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
再保險部 - 經理 / 助理經理 Reinsurance Department - Manager/Assistant Manager
Ref. no.: FM.04.092026
職位內容 Responsibilities
管理及執行再保險政策及框架
為上級提供合約再保險續保、系統更新和日常運營方面的技術支援
確保合約再保險計劃順利續保，以保障現有業務並符合公司標準
提供及時且準確的統計報告/數據，供管理層審核合約和臨時再保險的執行情況
編制定期再保險合約相關的報表
監控風險敞口，包括火災累積風險和承保限額檢查
協助審核最新的風險概況、天災數據、重大損失狀況彙總及其他承保資料組合
協助識別系統需求，編寫用戶需求說明書，與IT部門跟進並確保系統中生成的所有再保險交易報告均準確且按時完成
維護與再保險公司及分保人的業務合作關係
Management and implementation of Reinsurance Policy and Framework
Technical support to superiors on treaty renewal, system updates and daily operations
Ensure a smooth renewal of treaty reinsurance programs to enable the protection of existing business and alignment of the Company’s standard
Provide timely and accurate statistical reports/data for management’s review on treaty and facultative results
Prepare the regular reinsurance treaty related bordereaux
Monitor the exposure including fire accumulation and underwriting limit checking
To assist in reviewing the update risk profiles, catastrophe data, major loss status summary and other underwriting information package
To assist in identifying system needs, prepare user requirement, follow up with IT and ensure all R/I transactions report generated in system are correct and meet timeline
Managing business relationships with reinsurers and cedents
職位要求 Requirements
工商管理相關學士學位
具備 5 年保險領域的工作經驗
具備再保險知識者優先
持有保險或相關專業文憑
持有ANZIIF/ACII或同等認可的保險專業資格者優先
良好的中英文書寫和溝通能力
具備數據分析與解讀能力
具備紮實的再保險經驗
Degree in Business related studies
5 years’ working experience in the field of insurance
Preferable to have reinsurance knowledge
Diploma holder in insurance and any related discipline
Recognized insurance qualification ANZIIF / ACII or equivalent preferred
Good in spoken and written English and Chinese
Data analysis and interpretation
Experience in reinsurance field with solid background
精算部 - 高級精算師 Actuarial Department - Senior Actuarial Manager
Ref. no.: FM.03.092026
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
具備 IFRS 17/償債能力規劃（香港風險為本資本制度，償付能力 II）的經驗制定和實施公司政策和程序
擁有產品、定價和準備金方面的經驗
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
為產品審批委員會和高級管理層提供戰略性的精算建議
制定並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
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
Experience in IFRS 17/Solvency Regime (HKRBC, Solvency II)
Experience in Product, Pricing and Reserving
Prepare financial forecasts and analyze financial risks
Monitor and analyze trends in the insurance sector
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
Oversee, develop, and approve pricing models, rate recommendations, and product profitability analysis
職位要求Job Requirements
5年以上的人壽保險精算從業經驗，以及至少3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
具有償付能力第二代（歐洲）框架下的工作經驗
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
5 + years of experience in life actuarial and at least 3 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
Experience of working within the scope of the Solvency II Regime (European Framework)
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)
人力資源及總務部 - 公司司機 Human Resources & General Affairs – Driver
Ref. no.: FM.02.092026
職位內容 Responsibilities
接載公司管理人員，配合管理人員用車需要
保持車輛整潔和得體，並負責日常維修保養
確保管理人員及乘客在接載期間的安全
規劃高效率路線，避免延誤，準時到達。根據行程變更或交通狀況調整路線
負責派送文件及外勤工作
完成上級安排的其他工作
Provide driving services for company executives as required
Keep the vehicle clean and presentable at all times, and handle routine maintenance
Ensure the security of the executives and passengers during transportation
Plan the best routes to avoid delays and arrive on time. Adjust routes according to schedule changes or traffic status
Handle document delivery and outdoor tasks
Perform any other duties assigned by superiors
職位要求 Job Requirements
中學程度
誠實有禮、守時勤奮和有責任感
良好中英文溝通能力
具良好駕駛記錄
具5年或以上司機工作經驗，有接載老闆經驗者為佳
持澳門居民身份證，本澳私家車、電單車駕駛執照及國內駕駛執照，三年以上駕駛經驗
Secondary school education or equivalent
Honest, polite, punctual, hardworking and highly responsible
Good communication skills in both Chinese and English
Clean driving record with no major traffic violations
At least 5 years of professional driving experience; experience in driving company owners is preferred
Macau Permanent Resident ID holder, with valid Macau driving licenses (light vehicle & motorcycles) and a Mainland China driving license; minimum 3 years of driving experience required
商務部 - 經理 Commercial Department - Manager
Ref. no.: FM.03.082026
職位內容 Responsibilities
監控及管理商務部日常運作, 主要負責發展保險經紀及商業客戶
部署和執行公司業務增長戰略
與客戶經紀人建立並保持良好的關係
尋找不同的業務發展渠道和機會
分析不同銷售報告來到衡量目標實現情況
分析數據並創建報告以確定業務增長領域
激勵團隊成員共同完成銷售目標
Oversee daily operations of the Commercial departments, focusing in corporate and broker channels
Deploy and execute company strategies
Develop and maintain strong relationships with clients and brokers
Identify opportunities for new business development
Review performance and sales reports to measure productivity and goal achievement
Analyze data and create reports to identify areas of business growth
Motivate team members to collectively achieve business objectives
職位要求 Job Requirements
工商管理，金融學相關學士學位
必須擁有最少 4 年管理及保險銷售經驗
有良好溝通和演講技巧
解決問題的能力強
有能力於壓力下工作
精通英語，普通話及粵語
ACII ，ANZIIF或其他保險專業資格者優先
澳門居民優先
Degree holder in Business Administration or related disciplines
Minimum of 4 years’ track record in insurance sales and management skills
Excellent in negotiation, presentation, and communication skills
Strong problem-solving abilities
Ability to work under pressure
Proficiency in English and Chinese (Cantonese and Putonghua)
Professional qualifications such as ACII or ANZIF is an advantage
Macau ID holder preferred
投資總監 Chief Investment Officer
Ref. no.: FM.02.082026
職位內容 Responsibilities
制定並執行公司整體投資策略，確保投資方向與保險負債特性、風險偏好聲明及資本充足要求相一致，並符合公司長期發展目標
全面管理公司投資組合，涵蓋固定收益、上市股票、私募債權、基金、結構性產品及不動產相關投資，對投資表現負最終責任
主導資產負債管理（ALM），統籌資產久期、收益目標及流動性安排，支持分紅、儲蓄及萬用壽險產品的收益承諾
建立並持續完善投資治理框架、投資政策聲明及風險限額體系，確保符合澳門金融管理局及集團的監管與合規要求
管理投資相關的監管資本計提（HKRBC/償付能力框架），在風險可控前提下優化資本效率與風險調整後回報
甄選、委任及監督外部基金管理人、託管行及投資顧問，定期評估其表現、費用合理性與風險控制
主導投資項目的盡職調查與交易結構設計，包括歐洲私募債權、結構性融資、基金專戶及保費融資相關資產
與精算、財務及風險管理部門緊密協作，支持IFRS 9/IFRS 17下的投資估值、會計分類及財務報告
定期向管理委員會、董事會及集團投資委員會匯報投資表現、風險狀況與市場展望
評估創新型投資機會（包括私募信用策略、數字資產產品等），推動投資端與產品端的策略協同
Develop and execute the company's overall investment strategy, ensuring alignment with the liability profile, risk appetite statement and capital adequacy requirements in support of long-term corporate objectives
Manage the company's investment portfolio across fixed income, listed equities, private debt, funds, structured products and real-estate-related investments, with ultimate accountability for investment performance
Lead asset-liability management (ALM), coordinating asset duration, yield targets and liquidity planning to support the crediting commitments of participating, savings and universal life products
Establish and continuously enhance the investment governance framework, investment policy statement and risk limit system, ensuring compliance with AMCM and group regulatory requirements
Manage investment-related regulatory capital charges (HKRBC/solvency framework), optimizing capital efficiency and risk-adjusted returns within a controlled risk envelope
Select, appoint and oversee external fund managers, custodians and investment advisors, reviewing their performance, fee reasonableness and risk controls on a regular basis
Lead due diligence and transaction structuring for cross-border investments, including European private debt, structured finance, managed accounts and premium-financing-related assets
Work closely with actuarial, finance and risk management teams to support investment valuation, accounting classification and financial reporting under IFRS 9/IFRS 17
Report regularly to the Executive Committee, the Board and the group investment committee on investment performance, risk profile and market outlook
Evaluate innovative investment opportunities (including alternative credit strategies and digital-asset-linked products), driving strategic synergy between the investment and product functions
職位要求 Requirements
大學畢業或以上，主修金融、經濟、統計或相關範疇；持有CFA、FRM等專業資格優先
七年以上資產管理、保險投資或跨境投資相關經驗，其中至少五年擔任投資管理或團隊負責人職位，並有良好的業績記錄
熟悉保險資金運用邏輯及資本管理框架（HKRBC/償付能力II），具監管資本計提及風險偏好聲明制定經驗優先
具備跨資產類別的實操經驗，包括固定收益、私募債權、結構性產品及基金投資，過往在國際大型基金公司或保險資產管理公司工作經驗優先
熟悉跨境投資架構與合規要求，具香港證監會持牌業務、愛爾蘭/盧森堡基金結構經驗者優先
具歐洲市場投資或盡職調查經驗優先；熟悉葡萄牙/歐洲保險集團運作者尤佳
出色的財務建模、估值及投資分析能力，能獨立完成交易結構設計與敏感性分析
具有優秀的溝通匯報能力，能向董事會及集團層面清晰呈報投資策略、組合表現與風險狀況
流利的英語和中文書寫及溝通能力；懂粵語，普通話優先考慮
持有澳門居民身份證或香港居民身份優先
Degree holder or above in Finance, Economics, Mathematics or related disciplines; CFA, FRM or equivalent professional qualifications preferred
7+ years of experience in asset management, insurance investment or cross-border investment, with at least 5 years in an investment management or team leader capacity and a proven track record
Solid understanding of insurance capital deployment and capital management frameworks (HKRBC/Solvency II); experience in regulatory capital charges and risk appetite statement development preferred
Hands-on experience across asset classes, including fixed income, private debt, structured products and fund investments；experience in global asset managers or insurance asset managers preferred
Familiar with cross-border investment structures and compliance requirements; experience with Hong Kong SFC-licensed businesses and Irish/Luxembourg fund structures preferred
European market investment or due diligence experience preferred; familiarity with Portuguese/European insurance group operations a strong plus
Outstanding financial modelling, valuation and investment analysis skills, with the ability to independently design transaction structures and run sensitivity analyses
Excellent communication and reporting skills, with the ability to clearly present investment strategy, portfolio performance and risk profile to the Board and group level
Proficiency in written and spoken English and Chinese; knowledge of Cantonese and Mandarin would be preferable
Macau ID or Hong Kong residency preferred
商務部 - 助理總經理 / 副總經理 Commercial Department - Assistant General Manager / Deputy General Manager
Ref. no.: FM.01.082026
職位內容Responsibilities
監控及管理商務部和銀行保險部門的日常運作
部署和執行業務增長戰略
與客戶、銀行代理和經紀人建立並保持良好的關係
尋找不同的業務發展渠道和機會
分析不同銷售報告來到衡量目標實現情況
激勵團隊成員共同完成銷售目標
Oversee daily operations of the Commercial and Bancassurance departments
Deploy and execute company strategies
Develop and maintain strong relationships with clients, banks, agents, and brokers
Identify opportunities for new business development
Review performance and sales reports to measure productivity and goal achievement
Motivate team members to collectively achieve business objectives
職位要求Requirements
工商管理，金融學相關學士學位
必須擁有最少 10 年管理及保險銷售經驗
具有最少 5 年管理經驗
擁有豐富銷售管理，渠道開發，直銷和戰略設計方面經驗
有良好溝通和演講技巧
解決問題的能力強
在能力於壓力下工作
精通英語，普通話及粵語
FLMI或AAII其他保險專業資格者優先
澳門居民優先
Degree holder in Business Administration or related disciplines
Minimum of 10 years’ track record in insurance sales and management skills
Minimum of 5 years’ working experience in senior role
Solid experience in sales management, channel development, direct selling, and strategy design
Excellent in negotiation, presentation, and communication skills
Strong problem-solving abilities
Ability to work under pressure
Proficiency in English and Chinese (Cantonese and Putonghua)
Professional qualifications such as FLMI and AAII is an advantage
Macau ID holder preferred
商務部 - 助理主任 / 主任 Commercial Department - Assistant Officer / Officer
Ref. no.: FM.03.072026
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
具銀行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
管理委員會 - 執行董事 Executive Committee - Executive Director
Ref. no.: FM.02.062026
職位內容Responsibilities
制定和實施促進公司使命的策略
為達成公司既定的目標和目的制定全面的商業計劃，參與公司發展策略的制定，確保公司履行當中的信託責任，並以投資者和員工的最佳利益為行動準則
向核下的管理部門提供指導和輔助以建立高效的領導團隊
確保公司的日常營運和長期策略計劃符合既定政策，遵循道德規範和法律要求
對公司投資計劃進行指導和監督
建立並維持與股東、合作夥伴及外部政府機構之間的信任關係
以提升公司形象為目標，擔任公司的公開演講和公共關係代表
針對管理報告進行分析，並落實能夠提升公司財務及非財務狀況的相關措施
Develop and implement strategies aiming to promote the organization’s mission
Create complete business plans for the attainment of goals and objectives, participating with is vision for the key strategic plans, ensuring the company fulfills its fiduciary duty, acting in the best interests of its investors and employees
Build an effective team of leaders by providing guidance and coaching to department managers
Ensure adherence of the company’s daily activities and long-term plans to established policies, legal guidelines respecting ethical standards
Direct and oversee investments
Forge and maintain trust with shareholders, partners and external authorities
Act as the public speaker and public relations representative of the company in ways that strengthen its profile
Analyze management reports and decide on measures that add value to the company's financial and non-financial situation
職位要求Requirements
大學畢業或以上，主修數學、精算學、金融或相關範疇
擁有至少八到十年的管理經驗，並在執行董事或類似職位上有良好的業績記錄
擁有十五年以上的精算、風險管理和財務管理經驗優先
擁有多樣化的技術工作經驗及涵蓋多個領域，包括：保險產品的定價和風險評估、精算估值和報告、資產和負債管理、企業風險管理、風險評估和控制、資本管理（HKRBC/償付能力 II）、風險偏好聲明的制定、國際財務報告準則和投資組合管理
具有制定策略和計劃的經驗
對公司財務狀況及績效評估標準具備深入的理解
對公司的治理原則和最佳管理方法有全面的認識
較強的分析能力和解決問題的能力
具有優秀的組織和領導能力
流利的英語和葡萄牙語書寫和溝通能力；懂中文優先考慮
具有較強的技術性和項目管理技巧
出色的溝通和公開演講技巧
持有澳門居民身份證優先
Higher degree in Mathematics, Actuarial Science, Finance or any other relevant fields
Minimum 8-10 years’ managerial experience and proven track record as Executive Director or similar roles
15+ years in actuarial, risk and financial management will be preferable
Diversified technical work experience covering a wide range of area including pricing and risk assessment of insurance products, actuarial valuation and reporting, asset and liability management, enterprise risk management, risk assessment and control, capital management (HKRBC/Solvency II), development of risk appetite statement, IFRS and investment portfolio management
Experience in developing strategies and plans
Strong understanding of corporate finance and measures of performance
In depth knowledge of corporate governance principles and managerial best practices
Strong analytical abilities and problem-solving skills
Outstanding organization and leadership abilities
Proficiency in written and spoken and written English and Portuguese; knowledge of Chinese would be preferable
Strong technical and project management skills
Excellent communication and public speaking skills
Macau ID preferred
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
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.
