Mr Cloutier is Vice President and Chief Actuary of Fairfax Financial Holdings Limited. Mr Cloutier joined Fairfax in his current position in 1999. From 1990-1999, he was Vice President Actuarial Services of Lombard Canada Limited, a Canadian property and casualty insurance company. From 1987-1990, Mr Cloutier was an actuarial analyst at Halifax Insurance and from 1986-1987 he was an actuarial assistant at Dominion of Canada Insurance Company. Mr Cloutier received his bachelor’s degree in actuarial sciences from Laval University. He is a fellow of the Casualty Actuarial Society and a member of the Canadian Institute of Actuaries.