Carolina Losada was the Corporate Insurance Director for Fanalca S.A. for more than 15 years; responsible for its insurance and reinsurance programs and the company’s risk management policies. She also started over a year ago her own insurance brokerage company focused on insurance inclusion; a significant need in countries such as Colombia where low-income families are unprotected and underserved and prone to falling even more into poverty when facing calamities. In addition, she also manages the family office and participates in several boards supporting with strategy, corporate governance and new business opportunities.

Denis, a professional Canadian actuary, is one of the world’s best known independent consultants focusing on microinsurance. Previously, from 1981 to 2000, he held a variety of positions at a major insurance company including Director of Marketing and Vice-President of Group Insurance. His work in over 30 countries has covered a wide array of topics including advising regulators, and developing and assessing microinsurance initiatives.