David Cummings, Vice President, Research, ISO Innovative Analytics


David Cummings is vice president of Research at ISO Innovative Analytics (IIA), a unit of ISO dedicated to developing new analytic products and enhancing existing products through partnerships with ISO business units, subsidiaries, and client companies. Mr. Cummings is responsible for providing strategic leadership for IIA regarding insurance analytics and predictive modeling, as well as developing and executing predictive modeling plans to create new and updated analytic products.

Mr. Cummings joined ISO from State Farm, where he served as director of enterprise risk management (ERM). Previously, Mr. Cummings established an on-campus research facility at the University of Illinois – Urbana/Champaign (UIUC), where he led multiple teams of actuarial analysts and student interns to perform exploratory research and develop pilot projects on a variety of topics, including financial risk modeling and economic capital methodologies, insurance pricing applications of generalized linear models (GLM), predictive modeling and geospatial analysis techniques, and enhanced competitive rate analysis tools. Before State Farm, he worked for the United States Air Force as a scientific analyst.

Mr. Cummings is a Fellow of the Casualty Actuarial Society (FCAS) and is a frequent speaker at industry events. He has served on the CAS examination committee and the global ERM designation task force. He currently serves as a trustee of The Actuarial Foundation. He is a Member of the American Academy of Actuaries (MAAA), holds a Chartered Property Casualty Underwriter (CPCU) credential, and is a member of the Institute for Operations Research and Management Science (INFORMS). His academic preparation includes a master’s degree in computational and applied mathematics from Rice University. He earned his bachelor’s degree in mathematical sciences and operations research from the United States Air Force Academy, where he was a distinguished graduate and the top student in mathematics.