忠誠保險（Fidelidade – Companhia de Seguros, S.A.）是歐洲歷史最悠久的保險公司之一。忠誠保險是由 Fidelidade-Mundial 及 Império-Bonança 兩間保險公司合併而成，其公司起源於1808年。
忠誠保險自1999年起在澳門特別行政區開始發展人壽保險（包括私人退休基金）及非人壽保險業務。在澳門，忠誠保險積極為客戶提供最多元化的保險服務及為個人及企業客戶提供最佳的保障方案。
Fidelidade – Companhia de Seguros, S.A. (hereinafter referred to as “Fidelidade”) is one of the oldest insurance companies in Europe. Fidelidade arises from the merger between two insurance companies, Fidelidade-Mundial and Império-Bonança whose origins date back to the year 1808.
In the Macau SAR, Fidelidade is duly authorized to perform insurance activities through two branches for life (including private pension funds) and non-life insurance businesses since 1999. Fidelidade has been servicing Macau with a diversified range of solutions for the protection of individual customers and companies.
Know more about us 了解更多: https://www.fidelidade.com.mo/
職位空缺 OPEN POSITIONS
理賠部 - 高級經理 Claims Department - Senior Manager
Ref. no.: FM.04.022026
職位內容 Responsibilities
處理人壽和非人壽業務的理賠
負責實施、維護和監控所有理賠結算流程，確保符合公司標準和程序
監控和控制所有理賠結算，確保為未決理賠支付預留充足資金，以維持公司償付能力
評估理賠情況，並向管理階層提出支付建議
監控理賠趨勢，並向高階管理層和其他部門提供必要的統計資料和報告
向保險管理機關提交統計報告，例如員工賠償保險、汽車保險和醫療事故保險等的索賠資料
指導外部專業人員（如理賠員、勘察員和律師）處理保險範圍、調查和最終理賠事宜，包括直接參與理賠結算中的法庭/調解和仲裁
採取一切可能的追償途徑，包括及時向被保險人追回免賠額，並管理代位求償活動
定期檢討準備金設定政策，確保其充足
發起和/或參加禮節性拜訪，與重要業務夥伴會面
制定並向所有理賠人員實施理賠指南/理賠手冊
定期檢視理賠管理政策和程序，確保其充分性和效率，並定期更新理賠手冊
為理賠人員提供培訓
開發/改進理賠系統，以確保公司在處理理賠的有效性和效率
定期監控理賠服務標準
Claims Handling in both life and non-life business
To implement, maintain and monitor all claims settlement of portfolio to ensure compliance with company standards and procedures
To monitor and control all claims settlement to ensure adequate provision is made for outstanding claims payment for solvency
To evaluate, and make recommendations on Claims Settlement if claims to management
To monitor trends in claims and provide necessary statistical information and reports for senior management and other departments
Preparation of statistical report to the insurance authority, i.e. claims data of Employees Compensation Insurance, Motor Insurance and Medical Malpractice Insurance, etc.
To provide instruction to external professionals like adjusters, surveyors and lawyers with respect to coverage, investigation and ultimate settlement including direct participation in court/mediation and arbitration in claim settlement
To pursue all avenues of recovery including timely recovery of deductibles from insured and to manage subrogation activities
To review policy on setting reserves on a regular basis to ensure adequacy
Initiating and /or attending courtesy visits to meet with important business partners,
To develop and implement claims guidelines/claims manual to all claims staff
To review policy and procedure regarding claims management on a regular basis to ensure adequacy and efficiency and to update claims manual on a regular basis
To provide training for claims staff
To develop /revamp claims system to ensure company’s effectiveness and efficiency in handling claims
To monitor claims services standard from time to time
職位要求 Requirements
大學畢業或以上學歷
10 年以上理賠管理經驗
良好英文及中文的溝通及書寫能力
良好電腦操作技能及文書處理能力，尤其Word 及Excel
優秀的溝通及人際交往能力
良好的分析及理解能力
以客戶為先、積極主動
細心、主動、獨立，並能在壓力下工作
熟悉保險產品和相關法律知識
University graduate or above
10 years’ experience in claims management
Good command of spoken and written English and Chinese
Good knowledge of PC applications, especially Word and Excel
Effective communication and interpersonal skills
Good analytical and comprehension skills
Customer-oriented, pleasant personality
Detail-oriented, proactive, independent, and able to work under pressure
Familiar with insurance products and legal knowledge
精算部 - 高級精算師 Actuarial Department - Senior Manager, Actuarial
Ref. no.: FM.03.022026
職位內容 Responsibilities
監督整個產品和精算功能，工作重點如下:
編製精算估值報告
協助上級管理公司的精算職能
確保專案按時、按預算並達到所需的品質標準完成。
為產品審批委員會和高級管理層提供戰略性的精算建議
制定和實施公司政策和程序
確保精算工作符合監管要求和法規
帶領公司精算團隊並提供指導和培訓
預測金融趨勢並分析相關風險
持續關注和分析保險業的發展趨勢
作為管理層去提供戰略規劃和參與決策制定
監督、制定和批准定價模型、費率建議和產品獲利能力分析
Oversee the whole product and actuarial functions with the following focus:
Preparation of actuarial valuation reports
Assist the supervisor actuarial functions of the company
Ensure that projects are completed on time, within budget, and to the required quality standards
Provide strategic actuarial advice to the product approval committee and senior management
Develop and implement company policies and procedures
Ensure compliance with all regulatory requirements
Lead the actuarial team and provide guidance and training
Prepare financial forecasts and analyze financial risks
Monitor and analyze trends in the insurance sector
Participate in strategic planning and decision-making at executive level
Oversee, develop, and approve pricing models, rate recommendations, and product profitability analysis
職位要求 Requirements
澳門居民
8年以上的非人壽保險精算從業經驗，以及至少5年以上擔任高級精算職位
擁有以下專業精算資格：英國精算師 (FIA)、澳大利亞精算師 (FIAA)、北美精算師 (FSA) 或其他與上述專業精算組織相當及被澳門金融管理局所認可之資格
在產品開發方面擁有豐富的經驗
大學畢業或更高學歷，主修數學、精算學或統計學專業等相關範疇
具備英文及澳門特別行政區任一種正式語文(葡文或中文) 書寫和口語能力
Be a Macau SAR Resident
8 + years of experience in non-life actuarial and at least 5 years of professional experience as a senior actuary
Fellow of the Institute and Faculty of Actuaries, United Kingdom (FIA); or Fellow of the Institute of Actuaries of Australia (FIAA); or Fellow of the Society of Actuaries, United States of America (FSA), or a qualification that may be accepted by the AMCM if it is comparable to those previously mentioned
Solid experience in product development
Higher education in Mathematics, Actuarial Science or Statistics
Ability to communicate in English and at least one of the official languages (Portuguese or Chinese) (written and spoken)
商務部 - 助理主任/主任 Commercial Department - Assistant Officer / Officer
Ref. no.: FM.01.122025
職位內容 Responsibilities
負責處理商務部的日常工作
與客戶合作夥伴建立並保持良好的關係
推廣保險產品推動銷售
為客戶合作夥伴提供優質和專業的客戶服務
及時回應客戶合作夥伴查詢
與內部保持緊密合作，確保提供優秀的服務
Support the daily operations of the Commercial department
Build and develop relationship with clients, intermediaries and partners
Promote insurance products to drive sales
Deliver quality and professional customer service
Respond to client enquiries in a timely manner
Liaise and work closely with back office to ensure excellence in service delivery
職位要求 Requirements
大學畢業或以上，主修財務、金融或相關範疇
具保險產品銷售經驗優先
良好中英文書寫及溝通能力 (懂普通話優先)
良好人際交往及演示技巧
需性格開朗，主動及處事以客為尊
善於與團隊建立良好的合作關係並能於壓力下工作
University graduate or above in business, finance, or related disciplines
Experience in insurance sales and relationship management preferred
Good command of spoken and written English and Chinese (Putonghua speaking preferred)
Strong interpersonal and presentation skills
Outgoing, self-motivated and client oriented
Able to work in a team and under pressure
保單管理部 - 人壽保險核保高級主任 / 主任 Policy Administration Department - Life Underwriting Senior Officer / Officer
Ref. no.: FM.02.112025
職位內容 Responsibilities
負責處理日常保單管理部工作
分析及評估人壽保險申請個案的風險
持續監察現有保單的關鍵風險因素的變化
所有人壽保單文件的妥善管理及紀錄
處理直屬上級／主管委派之工作
Support departmental daily operation
Analyze and evaluate the risks involved in issuing individual life policies
Monitor existing policies for any critical risk factor changes
Keep good record of all life policies' documents
Perform any job duties assigned by reporting manager/supervisor
職位要求 Requirements
大學本科或以上學歷，商業或醫學相關學歷優先
擁有保險各類認證優先
2年或以上壽險公司核保經驗
良好英文及中文（廣東話及普通話）的溝通及書寫能力
良好的分析及理解能力
良好溝通能力、細心、謹慎、主動、獨立，願意學習及團隊合作精神
深入理解核保條款指引及規章及良好職業操守
良好電腦操作技能及文書處理能力，尤其 Word 及 Excel
University Degree or above, majoring in Business or Medical related is highly preferred
Candidates with insurance certification are highly preferred
2 years of life insurance underwriting experience
Good command of verbal and written English and Chinese (Cantonese and Mandarin)
Good analytical and comprehension skills
Effective communication skills, detail-oriented, prudent, proactive, independent, willing to learn and team-work oriented
Deep understanding of underwriting guidelines and regulations and strong professional ethics
Good knowledge of PC applications, especially Word and Excel
精算部 – 高級主任 / 主任 Actuarial Department - Senior Officer/ Officer
Ref. no.: FM.01.102025
職位內容 Responsibilities
協助產品和精算職能，重點如下:
開發支持更廣泛產品供應的精算框架和模型
執行非壽險業務的產品審查與改進
技術儲備金評估與報告
支持風險為資本的實施和相關分析
支援 IFRS 17 的實施及相關分析
Assist in product and actuarial functions with the following focus:
Develop actuarial framework and models that support wider product offering
Perform product review and enhancement for non-life line of business
Technical reserves valuations and reporting
Support Risk-Based Capital implementation and related analyses
Support IFRS 17 implementation and related analyses
職位要求 Requirements
擁有精算、統計、數學、工程、數據科學及其他定量學科的本科或更高學位
通過 SOA 精算考試或同等考試
2 年以上壽險或非壽險精算及 / 或產品相關工作經驗
精通中英文書寫及口語能力
Tertiary undergraduate or higher in actuarial, statistics, mathematics, engineering, data science and other quantitative degrees
Passing in two or more Actuarial exams in SOA/CAS or equivalents
2+ years’ experience in life or non-life actuarial and/or product role
Proficiency in written and spoken English and Chinese
退休金部 - 銷售經理 Pension Fund Department - Sales Manager
Ref. no.: FM.02.092025
職位內容 Responsibilities
制定並執行有效的退休金產品銷售策略
識別並鎖定關鍵客戶群，並專注於企業和個人客戶
達到年度目標
與企業客戶和經銷商建立及維持長期合作關係
向客戶進行退休金計劃的推廣和諮詢
滿足客戶需求和處理客戶顧慮，確保客戶滿意度和保留率
此職位直接匯報給業務發展部及需定時完成業務發展部指派的工作
Develop and execute effective sales strategies for our pension fund products.
Identify and target key client segments, focusing on corporations and individuals.
Achieve annual targets.
Build and maintain long-term partnerships with corporate clients and distributors.
Conduct presentations and consultations of pension schemes to clients.
Ensure client satisfaction and retention by addressing their needs and concerns.
This role requires direct reporting to Business Development Department and shall fulfill duties delegated by Business Development Department.
職位要求 Requirements
大學本科或以上學歷，主修金融、市場營銷、傳播學
3年商業銷售，業務發展/退休基金經驗，具金融服務或人壽保險業優先
對退休金產品和市場動態有深入了解
卓越的溝通和表達技巧
能夠與利害關係人建立並維持良好關係
University degree or above, majoring in Finance, Marketing, Communications.
3 years’ experience in commercial sales, business development/Pension Fund, preferably within the financial services or life insurance industry.
Strong understanding of pension products and market dynamics.
Excellent communication and presentation skills.
Ability to build and maintain relationships with key stakeholders.
申請職位 Application
Interested parties please send a full resume with a recent photo to HR@fidelidade.com.mo OR submit it in our Office Address at Av. Praia Grande 567, BNU Building 14/F, Macau (China), Monday to Friday (09:00 – 17:30).
有興趣人士請將履歷連同近照電郵至 HR@fidelidade.com.mo 或於辦公時間 (週一至五，09:00-17:30) 親身提交至忠誠保險辦公室 - 澳門南灣大馬路567號大西洋銀行大廈 14 樓
*Personal data collected will be used for recruitment related purposes only.