Kristal E. Hambrick, FSA, MAAA

Kristal E. Hambrick, FSA, MAAA

Executive Vice President and Chief Risk Officer

Kristal Hambrick, FSA, MAAA, joined Ohio National in 2009 as senior vice president, life product development, and was named executive vice president and chief product officer in 2014. She was promoted to executive vice president and chief risk officer in 2017. Kristal is responsible for enterprise risk management, including chairing the enterprise product management committee that approves pricing of products, hedging functions for the enterprise and actuarial financial reporting functions of the organization. She has more than 35 years of experience in pricing of life, annuity, disability income and 401(k) product management, valuation, distribution and strategic life insurance business.

Prior to Ohio National, she spent over 25 years in various actuarial roles with Union Central Life, including vice president and actuary.

She is a graduate of Ball State University.

Industry, business and civic involvement

She is a member of the American Academy of Actuaries, the Cincinnati Actuarial Club and the Society of Actuaries. Kristal is a member of the United Way of Greater Cincinnati’s Women of Tocqueville and Women Investing in the Next Generation (WINGS). She is also a lifetime Fairfield High School athletic booster and supporter of the YMCA’s Camp Ernst.