Actuarial Analyst Sr - P&C Reserving

We are adding to our diverse team of experts and are looking to hire those who are committed to building a culture that enables the creation of innovative solutions for our business units and clients.

The Company

Munich Re America Services (MRAS) is a shared service organization that delivers services to all Munich Re US P&C Companies and other group entities.

As a member of Munich Re's US operations, we offer the financial strength and stability that comes with being part of the world's preeminent insurance and reinsurance brand. Our risk experts work together to assemble the right mix of products and services to help our clients stay competitive - from traditional reinsurance coverages, to niche and specialty reinsurance and insurance products.

The Opportunity

Future focused and always one step ahead!

We're adding to our diverse team of experts and are looking to hire an Actuarial Analyst Sr. to enrich the MR-AS Corporate Reserving Team. This position is a member of the Corporate Reserving department. The responsibility of Corporate Reserving is to use quantitative and qualitative methods to perform and oversee the loss reserve analyses for Munich Re's property and casualty business in the US. This includes continuous monitoring of the reserve position and the further development of actuarial methods, the underlying systems, and tools. Additional responsibilities are the assessment and quantification of reserve uncertainty and reserve risk, as well as financial reporting on non-life technical provisions under IFRS17, Solvency II, local GAAP and Statutory standards. In your role, you'll lead the actuarial analyses and closing for the business written by Next Insurance and consequently assumed into the MRAm pool, ensure smooth processes and manage the relationship with actuarial teams across Munich Re Group stakeholders

The successful candidate will have reserving insurance experience for a variety of coverages and contract structures.IFRS17 knowledge is a bonus.

Responsibilities:

Prepare and complete actuarial analysis with minimal supervision or guidance appropriate for the functional area.
Participate in the development of actuarial presentations and present results/topics to clients (internal & external) and management as requested
Complete the completion of required data preparation, including data input, under general direction. Identify data & operational issues requiring specialized actuarial attention.
Document and communicate assumptions, results and alternatives to actuarial staff and internal and external clients.
Communicating and acting as an interface between Corporate Reserving and the Global Reserving team, as well as Controlling, Accounting and Claims staff locally and globally
Contributing to quarterly and annual, internal as well as external (Statutory, GAAP, and IFRS17) reporting and closing with regards to the non-life reinsurance business
Prepare for and pass Actuarial Exams

Qualifications:

Bachelor's degree in mathematics, Actuarial Science, Economics, Business or related field requiring modeling, programming, or quantitative analysis.
Two or more years of (re)insurance/actuarial experience or successful completion of the MR Graduate Trainee Program.
Passed at least two (2) actuarial exams.
Develop and maintain working knowledge of actuarial models. Including a good understanding of the actuarial concepts and techniques underlying the models. Strong technical actuarial skills.
Strong working knowledge of computers and MS Office Suite applications. Apply more advanced and innovative techniques in worksheets and other applications as appropriate for functional area.
Strong interpersonal skills.
Proficient oral and written communication skills.
Ability to schedule and prioritize workload demands, including multi-tasking.
Able to manage and coordinate own projects using multiple resources.

The Company is open to considering candidates in numerous locations, including New York City, NY and Princeton, NJ. The salary range posted below reflects market variations across various locations. The offer will be adjusted per geography.

The base salary range anticipated for this position is $88,400 - $140,900, plus opportunity for company bonus based upon a percentage of eligible pay. In addition, the company makes available a variety of benefits to employees, including health insurance coverage, an employee wellness program, life and disability insurance, 401k match, retirement savings plan, paid holidays and paid time off (PTO).

The salary estimate is adjusted to reflect the varying market conditions across different locations, with the with the higher end being more aligned with the New York City job market. Factors that may be used to determine your actual salary include your specific skills, how many years of experience you have and comparison to other employees already in this role. Most candidates will start in the bottom half of the range.

We are proud to offer our employees, their domestic partners, and their children, a wide range of insurance benefits:

Two options for your health insurance plan (PPO or High Deductible).
Prescription drug coverage (included in your health insurance plan).
Vision and dental insurance plans.
Additional insurance coverages provided at no cost to you, such as basic life insurance equal to 1x annual salary and AD&D coverage that is equal to 1x annual salary.
Short and Long Term Disability coverage.
Supplemental Life and AD&D plans that you can purchase for yourself and dependents (includes Spouse/domestic partner and children).
Voluntary Benefit plans that supplement your health and life insurance plans (Accident, Critical Illness and Hospital Indemnity).

In addition to the above insurance offerings, our employees also enjoy:

A robust 401k plan with up to a 5% employer match
A retirement savings plan that is 100% company funded.
Paid time off that begins with 24 days each year, with more days added when you celebrate milestone service anniversaries.
Eligibility to receive a yearly bonus as a Munich Re employee.
A variety of health and wellness programs provided at no cost.
Paid time off for eligible family care needs.
Tuition assistance and educational achievement bonuses.
A corporate matching gifts program that further enhances your charitable donation.
Paid time off to volunteer in your community.

At Munich Re, we see Diversity, Equity and Inclusion as a solution to the challenges and opportunities all around us. Our goal is to foster an inclusive culture and build a workforce that reflects the customers we serve and the communities in which we live and work. We strive to provide a workplace where all of our colleagues feel respected, valued and empowered to achieve their very best every day. We recruit and develop talent with a focus on providing our customers the most innovative products and services.

We are an equal opportunity employer. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

\n \t\tApply Now\n \n

","All locations Princeton, United States; New York, United States; \n \n

Every career with Hearst Television is like a story. How it develops, where it takes you, the milestones you reach along the way – you’ve got a lot to look forward to as your unique career story unfolds. Hearst Television, a subsidiary of Hearst, owns and operates local television and radio stations serving nearly three dozen U.S. cities, reaching 24 million U.S. television households. Through its partnership with nearly all major networks, Hearst Television distributes national content across more than 120 video channels, including programming from ABC, NBC, CBS, CW, MY Net, MeTV, This TV, Estrella, and more. Hearst Television is recognized as one of the industry's premier companies. It has been honored with numerous awards for distinguished journalism and industry innovation, including the Walter Cronkite Award for political journalism, the national Edward R. Murrow Award, the DuPont-Columbia Award, and the George Foster Peabody Award.

","New York, NY","coloredLogo","logoAttachment","Hearst.png","thumbnail","thumbnailAttachment","Hearst_TV_Careers.png","hexCode","#2D75B9","headline","National multimedia company reaching 24 million households","https://production-rails-default.s3.amazonaws.com/uploads/company/logo_attachment/1072/Hearst.png","/companies/hearst-television","https://production-rails-default.s3.amazonaws.com/uploads/company/thumbnail_attachment/1072/Hearst_TV_Careers.png",["B","3164383284"],["D",1775401200000],"indexedAt","Editorial Partnerships and Digital PR Manager","Location: Waltham, MA (hybrid 3 days in office) Or Remote. ERGO NEXT's mission is to help entrepreneurs thrive. Were doing that by building the only technology-led, full-stack provider of small business insurance in the industry, taking on the entir Editor, Manager, Partnership, Digital, Business, Insurance, Business Services\n","descriptionText","Editorial Partnerships and Digital PR Manager Munich Reinsurance Company Marketing & Communications Location: Waltham, MA (hybrid 3 days in office) Or Remote. ERGO NEXT's mission is to help entrepreneurs thrive. Were doing that by building the only technology-led, full-stack provider of small business insurance in the industry, taking on the entir Editor, Manager, Partnership, Digital, Business, Insurance, Business Services",[177],"salaryMin","salaryMax","salaryDescription","url","https://us.thebigjobsite.com/redirectfeedjob?jobid=73BD6AAC94DF34AEE231E4C7BFC574A8&source=mediabistroxmlus&utm_source=mediabistroxmlus&jobSiteKey=733EC9B99C5B0748511F3400BF093BDD","companyDescription","companyWebsite","isManualPosted","costPerClick",0.15,"/jobs/3164383284-editorial-partnerships-and-digital-pr-manager","fullUrl","https://www.mediabistro.com/jobs/3164383284-editorial-partnerships-and-digital-pr-manager","strippedDescription","parsedLocation",{"_69":117,"_175":39,"_176":39,"_67":122,"_71":124,"_65":66,"_73":125},"1 days ago","level","/jobs?keyword=Editorial+Partnerships+and+Digital+PR+Manager","street1","street2",{"_69":123,"_67":122,"_71":124,"_65":66,"_73":125},"honeypotInputProps",{"_587":588,"_589":590,"_591":592},"board",{"_127":209,"_210":209,"_211":198,"_212":213,"_214":215,"_216":217,"_218":219,"_220":221,"_222":223,"_224":225,"_226":227,"_228":229,"_230":231,"_232":233,"_234":235,"_236":237,"_238":239,"_240":241,"_242":243,"_244":245,"_246":247},"requestInfo",{"_199":200,"_201":198,"_202":166,"_203":204},"env",{"_189":190,"_191":192,"_193":194,"_195":196,"_197":198},"user","toast","confettiId","MODE","production","SENTRY_ENV","mediabistro","NEW_JOB_BOARD_SENTRY_DSN","https://235251e3654b447a82e934b7c2ce7c93@o4504103609303040.ingest.sentry.io/4504806528253952","SENTRY_RELEASE","0fada31cc7af670c42693383f15a7b70b54387fe","WEBSITE_URL","https://www.mediabistro.com","hints",{"_205":206,"_207":208},"origin","path","userPrefs",{"_205":206},"theme","light","timeZone","UTC","Mediabistro","fullName","siteUrl","pages",{"_584":585,"_586":519},"mainCss",":root{--background:white;--foreground:black;--card:oklch(100% 0 0);--card-foreground:oklch(25% .001 0);--popover:white;--popover-foreground:black;--primary:oklch(59% .23 31.14);--primary-foreground:oklch(100% 0 0);--secondary:oklch(98% .001 0);--secondary-foreground:oklch(25% .001 0);--muted:oklch(97% 0 0);--muted-foreground:oklch(55.6% 0 0);--accent:oklch(96% 0 0);--accent-foreground:oklch(25% .001 0);--destructive:oklch(65% .15 15);--border:oklch(90% .001 0);--input:oklch(90% .001 0);--ring:oklch(70% .15 25);--chart-1:oklch(70% .15 25);--chart-2:oklch(70% .12 140);--chart-3:oklch(75% .12 60);--chart-4:oklch(45% .15 260);--chart-5:oklch(20% .02 280);--sidebar:oklch(98% .001 0);--sidebar-foreground:oklch(25% .001 0);--sidebar-primary:oklch(70% .15 25);--sidebar-primary-foreground:oklch(100% 0 0);--sidebar-accent:oklch(98% .001 0);--sidebar-accent-foreground:oklch(25% .001 0);--sidebar-border:oklch(90% .001 0);--sidebar-ring:oklch(70% .15 25);--footer-background:oklch(14% .07 288.16);--footer-foreground:oklch(100% 0 0);--footer-border:oklch(70% .15 25);--primary-surface:oklch(59% .23 31.14)}.dark{--background:oklch(14% .07 288.16);--foreground:oklch(100% 0 0);--card:oklch(29% .05 287.37);--card-foreground:oklch(100% 0 0);--muted:oklch(34% .02 255);--muted-foreground:oklch(78% .01 255);--popover:oklch(29% .05 287.37);--popover-foreground:oklch(100% 0 0);--border:transparent;--primary-surface:oklch(100% 0 0)}","sitemaps",[582,583],"analytics",{"_580":581},"favicon",{"_574":575,"_576":577,"_578":579},"metaTags",{"_572":573},"social",{"_559":560,"_561":562,"_563":564,"_565":566,"_567":568},"helpEmail","help@mediabistro.com","transactionalEmail",{"_553":554,"_555":556,"_557":558},"header",{"_130":440,"_441":442},"footer",{"_130":423,"_363":39,"_424":425,"_426":427,"_428":429,"_430":431,"_432":433},"styleGuide",{"_394":395,"_396":397},"jobsSearch",{"_366":367,"_368":369},"hero",{"_36":361,"_314":362,"_363":364,"_349":365},"flags",{"_359":346,"_360":346},"postJobs",{"_257":258,"_238":259,"_260":261,"_262":263,"_240":264,"_265":266,"_267":268,"_269":270,"_271":272,"_273":274,"_275":276},"createAlertMeta",[253,254],"jobsPortalSignupMeta",[248,249],{"_36":252},{"_127":31,"_250":251},"content","Create your free profile to apply for jobs, upload your resume, and set job alerts. Join the leading career community for creative, marketing, and media professionals.","Sign Up | Creative, Marketing & Media Job Search",{"_36":256},{"_127":31,"_250":255},"Never miss an opportunity. Sign up for free email alerts and get the latest jobs in social media, graphic design, writing, and marketing delivered to your inbox.","Create Job Alerts | Media, Marketing & Creative Job Alerts","meta",[355,356],{"_36":353,"_314":354,"_31":39},"unlimitedJobsEmail","clients@mediabistro.com","enterpriseCta",{"_349":350,"_351":352},{"_345":346,"_347":346,"_348":346},"mediaBoardSection",{"_36":335,"_314":336,"_31":337,"_338":339,"_333":340},"rolesSection",{"_36":330,"_314":331,"_31":332,"_333":334},"testimonialsSection",{"_36":327,"_314":328,"_31":329},"testimonials",[315,316,317],"employersSection",{"_36":313,"_314":209},"employerLogos",[277,278,279,280,281,282,283,284,285,286,287,288],{"_127":311,"_290":312},{"_127":309,"_290":310},{"_127":307,"_290":308},{"_127":305,"_290":306},{"_127":303,"_290":304},{"_127":301,"_290":302},{"_127":299,"_290":300},{"_127":297,"_290":298},{"_127":295,"_290":296},{"_127":128,"_290":294},{"_127":292,"_290":293},{"_127":289,"_290":291},"Leaf Group","image","https://production-rails-default.s3.us-east-2.amazonaws.com/public/post-jobs-logos/leaf-group-400x200.png","Cox Enterprises","https://production-rails-default.s3.us-east-2.amazonaws.com/public/post-jobs-logos/cox-enterprises-400x200.png","https://production-rails-default.s3.us-east-2.amazonaws.com/public/post-jobs-logos/hearst-television-400x200.png","Future","https://production-rails-default.s3.us-east-2.amazonaws.com/public/post-jobs-logos/future-400x200.png","Fox Corporation","https://production-rails-default.s3.us-east-2.amazonaws.com/public/post-jobs-logos/fox-corporation-400x200.png","Penguin Random House","https://production-rails-default.s3.us-east-2.amazonaws.com/public/post-jobs-logos/penguin-random-house-400x200.png","Springer Nature","https://production-rails-default.s3.us-east-2.amazonaws.com/public/post-jobs-logos/springer-nature-400x200.png","Penske Media Corporation","https://production-rails-default.s3.us-east-2.amazonaws.com/public/post-jobs-logos/penske-media-corporation-400x200.png","Dotdash","https://production-rails-default.s3.us-east-2.amazonaws.com/public/post-jobs-logos/dotdash-400x200.png","Meredith","https://production-rails-default.s3.us-east-2.amazonaws.com/public/post-jobs-logos/meredith-400x200.png","Bloomberg","https://production-rails-default.s3.us-east-2.amazonaws.com/public/post-jobs-logos/bloomberg-400x200.png","NBCUniversal","https://production-rails-default.s3.us-east-2.amazonaws.com/public/post-jobs-logos/nbc-universal-400x200.png","Media and Creative Employers on","subtitle",{"_318":324,"_320":325,"_130":326},{"_318":311,"_320":323,"_130":312},{"_318":319,"_320":321,"_130":322},"company","The Taunton Press","quote","What we like best about Mediabistro is the quality of targeted talent they deliver through their job board portal. We know we'll find the right type of talent for specialized positions that may be more challenging to fill. For almost fifteen years, Mediabistro has been our go-to resource for talent in the media/publishing space.","https://production-rails-default.s3.us-east-2.amazonaws.com/public/post-jobs-logos/taunton-press-400x200.png","Mediabistro is valuable partner when it comes to finding top candidates in the media industry. Their team is extremely responsive, which makes the posting process quick and easy. They also offer great insight into branding company pages.","Huffpost","I love using Mediabistro for my harder to fill creative roles. Multimedia positions like photo editors, video producers, or even niche journalists yield great results. Other job boards don't always produce the specialized talent my hiring teams are looking for, and I feel like I can find that talent through Mediabistro.","https://production-rails-default.s3.us-east-2.amazonaws.com/public/post-jobs-logos/huff-post-400x200.png","Trusted by Leading Media","and Creative Employers","See why top publishers, agencies, and brands rely on us to find exceptional talent.","Hire Remote and Local Talent","Across Every Media Vertical","Whether you are building an in-office team or seeking remote talent, access a specialized network of professionals in editorial, publishing, influencer marketing, and AI content strategy. Find candidates—from prompt engineers to production leads—who are ready to contribute from anywhere.","imageAlt","Media roles infographic","The #1 Destination for Media","and Creative Talent","Connect with top-tier full-time and freelance media professionals. Whether you are a leading publisher, a streaming service, or a growing brand, we deliver specialized talent you won't find on generalist job boards. Find your perfect match for:","bullets",[341,342,343,344],"Job seekers and featured job cards collage","News, Journalism & Book Publishing","Content Marketing, AI Prompt Engineering & Copywriting","Influencer Management, TV & Video Production","PR, Non-Profits & Education","showMediaBoardSection",true,"showRolesSection","showPlanIcon","text","*Unlimited plan is for direct employers only. Hiring at scale, posting on behalf of clients, or distributing across job boards?","linkText","Contact us for custom volume pricing, multi-brand support, and programmatic distribution.","The #1 Job Board for Media, Marketing & Creative Talent","Skip the unqualified resumes. Reach journalism, publishing, and marketing pros who are ready to work.",{"_36":358},{"_127":31,"_250":357},"Recruit qualified media and creative professionals on the #1 industry job board. Reach top talent in design, social media, advertising, and communications. Post a job today.","Post a Job | Hire Media, Marketing & Creative Talent - Mediabistro","extendedFilters","weeklyNewsletter","Find Your Next Media Job","Discover creative opportunities at the world's leading media brands","cta","Start Your Search","Search Media, Marketing & Creative Jobs","emptyMeta",[390,391],"websiteSchema",[370],{"_371":372},"script:ld+json",{"_373":374,"_375":376,"_127":209,"_377":378,"_159":379,"_380":381},"@context","https://schema.org","@type","WebSite","alternateName","MB","https://mediabistro.com/jobs","potentialAction",{"_375":382,"_383":384,"_385":386},"SearchAction","target",{"_375":387,"_388":389},"query-input","required name=keyword","EntryPoint","urlTemplate","https://mediabistro.com/jobs?keyword={keyword}",{"_36":393},{"_127":31,"_250":392},"The #1 job board for media, marketing, and communications professionals. Search career opportunities in advertising, public relations, journalism, and creative arts.","Media, Marketing & Creative Job Board | Journalism & Ad Jobs","images",[420,421,422],"colors",[398,399,400,401,402,403,404],{"_127":418,"_406":419},{"_127":416,"_406":417},{"_127":414,"_406":415},{"_127":412,"_406":413},{"_127":410,"_406":411},{"_127":408,"_406":409},{"_127":405,"_406":407},"$light-grey","value","#F3F3F4","$darkgrey","rgba(44, 43, 45, 0.98)","$grey","rgba(47, 47, 48, 0.93)","$green","#2D7E7E","$dark-blue","#3c405d","$primary-color-light","#1ab9b3","$primary-color","#339999","/_static/mediabistro/mb-logo-268x268.webp","/_static/mediabistro/android-chrome-192x192.png","/_static/mediabistro/mediabistro-text-logo.webp",{"_434":435,"_436":437,"_438":439},"logoText","Find your next media job or showcase your creative talent","copyright","Copyright © 2026 Mediabistro","termsOfUse","/terms-of-use/","termsOfService","/terms-of-service","privacyPolicy","/privacy-policy/","whiteLogo","https://www.mediabistro.com/public/site-logos/2025-mb-logo.svg","darkLogo","https://www.mediabistro.com/public/site-logos/2025-mb-logo-dark.svg","logoClasses","w-[210px] h-[50px] lg:mb-1",{"_434":435,"_436":437,"_438":439,"_549":550,"_551":552},"items",[443,444,445,446],{"_447":502,"_349":503,"_504":505},{"_447":448,"_349":475,"_441":476},{"_447":448,"_349":458,"_441":459},{"_447":448,"_349":449,"_441":450},"type","dropdown","Showcase",[451,452],{"_447":453,"_349":456,"_159":457},{"_447":453,"_349":454,"_159":455},"link","Submit your Story","/my-account/?account_tab=showcase","Featured Creative Stories","/showcase","Mediabistro Membership",[460,461,462,463,464],{"_447":453,"_349":473,"_159":474},{"_447":453,"_349":471,"_159":472},{"_447":453,"_349":469,"_159":470},{"_447":453,"_349":467,"_159":468},{"_447":453,"_349":465,"_159":466},"Membership FAQ","/unlimited/frequently-asked-questions/","Courses & Training Programs","/online-training-courses/","Editorial Calendars (Premium Access)","/mastheads/","How to Pitch (Premium Tool)","/career-advice/go-freelance/how-to-pitch/","Membership Overview","/unlimited/","Career Resources",[477,478,479,480,481,482,483,484],{"_447":453,"_349":500,"_159":501},{"_447":453,"_349":498,"_159":499},{"_447":487,"_349":496,"_159":497},{"_447":453,"_349":494,"_159":495},{"_447":487,"_349":492,"_159":493},{"_447":453,"_349":490,"_159":491},{"_447":487,"_349":488,"_159":489},{"_447":453,"_349":485,"_159":486},"Member Profiles","/freelance-connect/browse/","internal-link","Job Market Insights","/trends","Interview Coaching","https://www.wizco.io/ava?utm_source=mediabistro&utm_medium=job_board&utm_campaign=ava_interview_coaching&utm_content=resources_nav","Resume Writing Services","/resume-writing-services/","Creative Tools","https://playbook.mediabistro.com/","Media Career Interviews","/media-career-interviews","Media Industry News","/media-news","Career Advice & Articles","/career-advice/","mega-menu","Jobs","columns",[506,507,508],{"_441":539},{"_36":520,"_441":521},{"_36":509,"_441":510},"Quick Links",[511,512,513],{"_447":487,"_349":518,"_159":519},{"_447":487,"_349":516,"_159":517},{"_447":487,"_349":514,"_159":515},"Create Job Alerts","/create-alert","Remote Jobs","/jobs?remote=true","Search All Jobs","/jobs","Job Categories",[522,523,524,525,526,527],{"_447":487,"_349":537,"_159":538},{"_447":487,"_349":50,"_159":536},{"_447":487,"_349":534,"_159":535},{"_447":487,"_349":532,"_159":533},{"_447":487,"_349":530,"_159":531},{"_447":487,"_349":528,"_159":529},"Writing & Editing","/jobs?category=Writing+%26+Editing","Sales & Business Development","/jobs?category=Sales+%26+Business+Development","Production","/jobs?category=Production","Operations & Strategy","/jobs?category=Operations+%26+Strategy","/jobs?category=Marketing+%26+Communications","Creative & Design","/jobs?category=Creative+%26+Design",[540,541,542,543],{"_447":487,"_349":548,"_159":519},{"_447":453,"_349":546,"_159":547},{"_447":487,"_349":544,"_159":545},{"_447":487,"_349":514,"_159":515},"Remote Media Jobs","/jobs?keyword=media&remote=true","Hot Jobs","/career-advice/get-hired/hot-jobs/","Search Creative Jobs","width",300,"height",64,"fromAddress","support@mediabistro.com","userPasswordResetTemplateId","d-0614cbe7ddf0404893e7c9f8208331d5","clientPasswordResetTemplateId","d-ff1301b464d1436685573e406e4c1674","facebook","https://www.facebook.com/mediabistro","twitter",{"_569":570,"_159":571},"linkedin","https://www.linkedin.com/company/mediabistro","youtube","https://www.youtube.com/channel/UCnoZvx8SmZOMA1XteQAVtMQ","instagram","https://www.instagram.com/mediabistro/","handle","@mediabistro","https://twitter.com/mediabistro","ogImage","https://www.mediabistro.com/public/site-logos/mediabistro-og-2026.webp","faviconSvg","https://www.mediabistro.com/public/favicons/favicon.svg","appleTouch","https://www.mediabistro.com/public/favicons/apple-touch-icon.png","manifest","https://www.mediabistro.com/public/favicons/site.webmanifest","gtmId","GTM-NVDRG7Q","https://www.mediabistro.com/sitemap.xml","https://www.mediabistro.com/jobs-sitemap.xml","home","/","jobs","nameFieldName","name__confirm","validFromFieldName","from__confirm","encryptedValidFrom","jSnp3NdZrBMiUQ/aTQAf42pZrjzbDqcqtgNtCpp867r4M1eeDh9rx6g="]