Carmilla joined Brighton Health Plan Solutions in 2015 and heads up the Analytics department. She was previously a Bank of America Benefits Executive responsible for design and strategy of US Health and Insurance programs for employees and retirees. Carmilla's previous positions include: Health Actuary at IBM, Principal and Actuary for Mercer, Healthcare Pricing Actuary at NYLCare and Guardian Life Insurance company respectively. She is a Fellow of the Society of Actuaries and Member of the American Academy of Actuaries. She has a Masters in Mathematics from the University of Connecticut and a B.S. in Mathematics from the University of the Philippines.