An actuary is a professional profession that performs complex mathematical and financial analysis to help businesses and organizations assess risk, develop insurance and pension plans, and manage investments. Here are some of the characteristics and responsibilities of an actuary:

1. Mathematical and Statistical analysis: Actuaries need a solid knowledge of mathematics and statistics to be able to apply this knowledge to complex risk analysis, modeling, and forecasting.

2. Financial literacy: Actuaries also need to understand financial markets and financial products in order to be able to advise clients on investment, risk management, and financial planning.

3. Risk assessment: Actuaries use mathematical models and statistical data to assess various risks, including insurance risk, investment risk and pension risk. By assessing these risks, actuaries can help businesses and organizations make informed decisions.

4. Insurance and pension plans: Actuaries play an important role in the design and evaluation of insurance and pension plans for insurance companies and pension institutions to ensure that they cover expected risks and needs.

5. Investment Management: Actuaries can also work in the field of investment management, helping businesses and individuals manage their portfolios in pursuit of the best balance of return and risk.

6. Financial Planning: Actuaries can provide financial planning advice to individuals and businesses, including retirement planning, tax planning, and financial goal achievement.

7. Career Development: Actuary is a professional profession

Certification by the association is required. Actuaries need to constantly update and upgrade their knowledge and skills, taking training and examinations to maintain the validity of their certification.

In general, actuary is a high-threshold profession that requires a combination of mathematical, statistical and financial knowledge, as well as a sense of responsibility and prudence to deal with complex risks and financial challenges.