MOK, Vincent
BSc in Risk Management Science
Reinsurance Group of America



I was honoured to have the opportunity to work for the Reinsurance Group of America as an actuarial intern in the product development team. This reinsurance company provides new business solutions to clients. During my internship, I assisted my team with new business development initiatives, which provided me with valuable experience.

First, my major task as an intern was to provide actuarial support for product development initiatives. I calculated the incidence rate of the new benefit that we proposed and produced the distribution for the insured across different issue ages. Then, I used the incidence rate to determine the net amount at risk and maximum limit of the quotation and to draft the pricing document for the quotation team. I also was able to develop a prototype for a new insurance product targeted at young professionals, which was the biggest challenge that I faced during my internship. I had to determine the needs of young professionals and suggest a solution for them. It took me almost a month to set up the product features and pricing direction for the team. In addition, I conducted research on modelling new business ideas and helped the local pricing team to validate assumptions regarding critical illness. Last, but not least, our team members gave me a lot of support throughout my internship, and I was pleased to work with them.

The RMSC programme has equipped me with solid knowledge of statistics, actuarial science, and finance, which played an important role in my ability to gain this internship opportunity as survival functions, probability theory, and the time value of money are frequently used in pricing. Therefore, I am grateful to be a student at RMSC, which provided me with strong support during my internship journey.



ZHANG, Trix
BSc in Risk Management Science
Deloitte



I joined Deloitte HK Risk Advisory Cyber as an intern in the Architect & Engineering Team. During my internship, I assisted in various projects ranging from a technical review of a client’s network infrastructure via independent assessment to remediation of a client’s internal governance on information security risk management through policy design. While giving my recommendations based on the findings from my assessment, I genuinely felt that I was assisted by the risk management mindset I gained during my undergraduate education as an RMSC student.

Working in this division involved assessing clients’ cybersecurity risks, developing strategies to mitigate those risks, and implementing cybersecurity solutions, which are the core concepts of risk management as I had learned since the very beginning of my RMSC coursework. As in any job, working at Deloitte Risk Advisory Cyber had its own unique sets of challenges and rewards. The work was fast-paced and challenging and required a high level of attention to detail and up-to-date cybersecurity information. However, the benefits I have gained cannot be neglected. They include exposure to a variety of industries (from local banks to overseas technology companies or even luxury brands), opportunities for professional growth, and the ability to make a positive impact by helping clients to safeguard their valuable data. Besides, Deloitte also provides a platform for employees’ global knowledge exchange, as well as support for certificate-related training.

Risk management science provides a framework and methodology for assessing and managing risks in a variety of contexts, including cybersecurity. By applying risk management principles and techniques to cybersecurity, I can better understand and manage the risks associated with information systems and data. These skills allow me to assist clients to make informed decisions about how to allocate resources and prioritise cybersecurity initiatives.

Throughout my internship, I not only gained cyber knowledge from the company and my beloved colleagues but also realised how important and necessary risk management is in every field, not only in quantitative finance. I’m grateful to be able to study in my faculty and to have been given the chance to work at Deloitte and actually assist a real business using what I have learned.



YE, Benny
BSc in Quantitative Finance and Risk Management Science
Goldman Sachs



This summer, I joined the Asset Management Division of Goldman Sachs as a summer intern as a member of the Global Client Business Team, which mainly distributes short-duration and money market products to institutional clients. During my workdays, I assisted in drafting portfolio review slides, market landscape research, and macroeconomic summaries. In this dynamic environment, I was able to work with talented people in different teams and learn new things every day. During my summer as an intern, I found that the QFRM programme has enhanced my level of technical knowledge required to understand the financial products and equipped me with the data analysis skills needed to analyse fund flow data to provide industry insights and the ability to learn quickly under pressure. 



LI, Tracy
BSc in Quantitative Finance and Risk Management Science
BNP Paribas



During my internship at BNP Paribas in the areas of asset finance and securitisation, I received robust on-the-job training that enhanced my financial modelling and IT skills. I constructed cash flow projection models, assessed risk through quantitative analysis, and innovated tools for process automation. My QFRM training laid a solid foundation that enabled me to understand vital concepts such as financial products, cashflow calculations, and basic simulation methods. I was able to apply this knowledge and synergise my business, finance, and coding skills during the internship. Looking back, I deeply appreciate the well-structured curriculum and strong network of the QFRM programme, which enabled me to seize this internship opportunity and equipped me with sufficient knowledge to succeed in this role. This internship experience has ranked among the most unforgettable moments of my university studies.