Our Leaders

Joel Perlado


Joel is a Partner of JPWALL, based in the Philippines, having joined the firm in 2015.

With more than 20 years of extensive experience in different fields of actuarial work, Joel has consistently been a leader of results-driven teams in both local and multinational insurance and consulting companies. He is distinguished by his commitment on meeting customer expectations while maintaining a collaborative work and learning environment between his teams and their internal and external clients.

As the Chief Risk Officer of AXA Philippines, he has overseen the management of insurance, financial, investment and operational risks of the company. He led the development and implementation of a best practice Enterprise Risk Management framework and capability, thereby, promoting a sound, open and pro-active company-wide risk culture. He helped in working on the company’s Capital Management Standards, Strategic Asset Allocation, Asset-Liability Management, Credit Analysis and Strategic Planning and Valuation. Further emphasizing the role of risk management in the company, he sat as a member of a number of local, regional and board committees on risk management, investments, product development, operations, compliance and audit.

His work as a Consulting Actuary of Towers Watson Philippines has further strengthened his enthusiasm in collaborating with different companies and his view on how important client-consultant relations are, as he managed projects with local and international clients on pension valuation, benefit optimization and long-term incentive program. He was also a presenter at actuarial pension and employee benefit seminars, translating key concepts into business language with emphasis on its impact on company financials and how these fit the overall company benefit philosophy. He has also actively participated in the Company’s Business Development and Planning Committee, providing inputs to strategies for generating new business opportunities, and identifying gaps and introducing process improvements for enhancing profitability.

Since joining JPWALL, Joel has certified a number of reserve valuations of non-life companies as required by the Insurance Commission.

Joel earned his designation as Fellow of the Actuarial Society of the Philippines last 2004. He has also been accredited by the Insurance Commission as a certified non-life actuary. He graduated cum laude from the University of Santo Tomas with a degree in Mathematics major in Actuarial Science.