Speakers

Torbjörn Magnusson, President & Chief Executive Officer, If P&C Insurance
Torbjörn Magnusson is the CEO of If P&C Insurance, the leading Nordic insurance company. If P&C is part of the Sampo Group of which Magnusson is on the executive committee. Magnusson is also the vice president of Insurance Europe, the European insurance and reinsurance federation, and vice chairman of Topdanmark.
Magnusson holds a Licentiate of Engineering from the Royal Institute of Technology in Stockholm. He started out in insurance at Skandia 1990, worked at the Mercantile & General in London from 1993 to 1996, and has been with If since the company was established in 1999. He became CEO in 2002. Magnusson was born 1963 and lives in Stockholm, Sweden.
Stuart Pembery, Former Chief Information Officer, Liberty Specialty Markets
Stuart Pembery brings 30 years of IT leadership experience in the insurance world including senior roles at Aon, Faraday, Xchanging and CSC. As the Electronic Claims File (ECF2) programme manager at Xchanging, Pembery led the team that delivered the award-winning platform that provides better data management and improved claims capabilities for the London insurance market. At CSC, he secured new business and developed relationships with the specialty lines and reinsurance markets in the US, London and Bermuda.
Peter Mungeam, Chief Operating Officer, Asia Pacific UK, Aon Benfield
Peter Mungeam has more than 35 years of experience in the reinsurance industry. He has extensive technical knowledge in operations and client services. He joined Greig Fester in 1993 leading the Japanese technical team.
During his time at Benfield he led a number of key market events, such as Contract Certainty and the successful delivery of two-way electronic trading with the G4/6. Mungeam led Aon Benfield’s operations and client servicing teams in Asia as well as the Aon e-commerce team in London. He chaired Ruschlikon Asia Pacific, helping ACORD successfully establish electronic accounting and settlement in that region.
Mungeam is a member of the Market Reform Steering Group (MRSG) working closely with LIIBA, is currently leading London’s Central Services Refresh Programme (CSRP) and is a strong supporter of electronic placement platforms, all of which are helping shape the future of the London Market.
Justin Emrich, Chief Information Officer, Atrium Underwriters
For more than 30 years in the London insurance market Justin Emrich has held both underwriting and IT roles. He started his career at RJ Kiln before joining Beazley in 1986. After 14 years there he went on to spend five years as an e-commerce consultant with Wildnet developing trading platforms before returning to Lloyd’s with Atrium in 2006 where he is currently CIO.
Emrich is passionate about modernising inefficient processes and systems, and is actively involved in driving forward not only projects within Atrium, but also on the broader stage in the London Market, and represents Atrium on a host of market committees including the London Market Target Operating Model (TOM). He currently chairs the London Market Innovation Council.
Benedikt Schmid, Reinsurance Chief Information Officer, AXIS Re
Benedikt Schmid has been the CIO of AXIS Re since 2015 and held various senior IT positions in the company for the last 10 years, among those leading a multi-year programme to replace the core reinsurance platform for AXIS Re. Before that he served at Swiss Re for eight years managing and implementing IT solutions in reinsurance, risk and HR. Previously, he worked as a consultant for Arthur Andersen.
Schmid holds a Master’s in information technology from the University of Zurich, an Executive MBA from LaSalle University and various professional certifications in project, program and IT service management.
Yannis Korgialos, Partner Development Manager, Digital Partners, Munich Re Group
Yannis Korgialos’ key responsibilities include the development and execution of partner engagement strategy across Europe, as well as on-boarding management of insuretech companies across Europe and the US. He has more than 10 years of professional experience within management consulting of financial services clients across Europe (Oliver Wyman); building a travel startup market aggregator; investment banking (IPOs at Credit Suisse); and engineering across UK and Southern Europe.
Oliver Brew, Executive Vice President, Global Head of Cyber Risk and Head of International Professional Indemnity, Aspen Insurance
Oliver Brew is Executive Vice President, Global Head of Cyber Risk and Head of International Professional Indemnity at Aspen Insurance. He is responsible for direction and implementation of cyber risk underwriting strategy across the global footprint of Aspen and joined in January 2016. Prior to this he was Head of US Professional Liability, including cyber risk at Liberty International Underwriters, part of Liberty Mutual. He also held roles of increasing seniority and management responsibility at Hiscox, which he joined in 2004, and moved to New York in 2006. He started underwriting at CFC in London, and was at Willis on their graduate program. He studied Politics at Cambridge University, is a Chartered Insurer, an Associate of the Chartered Insurance Institute and a Certified Information Privacy Professional. He has regularly spoken at industry events such as PLUS and RIMS.
Emanuela Vignotti, Chief Operating Officer-Italy, Amtrust Europe
Emanuela Vignotti is chief operating officer of Amtrust Europe in Italy. She is in charge of retail business management in terms of organisation, processes and front end with distribution network. She is also collaborating with the IT team of Amtrust Group on the implementation of the new model of digitisation of the distribution network.
Previously she worked for almost nine years in Accenture in the management consulting area, with a specialisation in change management focused on the insurance market. She then moved to AXA Italy as head of the life & saving network and sales force effectiveness.
Georgi Pachov, Global Practice Group Leader Cyber, Allianz Global Corporate & Specialty, Allianz 
Georgi Pachov is globally responsible for cyber insurance at Allianz Global Corporate & Specialty (AGCS) with particular focus on first party insurance solutions (eg, business interruption). In addition, he is driving the underwriting analytics and pricing for the global property book of business. 
Pachov joined AGCS in 2010 and held actuarial roles in reserving prior to joining the central property underwriting office. Before joining Allianz he worked on various computational projects with leading pharma and tech companies. He holds an MSc and a PhD in physics from Heidelberg University.
Dimitrios Velmachos, Global Chief Actuary & Director of Data & Analytics, Bupa Global
Dimitrios Velmachos has qualifications in mathematics, actuarial science and business studies. He has extensive international and diverse experience in the insurance industry and also worked in technology ventures. He has been an entrepreneur and has also held various leadership roles from actuarial to general management where he managed turnarounds and transformations.
He has published in scientific journals and his interests are m 
ainly focused in innovation, analytics, digital solutions and optimisation techniques with applications in the complete value chain of the insurance enterprise.
Paul Hately, Chief Customer Officer – Swiss Re Life Capital, Swiss Re
Paul Hately is chief customer officer and head of customer engagement at Swiss Re Life Capital, leading and supporting Swiss Re Life Capital’s life insurance carriers and their partners in developing techniques to better serve customers in a rapidly changing insurance world. Previously he was the global head of the Swiss Re Protection Partners business, partnering with a new generation of life insurance distributors.
He is also a member of the Life Capital Leadership Team and a supervisory board member of several of Swiss Re’s companies concerned with writing primary insurance business or providing services to primary insurers. From 2005 to 2015 he was a member of the Global Life and Health Reinsurance Executive Team. Hately has worked as an insurer and reinsurer in a variety of roles mostly focused on product development, strategy, underwriting, marketing and innovation.
 
Alison Sergeant, Vice President, Group IT Services and Operations, RenaissanceRe
Currently VP IT Infrastructure and Services for RenaisanceRe since 2010, Alison has over 30 years’ experience managing and delivering IT Services in a range of different sectors including Internet Startup, Blue Chip, Finance and Technical Services.  Alison has a deeply technical background which she couples with excellent management and talent development skills. She is a passionate supporter of diversity in the Tech Sector and is a mentor for students in schools and Universities in the London area.
Linden Holliday, CEO, MyDrive
Linden Holliday is the chief executive officer of MyDrive, a Generali-owned company. He is an executive with experience in the consulting industry, large corporates (group customer service director for Centrica, and business architecture director for Virgin Media), and also in startup enterprises. As employee number 3 of MyDrive Solutions, Holliday defined a strategy to build a data science company to deliver insight to the insurance industry, specifically the motor insurance sector. 
Within two years, MyDrive was operating in 12 countries. The team grew quickly and product development ensured that MyDrive was at the leading edge of thinking in the gestative usage-based insurance industry. In 2015, Generali made a strategic decision to buy 100 percent of the equity, and to put MyDrive at the heart of the group’s strategy regarding the exploitation of data, and the entry to the world of the Internet of Things.
Brian Wallace, Chief Technology Officer–Insurance, CSC
As the chief technology officer for CSC’s global insurance business, Brian Wallace drives technology strategy, client-focused solution development, and the ongoing alignment of CSC’s capabilities to the needs of the insurance industry. His role in CSC is to stay on the forefront of disruptive technological change and enable the clients to act, both defensively and offensively, through informed understanding and well-executed delivery. He is an advocate for the innovative use of technology to drive improved business performance.
Wallace has management and technology service delivery experience in insurance, banking, and healthcare, spanning the commercial and the public sectors. He has worked in industry, big five consulting, startup, independent software vendor, and global systems integration businesses where he’s held COO, CTO, and practice leadership roles. His passion is IT-enabled transformation and he is regularly looked to as a thought leader and agent of change.
Richard Williams, Former Chief Information Officer, Mitsui Sumitomo Insurance
Richard Williams has a lifetime of experience of leading change, improvement and innovation in demanding cultures and situations in a career that spans the Army, the Cabinet Office, consultancy, broking and insurance, and latterly as the CIO for Mitsui Sumitomo Insurance Group. 
Williams is a keen advocate of pragmatic innovation and digitisation and the impact it can have on the culture and bottom line of a business. His approach and successes have not only garnered a number of innovation and implementation awards but have also won him a place in the CIO 100 list of the UK’s most influential CIOs for two years in a row. No stranger to InsurTech, he is an equally passionate advocate for getting organisations to develop their own innovation capability.
Stephen Ingledew, Former Managing Director, Marketing, Standard Life
Stephen Ingledew is the former managing director, marketing at Standard Life where he had a strategic responsibility for all aspects of marketing.  Specifically, Stephen led the transformation of the company's marketing and customer functions using the latest creative thinking and new technology capabilities in digital, data and disruptive innovation. A key focus for his change leadership was to use customer insights, data analytics and digital channels to drive a significant improvement in customer experiences and outcomes. Since joining Standard Life in 2007, he held a number of executive roles in distribution, strategy and business unit management before being appointed to a newly created role to run the marketing and customer division in 2012. He had nearly 30 years in a number of senior level roles with corporations such as Barclays and AMP as well as non executive roles with the regulator and trade bodies. 
Andre Guyer, Head of Digital Transformation, Zurich Insurance Company
André Walter Guyer has been head of global transformation for Zurich Insurance Company since August 2002. In this role he is responsible for developing and implementing global digital solutions for corporate customers.
Guyer is an executive with an international track record in the IT and financial industry. He studied mathematics, computer science and astrophysics at the University of Zurich where he received his degree in mathematics and attended an executive MBA programme. 
Guyer started his professional career at IBM (Switzerland). He then joined the Credit Suisse Group as CIO for a group of private banks, took over the responsibility for the international operations and was appointed to lead a number of group-wide strategic change initiatives. He also worked at Arthur D. Little (Schweiz) AG as head of the information management practice and then moved on to Unisys (Schweiz) AG. 
Sarah Stephens, Partner, Head of Cyber, Technology, and Media E&O, JLT Specialty
As part of JLT Specialty’s London-based financial lines group, Sarah Stephens and her team work directly with clients and with network colleagues and independent partners to make sense of cyber, technology, and media E&O (PI) risks and create leading-edge bespoke insurance solutions in the London Market.
Prior to joining JLT, she spent 12 years with Aon in a variety of roles. Most recently Stephens was Aon’s head of cyber & commercial E&O for EMEA, working with colleagues across business groups and clients in the region to identify, analyse, and drive awareness of cyber risks, exposures, and both insurance and non-insurance solutions.
She gained a BA with distinction from Duke University in Durham, North Carolina in 2002. She also holds an Associate in Risk Management designation and is an active member of the Professional Liability Underwriting Society. 
José Luis Calvo, Head of the Technology Innovation Center, Mapfre
José Luis Calvo is currently Mapfre's Head of the Technological Innovation Center.  
He began his professional career in 1994 as an Infoglobal consultancy software development manager. He later became the  director of quality software and technology in Adecco. He then spent 15 years at Microsoft, where is was responsible for solutions for banking and insurance among other roles. During this period he was also an associate professor at IE Business School, an investor and a member of the Board of startups such as Nomaders.com. 
José Luis earned a diploma in Information Technology from the University of Cambridge and a Master in management information systems from the IE Business School, and graduated with honors from both.
Steven Hales, Global Head of Connected Insurance, Generali Group
Steve Hales is Global Head of Connected Insurance for the Generali Group. This is a new position set up to industrialise the rollout of data analytics and connected insurance products. Until recently, he was Head of Global Life, joining the Generali Group in 2013. Previously he was in the AXA Group, as Head of Life for AXA Spain and then Head of Life and Health for AXA Mediterranean and LatAm Region. Steve started his career in Tillinghast (now Willis Towers Watson), working in London and Madrid. He is a Fellow of the UK Institute of Actuaries.
Dr. Cécile Wendling, Head of Foresight, Group Strategy, Sustainability and Public Affairs, AXA Group – GIE AXA
Dr. Cécile Wendling is head of foresight at AXA Group, where she conducts forward-looking analyses for the group on data, digital and cyber issues, among others. She is also an associate researcher at the Centre de Sociologie des Organisations, a joint programme of the Sciences Po university, Paris and the CNRS (National Centre for Scientific Research). Her areas of research focus mainly on the sociology of risks, crisis management, foresight tools and methods.
Tim Buchanan, Group Head of Digital, Hiscox
Tim Buchanan is the group head of digital at Hiscox. His role is to deliver quality and consistent digital experience to customers across a diverse product and geography portfolio of businesses—an invigorating challenge given today’s ever-accelerating digital development environment.
Buchanan has been involved with digital since 1996 and has focused on optimising the customer digital experiences across Hiscox since 2015. He continuously assesses how technology can empower customers, and manages the ongoing impact on business models, structure and propositions. Throughout his career he has managed digital functions and businesses in South America, Europe and the UK across technology, media & telecommunications, financial services and entertainment industries.
Pascal Mogavero, Head of Operations and Digital Experience, Hiscox Direct Europe
Pascal Mogavero joined Hiscox Direct Europe in 2015 to lead its customer operations through a period of transformational change to create a truly ground-breaking and differentiated service offering for customers and an efficient, optimised and disruptive operating model. He is also in charge of digitising the firm’s interactions on all distribution channels in continental Europe (with direct customers/brokers/partners).
Prior to joining Hiscox, Mogavero was with Accenture’s media and high-tech practice for seven years and then joined French pay TV powerhouse Canal+ in 2007 to identify, deploy and manage innovative new media offerings and partnerships.  In 2012, he transitioned to the insurance market at Malakoff Médéric, where he successfully accelerated the development of customer services on all contact channels, built a consistent and personalised cross-channel customer relationship management and drove the company’s digital transformation.
Reza Khorshidi, Head of Science, Global Commercial Lines, and Special Projects Lab, AIG
Dr Khorshidi built teams of elites that delivered a wide of range of data-driven products/apps/solutions and consulting to AIG's global business. He is also a fellow at Oxford University's Martin School, where he leads the programme on Machine Learning and Biomedical Informatics. 
He obtained his DPhil in computational neuroscience and machine learning from the University of Oxford in 2010, and joined Opera Solutions as an Analytics Lead (in engagements ranging from healthcare and biotech, to retail, social media and telco). His main areas of interest include, Biomedical Informatics, Machine Learning (incl. Bayesian Learning and Deep Learning), Financial Services and Insurance, Neuroscience, Population Health and Technology-enabled Mechanisms of Delivery of Care.
Alexandre Rispal, Head of R&D and Innovation, Sogessur, Société Générale Insurance
Alexandre Rispal is the head of R&D and innovation at Sogessur, Société Générale Insurance. He is also the president of the finance and insurance club Adetem (French National Marketing Association).
Rispal has more than 10 years of experience with Société Générale, the Macif Group, Crédit Agricole, and AXA in marketing and innovation management, operational, strategic, products, digital, social media, disruptive projects, partnerships with startups, and creation of services, recruiting, training and management of experts. 
He is a business author and is considered a thought-leader in areas such as telematics, internet of things, big data and blockchain. Rispal has won several innovation prizes.
Martin Overton, Head of Cyber Risk EMEA, AIG
Martin Overton is a cyber risk technical specialist for AIG. He acts as a subject matter expert on cyber risks and solutions, acting as a technical resource for AIG underwriters, brokers and clients; turning technical risks into business language. He is also responsible for partner and business/services development to help AIG clients improve their security posture and maturity.
Overton has been a regular speaker at Virus Bulletin international conferences and was a regular contributor to the Virus Bulletin periodical. He also lectures at a number of UK universities, regularly scaring and educating students about the risks inherent in using the internet and how to be safe.
Overton is a charter member of the anti-virus information exchange network AVIEN, a WildList reporter and a member of the Anti-Phishing Working Group. Current areas of interest include ransomware, rootkits, scams, spam, honeypots, forensics and ethical hacking.
Leigh Calton, Head of R&D, Ageas UK
Leigh Calton has worked in many fields of insurance including life and pensions, private healthcare and, for the past 12 years, general insurance, primarily personal lines. As a career marketer that includes an MBA, Calton has held many senior posts across marketing communications, strategy, ebusiness, data analytics, research, proposition development and acquisition and retention. All have elements linked by a desire to better understand the customer and deliver an improved customer experience.
Within Ageas, Calton’s current remit extends to identifying and understanding emerging trends and technologies, data analytics and R&D to create customer-led propositions.
Tom Hoad, Head of Innovation, Tokio Marine Kiln
Tom Hoad is the head of innovation at Tokio Marine Kiln where he is responsible for developing and leading the firm’s innovation strategy. He joined the company in 2010 and spent five years as an underwriter in the enterprise risk division where he had a particular focus on designing specialty products for emerging risks, including cyber, intellectual property and supply chain risk. He was instrumental in creating insurance for reputational harm that stemmed from negative media coverage; he then worked to fuse reputational harm protection as an additional coverage for more traditional insurance lines. He was previously an insurance consultant at Miller, advising banking and private equity clients on project finance and M&A.
Hoad has an MSc (distinction) in insurance risk management from Cass Business School where he won a prestigious actuarial award from SCOR for his dissertation on credit risk.
Guy Farley, CTO & Co-Founder, Bought By Many 
Guy Farley has worked in software development for 20 years. He joined ICL after university, managing the development of the UK’s first online bank for First Direct. He then spent a year in Bangalore, India, running an offshore development centre, and from there moved to San Francisco to help inflate (and burst) the dot com bubble. 
After a year off skiing and sailing, Farley returned to the UK to software consulting in financial services. He founded Bought By Many with Steven Mendel after they worked together at Close Brothers and discovered a shared belief in the need for more transparency and innovation in the financial services industry. 
David Enwright, Head of Digital and CRM, Euler Hermes
David Enwright is head of digital and customer relationship management (CRM) at Euler Hermes, a provider of credit insurance services, helping customers around the globe trade wisely, manage risks and develop their business safely. He leads a team who are transforming and building the firm’s digital and CRM capabilities in the UK and Ireland.
Previously at Green Rock and the Royal Bank of Scotland, Enwright has significant experience leading multidisciplined B2C and B2B digitally focused marketing teams, leading the development and delivery of the digital marketing strategy and managing a multimillion pound budget; extensive strategy, planning and delivery skills using research and data-gathering techniques to establish customer insight, influencing proposition development and direction; and a deep understanding of digital channels, coordinating and developing customer journeys. He has more than 16 years of experience in financial services.
Stuart McPhee, Program Director, LM TOM Change Programme, LMG
Stuart McPhee joined Lloyd’s in January 2016 as the programme director for the London Market Target Operating Model change programme, London Market Group. He has a wealth of experience as a programme director for large strategic change projects, mainly in financial services, including insurance. His most recent roles were at Fidelity International, Zurich and Skandia/Old Mutual (Europe). Before that, McPhee ran his own technical documentation house with branches all over the world. 
Tom Payne, Director, Market Operations, Lloyd’s Market Association (LMA)
Tom Payne was appointed director, market operations at the Lloyd’s Market Association (LMA) in June 2016. Payne is primarily responsible for managing the LMA’s contribution to market modernisation across the market and is involved in Target Operating Model (TOM) activity including Placing Platform Limited (PPL), the Central Services Refresh Programme (CSRP) and delegated authorities.
He is also responsible for the continued evolution of market processes, the provision of oversight of the bureau services contracts through existing governance and the LMA’s Professional Management Group on behalf of managing agents, and representing the views of the LMA and its members in market modernisation activity.
Prior to joining the LMA Payne held a number of senior technology and operations positions within the market, including head of operational change at RJ Kiln and most recently, group IT director at Minova Insurance Holdings.
Tomasz Krzewina, New Business Origination Manager, Swiss Re
Tomasz is a reinsurance client manager with international experience and advanced insurance sector knowledge. He has a track record in business development and extensive experience in originating, structuring and executing of Life & Health deals.  
Tomasz is the New Origination Manager at Swiss Re since 2012.  His role is to seek new business opportunities by developing (re)insurance propositions together with distributors. Tomasz also identifies, analyses and approaches opportunities, and is responsible for the delivery and structuring of deals. He also has ownership of multiple strategic internal projects such as the definition of Swiss Re's strategy in the group protection market, and the mCommerce pilot project. 
Nigel Brook, Partner, Clyde & Co
Nigel Brook is one of the most senior partners in Clyde & Co’s highly-regarded re/insurance coverage department. Key areas of his practice include: handling international re/insurance disputes; drafting and advising on re/insurance wordings, including parametric and transactional contracts; drafting and advising on cyber policies; and advising on economic sanctions and their impact on re/insurers and brokers.
Chambers UK notes that he is a “real market leader for complex international reinsurance disputes” and that he is “an extremely intelligent and a capable operator without ego who doesn’t waste time on personality clashes but gets straight down to what matters”. Euromoney’s “Best of the Best” Expert Guide ranks him among the top 30 insurance lawyers worldwide.
Michael Cook, Director, Claims Advisory and Insurance Lead for Blockchain, PwC 
Michael Cook is the claims advisory and insurance lead for blockchain at PwC and works closely with its UK blockchain lab supporting clients as they explore the opportunities of blockchain in insurance. Cook has 26 years of experience as a management consultant and claims professional occupying global insurance and reinsurance expert roles, technical consulting and management positions. He has developed businesses and teams and has consulted with clients in Australia, Canada, the US and Europe on all aspects of re/insurance with a particular emphasis on transformation, core system and claim/reinsurance related matters. 
Cook has performed more than 20 re/insurance operational and business reviews, designed operating models, systems and delivered transformation, core system and process improvement engagements. 
Farhana Alarakhiya, VP Product, RMS
RMS is the largest global catastrophe risk management firm. Its models and software help financial institutions and public agencies evaluate and manage catastrophe risks throughout the world, promoting resilient societies and a sustainable global economy. At RMS, Farhana Alarakhiya is accountable for delivering to market the innovative RMS(one) software platform which is transforming the world’s understanding and quantification of risk through a set of open, real-time exposure and risk management applications.
Prior to joining RMS, Alarakhiya led the population health business unit for IBM Watson Health, a strategic initiative redefining care management with the focus on proactive preventive care. Her career has spanned multiple executive roles in IBM, Cognos, and SAS across a variety of software businesses focused on analytics applications. She holds a Bachelor’s degree in electrical engineering and management and a MS degree in technology and policy.
Karen Vlugt, Vice President, Sales and Marketing, IBA-Insurance Business Applications
Karen Vlugt has a proven track record with an internal background in sales, management consulting and IT. Her ability to build new business relations and provide strong solution-based sales results are inimitable. Her background spans a wealth of experience in the insurance, media, telco and retail industries.
Vlugt’s position as the vice president of strategic accounts at IBA involves driving the sales team to articulate value and compelling customer experiences through strong leadership and her commitment to innovation in the insurance industry.
Ian Summers, Director of Strategy & Performance, Sequel Business Solutions
Ian Summers’s 30-plus years in insurance includes being chief information officer at Aon Group.
Summers is a leading champion of automation for competitive advantage, with a focus not only on London, but also on Bermuda, Singapore, Zurich, and more generally, the US.
As an industry voice, he has chaired a number of international market modernisation initiatives and has been active on the Global Ruschlikon Steering Committee, the ACORD Global Reinsurance and Large Commercial Committee, and LIIBC’s Brokers Market Reform Strategy Group. 
Matt Cullen, Assistant Director, Head of Strategy, Association of British Insurers
Matt Cullen is the assistant director, head of strategy at the Association of British Insurers (ABI). He provides thought leadership on the long-term strategic challenges and opportunities facing the insurance industry, and works with policy and executive colleagues to incorporate this thinking into planning and policy development. He has been building the ABI’s policy agenda and public profile in technological change and data, cyber risk and climate change.
He is also interim head of data & analytics with a team collecting industry data from ABI members, and driving a modernisation programme to ensure that the data & analytics function adds maximum value.
Cullen joined the ABI in 2010 as policy adviser, flooding, and became manager, general insurance in 2013. He began his career in the UK and US nuclear industries after reading geography and management at Cambridge University.