About
Anthony Saliba is an actuary and superannuation executive with over 18 years' experience advising Australia's leading superannuation funds, life insurers and regulators on retirement income, member outcomes and digital transformation.
A Fellow of the Institute of Actuaries of Australia (FIAA, Investments Specialisation), Anthony's expertise spans the full retirement income value chain: post-retirement product design (lifetime income, investment-linked annuities, account-based pensions), mortality pooling and longevity risk, income layering, member segmentation and engagement, and the Retirement Income Covenant (RIC). He has advised trustees on retirement income strategy, product selection and governance since before the Covenant's commencement, and has held direct accountability for annuity pricing, capital strategy and product design in a senior life insurance actuarial role, giving him a genuine end to end perspective few advisers in the market can offer.
Anthony's work sits at the intersection of actuarial rigour and digital delivery. As a Partner at Deloitte, he led the retirement income strategies for several of Australia's largest super funds, as well as award-winning retirement illustrators, which drove measurable uplifts in member engagement and contributed directly to fund awards. He designed and built Deloitte's Flexible Interactive Retirement Estimate (FIRE) API, enabling ASIC-compliant, personalised retirement income projections at scale under RG 276, and authored the Retirement Solutions Assessment Framework, now used industry-wide by funds evaluating retirement income solutions against their RIC obligations. He also grew a superannuation calculator and advisory portfolio by 500% during his time at Deloitte, scaling a suite of SaaS tools across a broad base of funds and insurers.
His technical grounding extends into applied AI and software development: Python, R, JavaScript/TypeScript, Swift, and REST API and MCP (Model Context Protocol) server design, including hands on integration of OpenAI and Anthropic APIs into client-facing tools.
This combination of actuarial depth, regulatory fluency (RIC, APRA prudential standards including SPS 515, SIS Act, Design and Distribution Obligations, RG 277 remediation and RG 276) and technical build capability is unusual in the market and underpins his reputation as an adviser trusted by Chief Retirement Officers, Chief Member Officers and Heads of Retirement across the industry.
After 18 years across EY, AIA Australia, Rice Warner and Deloitte, most recently as Partner in Actuarial Consulting, Anthony now works independently, advising superannuation funds and life insurers on retirement income strategy and product design.
Experience
Partner, Actuarial Consulting
Deloitte, Sydney
- Lead the design, delivery and review of retirement income strategies for major superannuation funds, advising on member segmentation, product and advice frameworks, income layering, member preferences and trustee governance obligations under the Retirement Income Covenant.
- Led a flagship cross-functional engagement – combining Deloitte Actuarial and Deloitte Digital capabilities – to deliver a next-generation Retirement Help Suite for one of Australia's largest industry funds, comprising a Retirement Savings Calculator and a Retirement Income Calculator delivered across 30 weeks of design and delivery sprints. The suite contributed to the fund's recognition as Retirement Offering of the Year (SuperRatings 2025), Best Digital Offering (SuperRatings 2025) and Best Pension Fund (Money magazine 2023-2025).
- Grew a fledgling superannuation calculator portfolio from ~$200k in annual licence fees into a ~$1m+ per annum business comprising SaaS licences and advisory engagements, scaling foundational assets acquired from Rice Warner across a broad client base of superannuation funds and insurers.
- An active practitioner of AI in consulting, having developed AI-powered tools and assets now used across the Deloitte partnership to accelerate delivery and generate value for clients.
Director, Actuarial Consulting
Deloitte, Sydney
- Developed Deloitte's Retirement Income Covenant advisory proposition, positioning the firm as the leading advisor to trustees ahead of the Covenant's commencement on 1 July 2022.
- Devised and built Deloitte's Flexible Interactive Retirement Estimate (FIRE) API, enabling super funds to deliver ASIC-compliant, personalised retirement income projections to members at scale.
- Published the Retirement Solutions Assessment Framework, an industry-adopted tool used by funds across Australia to evaluate and select retirement income solutions in fulfilment of their RIC obligations.
Head of FinTech
Rice Warner, Sydney
- Led FinTech strategy and client relationships for Australia's leading independent superannuation actuarial consultancy, with responsibility for the full suite of digital advice tools, calculators and market projection models.
- Leveraged technical and consulting expertise to secure and lead high-profile model validation engagements for clients, including a Big 4 bank.
- Managed client relationships with major superannuation funds and insurers on digital advice and member engagement strategy.
Senior Actuary, Superannuation and Investments
AIA Australia (formerly CommInsure), Sydney
- Held primary accountability for annuity pricing decisions and strategy across AIA's retail and institutional annuity book, contributing to commercial growth and capital discipline.
- Managed financial reporting for the derivatives portfolio, applying expertise in economic modelling to communicate outcomes to the CFO.
- Selected as a member of the CEO Think Tank cohort (2019), a competitive internal programme recognising high-potential senior professionals.
- Developed and maintained pricing and capital models for complex longevity and investment-linked retirement income products, supporting both in-force product management and the evaluation of new product opportunities.
Senior Manager, Actuarial Services
Ernst & Young, Sydney
- Led EY's submissions to Treasury and the Financial System Inquiry (2014) on retirement income, establishing the firm as a credible voice in Australia's post-retirement policy debate.
- Led a team to develop a stochastic retirement income product comparison tool for a major fund client, delivering a rigorous analytical framework for trustee product selection decisions.
- Developed financial advice algorithms for a major client's digital advice platform, coordinating onshore and offshore development teams to deliver a working prototype; received a Gold Managing Partner Award for outstanding performance.
- Built a variable annuity pricing and capital model for a client entering the Australian market, incorporating complex daily rebalancing mechanics across a 60-year projection horizon.
Education & Qualifications
Fellow of the Institute of Actuaries of Australia (FIAA)
Investments Specialisation
Bachelor of Commerce – Actuarial Studies and Finance (with Distinction)
University of New South Wales · Co-op Scholarship
Higher School Certificate
St Patrick's College Strathfield · UAI 99.7 · Barry Plummer Memorial Prize for Dux · McGlade Scholarship