, Latin America, and the Caribbean.  She also has specialty business experience with niche consumer products such as wireless, personal property, vehicle service contracts, extended service contracts, dwelling, antique auto, identity theft, and mobile home. 

Just prior to founding Actuarial Factor located in Miami, Florida, Espy worked as Vice President, Chief Actuary of Latin America in Chubb, where she managed a staff of 23 actuarial professionals responsible for supporting Latin America.  Her past employment also includes Assurant Group where she managed a staff of 17 actuarial professionals responsible for supporting all states in the United States or Latin America.


  • Loss reserving

  • Product pricing

  • Rate filings

  • Portfolio management

  • Profitability analyses

  • Captive feasibility studies

  • Expert testimony

  • Peer reviews

  • Mergers and acquisitions

Esperanza Borja Mead, FCAS, FSA, MAAA