Who We Are

Bill Bade, FSA, MAAA – Principal/Consultant

Bill founded Sydney Consulting Group with a strong desire to provide client-focused actuarial, compliance, and strategic support to carriers of all sizes in the supplemental benefits industry.

Bill has been successful at every stop throughout his career, earning distinguished honors such as The Allstate Corporation’s Chairman’s Award, The Allstate Corporation’s Volunteer of the Year, Allstate Benefits Employee of the Year, Outstanding Senior Math Major, and one of a select number of college students awarded a Research Experience for Undergraduates at Worcester Polytechnic Institute.

Bill most recently completed a three-year employment with Milliman, leading Accident, Cancer, Critical Illness, and Hospital Indemnity pricing as well as a competitive intelligence team.

Kamran Malik, ASA, MAAA – Consultant

Kamran was most recently a Consulting Actuary at Wakely Actuarial, providing and managing actuarial services for Accident, Critical Illness, Hospital Indemnity, Long Term Care, and Medicare Supplement products. Prior to Wakely Actuarial, Kamran worked at Universal American Corporation (Director of Product Pricing), Anthem, FarmBureau Insurance Company, and Conseco. Kamran’s unique experience covers over 23 years in the insurance industry.

Kamran holds a Bachelor of Science (B.S.) degree in Mathematics from the University of Nebraska – Lincoln, and currently serves on the Supplemental Health, DI, and LTC Conference Planning Committee.

Andreea Savu, FSA, MAAA – Consultant

Andreea was most recently a Vice President and the Principal Financial Officer for Aflac US. In that role she was responsible for Aflac US overall P&L results, to include directing financial strategy, planning and forecasts, and reporting directly to the President of Aflac US. She created and led the FP&A division, as well as the Analytics Center of Excellence for Aflac US. As such, she was responsible with identifying, analyzing, and reporting on trends and opportunities for expansion as well as projections of future company growth and profitability. She also established the foundation for Big Data and Artificial Intelligence capabilities, including data infrastructure (EDP, MDM), data visualization (Command Center), data governance (data glossary, ISO certification), analytics training (CRISP DM), and machine learning projects (Hackaton, sales forecast, lead optimization, suggestive selling, “at risk” retention).

Prior to her FP&A role, Andreea spent 8 years in the actuarial department of Aflac Group (formerly Continental American Insurance Company) and was involved in all of the company’s actuarial functions: valuation, pricing and product development, product management, and underwriting. She served as Appointed Actuary for Aflac Group in 2011 and 2012.

Gary Stere, J.D. – Consultant

Gary was most recently Senior Vice President and General Counsel at Allstate Benefits, providing and managing legal/compliance services while supervising a team of 32 professionals. Gary oversaw regulatory compliance, dispute resolution, insurance product form development and regulatory filing, contract negotiation, corporate acquisitions, and litigation management. Prior to Allstate Benefits, Gary worked at the law firm of Marks, Gray, Conroy & Gibbs P.A. and was a Military Officer (attorney) with the United States Army assigned to both US and overseas locations.

Gary holds a Bachelor of Arts (B.A.) degree in Political Science from DePauw University, a Juris Doctor from Emory University School of Law, and an MBA from the University of Colorado – Colorado Springs.