If you’re looking for a career that’s both challenging and rewarding, 一个专注于数学的精算科学学位可以帮助你实现这一目标. 这类工作包括分析和确定来自某些风险的财务后果, 比如投资. 然而，在这个领域有几种职业道路可供选择. 以下是你在学习精算数学时可以做的一些工作.
An actuary applies 统计数据, 数学, 与财务理论确定财务成本相关的风险. 精算师可以在不同类型的工作环境中工作，尽管他们中的许多人在保险行业工作. 根据美国劳工统计局(BLS)的数据，精算师的工资中位数是 每年108,350美元, although some earn over 每年193600美元. The job outlook is projected to rise 18% by 2029, which is much higher than average. 这表明精算师在未来几年应该会有大量的工作机会.
审计员负责编制和分析财务报表和记录，以发现潜在的风险和机会. 他们还向企业提供这些分析的结果，并根据需要推荐解决方案. According to BLS, the median pay for auditors comes in at 每年71550美元，但有些人赚得更多 每年124,450美元. The job outlook for auditors 到2029年 is 增长 of 4%—about as fast as the average job outlook across all careers.
精算顾问为公司提供风险评估服务, including insight into estimated financial consequences. These consultants can work with several kinds of clients, 比如银行, 保险公司, 以及政府机构. 他们的工作可能包括评估与合并和收购有关的财务风险，或确定保险单的价格. According to BLS, actuarial consultants average around 每年108,350美元，并进行了一些改造 每年19.36万美元. At 18%到2029年，精算顾问的就业增长前景将远高于平均水平.
保险精算分析师评估数据，以便定价和制定保险政策. This involves factoring in several data points. 这些数据点因所提供的保险类型而异, 比如汽车保险, 人寿保险, 或者医疗保险. According to BLS, insurance actuarial analysts average 每年108,350美元，有一些收入 $193,600 or more per year. 到2029年，保险精算分析师的就业增长前景为 18%.
投资分析师或金融分析师为企业和个人确定投资的风险. This involves keeping up to date on business and economic trends, as well as evaluating historical and current financial information. 这些分析师可以在不同的环境中工作，包括银行和保险公司. According to BLS, the median pay for investment analysts is 每年81590美元. 有些人的收入超过 每年156150美元. The projected job outlook for investment analysts 到2029年 is 5% 增长.
市场研究分析师负责分析某些产品或服务的市场状况. They keep track of sales and marketing trends, determine how effective marketing programs and campaigns are, and use 统计数据 to examine relevant data. According to BLS, the median pay for market research analysts is 每年63790美元, although salaries can range from $34,350 to over $122,630 per year. The job outlook for market research analysts 到2029年 is 18%, which is much faster 增长 than average.
Operations research analysts use complex 数学ematics, 统计数据, 以及帮助企业和其他组织决策和解决问题的分析方法. 这些分析师负责识别业务或其他领域的问题, 分析相关数据, and coming up with solutions. According to BLS, the median pay for operations research analysts is 每年84810美元，并进行了一些改造 每年140,790美元. 到2029年，运筹学分析师的就业增长预计将远高于平均水平 25%.
个人财务顾问负责协助个人进行财务管理和规划. This involves helping clients determine financial goals, explaining different types of financial services, and recommending financial investments. Although salaries can range from $42,950 to over $208,000 per year, personal financial advisors currently average 每年87,850美元. 到2029年，个人理财顾问的就业增长前景为 4%.
拥有精算科学学位的高等教育教师可以分享他们的数学知识, 统计数据, and other relevant areas of study. These educators come up with curriculum plans, help students learn certain skills, and assess student progress. According to BLS, the median pay for postsecondary teachers is 每年79540美元，还有一些收入 每年174,960美元. The job outlook for postsecondary teachers increases by 9% 到2029年.
风险分析师评估与当前和即将进行的业务项目相关的潜在风险. 他们还决定了可能对公司产生负面影响的因素, such as operation risks or compliance risks. According to BLS, risk analysts have median pay of roughly 每年81590美元, although salaries can range from $47,230 to over $156,150 per year. The job outlook for risk analysts 到2029年 comes in at 5%.
保险公司在评估申请人的信息和评估潜在风险后决定是否向申请人提供保险. 他们还负责根据这些信息确定保险范围的条款和金额. According to BLS, underwriters have a median pay of 每年70,020美元, although some earn over 每年124,320美元. The job outlook from 2019 to 2029 for underwriters is -6%. While this represents a decline, 随着承销商寻求其他职业机会或退休，市场出现了动荡. 对于那些想要追求这条职业道路的人来说，仍然有工作机会.
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2021年1月29日
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