Tony Pham is director of modeling and analytics at Fermat Capital. Tony joined Fermat in 2011 and has 15 years of risk modeling and ILS experience. Prior to joining Fermat, Tony spent three years with Aon Benfield Securities, where he focused on the origination and structuring of insurance-linked securities, including catastrophe bonds, industry loss warranties, sidecars, and collateralized reinsurance. From 2002 to 2007, Tony worked for Aon Benfield Analytics, where he was managing director of the Catastrophe Risk Analysis Group, overseeing the entire catastrophe modeling operations team of 25 analysts for Aon's U.S. personal, small commercial, and workers' compensation lines clients. Prior to Aon, Tony worked as a consultant for Participate Systems and Accenture. He received B.A. degrees in biology, economics and mathematics (triple major) from Northwestern University (1998).