Global Financial Solutions Leadership

Lawrence S. Carson is Executive Vice President of the Global Financial Solutions (GFS) unit of Reinsurance Group of America, Incorporated. GFS is responsible for RGA’s asset-intensive, capital-motivated, and bulk longevity reinsurance businesses, collaborating worldwide to support client capital needs with customized reinsurance solutions. Larry is a member of RGA’s Executive Committee.

Most recently, Larry was Executive Vice President and Chief Actuary of GFS, where he oversaw all aspects of pricing and risk management. Before joining RGA in 1999, he was with the actuarial firm of Milliman and Robertson (now Milliman Inc.), where he worked on demutualizations, mergers and acquisitions valuations, and market conduct class-action settlements. Previously, he was with Equitable Life Assurance Society, where he held several actuarial positions.

Larry received a Bachelor of Arts (A.B.) degree in mathematics with honors from Harvard University. He is a Fellow of the Society of Actuaries (FSA). He has served in various roles with the Society of Actuaries Reinsurance Section Council, was a member of the Academy’s Life Reinsurance Work Group, and has spoken at numerous industry meetings.

Dustin Hetzler is Senior Vice President and Chief Actuary in Global Financial Solutions (GFS), a unit of RGA. He oversees all aspects of pricing, risk management, and marketing and transaction services for the unit. Prior to his current role, Dustin was responsible for pricing reinsurance transactions globally within the GFS lines of  business Capital Solutions, Asset-Intensive, Longevity, Stable Value, and Acquisitions. 

With more than 28 years of reinsurance and insurance actuarial experience, Dustin has served in positions with various actuarial and management responsibilities. These responsibilities include strategy, risk management, pricing, valuation, product development, talent development, and marketing. Some specific areas of extensive involvement for Dustin include reinsurance solution construction, longevity, economic capital model development, treaty negotiation, and asset and liability model construction. These roles and responsibilities cover life, health, and annuity products both domestically and internationally.

Dustin received a Bachelor of Science (B.S.) degree in mathematics from Iowa State University. He is a Fellow of the Society of Actuaries (FSA) and a Member of the American Academy of Actuaries (MAAA).

Gaston Nossiter, Senior Vice President, Global Financial Solutions, leads and manages the initiation and placement of reinsurance transactions pertaining to non-traditional initiatives in RGA’s Asia Pacific region. He is located in the Asia Pacific regional office in Hong Kong.

Gaston has nearly 20 years of experience in global financial services. He is an experienced team manager, developing and structuring innovative products and strategies to enhance risk and capital management for pension funds and insurance companies. Before joining RGA in 2009, he worked for Morgan Stanley as an advisor to senior management of life insurance companies and pension funds regarding asset and liability management, risk management, and capital management strategies to increase return on capital, enhance equity valuation, and improve credit ratings. Prior to joining Morgan Stanley, Gaston worked internationally with the consulting firm of Towers Perrin. He has worked in London, Sydney, Brussels and Tokyo, in addition to Hong Kong.

Originally from Australia, Gaston graduated from Macquarie University in 1993 with a Master of Economics. He also received an M.B.A. with distinction from the London Business School. He is a Fellow of the Institute of Actuaries of Australia (FIAA) and a Chartered Financial Analyst (CFA).

David Addison leads North American business development for the Global Financial Solutions (GFS) unit of RGA, with a focus on financial, interest-sensitive and structured reinsurance programs in the annuity, life and health markets.

In addition to these responsibilities, at various times, David has been responsible for sales of structured products in RGA’s Asia Pacific segment and led sales for RGA’s captive solutions team. He currently works in conjunction with RGA’s Healthcare Reinsurance Division to develop additional opportunities.

David has worked in the insurance and reinsurance industry for more than 25 years, joining RGA in 1999. Before joining RGA, David was Director, Strategic Development for a New York domiciled life insurer, where he participated in evaluating and closing strategic merger and acquisition opportunities. He has also been a consultant for one of the major actuarial consulting firms out of their Milwaukee office, and he started his career as an actuary for a small life insurer in Minnesota.

David received his Bachelor of Science (B.Sc.) degree (with honors) in statistics from the University of Newcastle-upon-Tyne, in Great Britain, and his M.B.A. (with honors) from Washington University in St. Louis. He is a Fellow of the Society of Actuaries (FSA). David has served on the Reinsurance Section Council and has been a frequent speaker at industry and regulatory meetings, in North America, Asia, and Europe.

George Chow is Senior Vice President, Head of Asia Pacific Regional Pricing in the Global Financial Solutions (GFS) unit of RGA. Based in Singapore, he leads a team of pricing professionals in the structuring, modeling and risk assessment of capital motivated, asset intensive and longevity transactions for the Asia Pacific region.

George has more than 15 years of reinsurance experience with RGA in a wide range of actuarial and management roles. He began his career at RGA in 2000 and has worked in the U.K., Canada, Hong Kong and Japan, with responsibilities that have included management of the pricing and valuation teams as well as providing product development and marketing support.

Prior to joining RGA, George worked for a Canadian insurance company in Canada and the U.K., where his roles included pricing pension annuities, asset liability management and providing support to the company’s demutualization.

George graduated with a Bachelor of Mathematics (BMath) degree from the University of Waterloo, in Ontario, Canada. He is a Fellow of the Society of Actuaries (FSA), the Institute of Actuaries (FIA), and of the Canadian Institute of Actuaries (CFIA). He also is a CFA charterholder. 

As Senior Vice President, Asset-Intensive, Global Financial Solutions (GFS), René Cotting leads a global team in the development of novel financial reinsurance solutions to help RGA clients respond to regulatory and market changes. The team also provides transaction structuring and pricing support. He is based in RGA’s Singapore office.

René is a seasoned finance professional with over 24 years of experience in reinsurance, investment banking, consulting, and research. He has successfully originated, structured and executed transactions in Asia, Australia, Europe, and North America. Prior to joining RGA in 2009, René was Executive Director, FI Solutions Group – Insurance for the Dutch state-owned bank ABN AMRO/RBS (Royal Bank of Scotland), serving as the head of its London desk and focusing on regulatory and economic capital optimization for both the life and non-life markets, and on life insurance product development. Before that, he was Vice President, Insurance & Weather Derivatives for ABN AMRO. René began his career with positions at Zurich Financial Services and Zurich Re.

René received his Diploma in chemistry and Doctor of Philosophy degrees from Zurich University. He also completed the International Executive Development Program at INSEAD, a graduate business school with campuses in France, Singapore, and Abu Dhabi.

As Senior Vice President, Stable Value, Karen Edgerton leads RGA’s stable value business. The team that she leads has built a block of stable value wrap business which covers over $13 billion of externally managed stable value portfolios, while also implementing an in-house developed administration system. 

Karen joined RGA in 2012 and has over 31 years of experience as an actuary in pricing and product development roles involving annuity, group insurance, and reinsurance products. Prior to joining RGA, Karen held several executive positions with insurance and reinsurance companies, including AEGON, ING Re, Swiss Re, and Lincoln Life.

Karen received a Bachelor of Science (B.S.) degree in actuarial science from Ball State University, and is a Fellow of the Society of Actuaries (FSA), a Member of the Academy of Actuaries (MAAA), and a member of the Stable Value Industry Association (SVIA).