Carmen Boado-Penas
Heriot-Watt University, UK
Carmen Boado-Penas is a professor of Actuarial Sciences at Heriot-Watt University in Edinburgh. For many years, she was the Actuarial Mathematics BSc programme director at the University of Liverpool, UK. She holds a PhD in Actuarial Science (Doctor Europeus) from the University of Valencia, Spain, and an MSc in Quantitative Finance. She was also awarded a prize by the Foundation of Spanish Savings Banks for her PhD "Instruments for improving the equity, transparency and sustainability of pay-as-you-go pension systems".
She has published more than 40 peer-reviewed papers on pension finance in prestigious international journals and has cooperated on various projects related to pension systems at the Swedish Social Insurance Agency in Stockholm and at the Spanish Ministry of Labour and Immigration. In 2012, she worked as head of research on a project for the Spanish Ministry of Labour and Immigration, the aim of which was to evaluate the redistributive effects of the pension system reform in Spain. In 2020, she received the BBVA Longevia award (first prize on the economics section) to support pension research.
Her research interests are focused on life insurance, automatic balance mechanisms for state pensions, mixed pension schemes, redistribution, and, most recently, the impact of climate change on retirement.
