\documentclass[a4paper,12pt]{letter}
\usepackage[top=0.4in,bottom=0.4in,left=1in,right=1in]{geometry}
\usepackage{parskip}
\usepackage{graphicx}

\address{Christopher J. Paine\\47 Somerset Road\\Bristol\\BS4 2HT}
\date{\today}

\begin{document}

\begin{letter}{
  
Head of Risk Strategy\\
Phoenix Group PLC
  }


\opening{Dear Sir/Madam,}
\vspace{2em}

I'm a Chartered Actuary with over 20 years' experience across product, actuarial, capital and risk — and I'm actively seeking a role that allows me to apply strategic judgement and cross-functional insight. 

I have good knowledge of the Phoenix Group and most recently worked on internal model methodology, regulatory reporting, and market/credit risk calibrations. 

I’m a member of the IfoA Data Science Bayesian Inference working party, currently writing a paper for presentation at an industry conference later this year, which reflects my deep interest in forward-looking risk thinking. 

I would be excited by the opportunity to contribute to enterprise risk and bring together diverse views into clear, actionable insight at executive level.

I would welcome the opportunity to discuss further. My contact details are:\\  
\texttt{christopher.paine@hotmail.co.uk} and \texttt{07880 893964}.


\vspace{2em}
\begin{flushleft}
Yours faithfully,


\includegraphics[width=3cm]{signature2.jpg}


C. J. Paine\\
\textbf{Encl:} Curriculum Vitae
\end{flushleft}

\end{letter}

\end{document}