Carole Bernard was with the Statistics and Actuarial Science department at the University of Waterloo from September 2006 to December 2014.Carole graduated from Ecole Normale Supérieure de Cachan ( France). She obtained her Ph.D. in Finance from ISFA (Institute of Financial and Actuarial Sciences) in Lyon (France) in 2005 on the subject of "Valuation of Guarantees in Insurance and in Finance using the Option Theory". Her research interests are in actuarial science, theoretical economics and finance. Carole has published articles in leading international journals, such as Journal of Risk and Insurance, Geneva Papers on Risk and Insurance, North American Actuarial Journal, Insurance, Mathematics and Economics, European Journal of Operational Research and Mathematical Finance among others. Some of her papers have received awards such as the 2006 NAAJ best paper award, the 2011 EGRIE (European Group of Risk and Insurance Economics) Young Economist Best Paper Award, the 2012 Johan de Witt prize from the Dutch Actuarial Society and the 2014 PRMIA award for Frontiers in Risk Management Award at the 2014 Enterprise Risk Management (ERM) symposium.