Steve Walden is director of strategic operations for global property at XL Catlin, now part of AXA XL. He brings a depth of cross-line commercial underwriting and risk engineering experience to his role. Walden helps drive leading-edge capabilities within the global property unit to support AXA XL’s digitisation and future focus. He believes that the use of data and analytics is essential to enhancing underwriting and risk engineering. IoT represents the next frontier for insurance innovation in facilitating new product development, mitigating risk, and enhancing client value powered by deep analytics.