Roland's track record includes two years with a logistics consultancy, where he developed environmentally friendly solutions for freight transportation. Later, he worked for six years as a reinsurance underwriter in the French property market (Swiss Re, Paris office). Developing new products, dealing with risks from fire and natural disasters to nuclear terrorism and tailoring covers to individual clients’ profiles were part of his core activities. Throughout his time with Swiss Re, he was happy to share his experience with colleagues in regular trainings and workshops.
In 2006, Roland started his own consultancy business, which is based in Zurich, Switzerland. He worked as a reinsurance expert for Swiss Re in France, and since 2008 he is on regular assignments for the MicroInsurance Centre. His recent microinsurance work has taken him to Armenia, Bangladesh, Bosnia, Ghana, Jordan, Kenya, Philippines, Vietnam and the West Bank. In 2008 he co-founded the Fair Trade Insurance Initiative, which promotes innovative insurance solutions for smallholders in developing countries. As an active member of the MicroInsurance Network he co-steers the working group on agricultural microinsurance. Recent publications include a manual for efficient process design in microinsurance, a contribution to the upcoming 2nd edition of the Microinsurance Compendium and a discussion paper on microinsurance and climate change.
Since 2000, Barbara has been working in economic development programs with a strong focus in Latin America. She was lead analyst and trainer on a one year activity for Pro Mujer International that aimed to strengthen and centralize its current client information and feedback loop. She also performed extensive analysis of the market and client needs in Nicaragua, where she worked closely with Banex, a former MSME financial institution. She has designed microinsurance programs for a number of institutions, networks and government agencies including INISER (Nicaragua's largest insurer) and most recently FOSIS (A Chilean government social protection program). In 2010, she co-authored a study for the IDB/FOMIN on the opportunities and constraints for offering microinsurance to immigrants in the United States.
Clémence is an independent consultant currently working with several organizations, including the MicroInsurance Centre and Denis Garand and Associates. An actuary by training, she has spent ten years working in the field of general insurance, including three years on microinsurance. She has substantial on-site product development experience as well, and has worked with micro-finance institutions (MFIs), insurers, rural banks, and other non-profit organizations, in Peru, Bolivia, Mali, Egypt, Bangladesh, India, Vietnam, Indonesia and the Philippines.
Clémence holds a Master’s degree in Financial and Actuarial Sciences from the Financial and Insurance Sciences Institute in Lyon, France. She is a Fellow of the Institute of Actuaries in France, and served as an ILO Technical Assistance Fellow for the Microinsurance Innovation Facility in India in 2009-2010.
Rick has 30 years of experience managing and consulting with insurance companies, health plans and self-funded programs. In his consulting practice Rick works with several dozen insurance companies across the US to re-engineer insurance and ASO product lines, develop new market segments, increase premiums/membership, and build efficient, financially and operationally sound operations.
On the international front, Rick has worked with emerging microinsurance programs for over ten years under contracts with USAID, World Bank/CGAP, BMGF and others in India, Philippines, the Caribbean and elsewhere. For many years, he was Executive Vice President with Amalgamated Life Insurance Company, a New York based AM Best "A" rated carrier focused on trade union business.
Since 2001 Denis has been an independent consultant, focusing on the Canadian group insurance industry and international microinsurance programs. Canadian assignments have included strategic reviews, capital management, training, product development, pricing, mergers, insurance company start up and the development of the first Canadian disability incidence study.
Internationally Denis has worked on all facets of microinsurance focusing on micro health insurance. Assignment have been conducted for ADB, AKAM, BearingPoint, CCA, CGAP, FFH, MIME, ILO, ILO-STEP, Sanasa, GTZ, The World Bank, ICMIF and many others . He has experience in India, Pakistan, Nepal, Sri Lanka, Bangladesh, Philippines, Burkina Faso, Cameroon, Mali, Senegal, Kenya, Benin, Rwanda, Egypt, Uganda, Tanzania, Haiti, South Africa, Dominican Republic, Colombia, Peru, Fiji and Barbados on all aspects of micro insurance. Denis is Chair of the Microinsurance Network Performance Indicator working group, a member of the Microinsurance Network Health subgroup, a member of the ILO innovation facility steering committee and is co-author on several topics in microinsurance.
As an Actuarial consultant with more than 20 years of experience in the private insurance sector in Ireland and Australia, Eamon has extensive experience of financial services, accident compensation schemes, health insurance, general insurance and banking. Since 2008, he has been working in Micro-insurance working as a program manager and consultant in health Micro-Insurance initiatives targeting the urban poor in India and Jordan. He has also co-authored various research publications and conducted Joint missions in Kenya and Bangladesh to review MI programs there. He has also conducted training in Microinsurance product development in the MENA region. He is a co-author of a new client value assessment tool (PACE tool).
Emily is a Research Associate with EA Consultants and the MicroInsurance Centre. She has worked on both the client value and the business case components of the MILK project. Emily has also performed research on various topics surrounding the development and sale of microinsurance products, and worked on two projects analyzing remittance-linked microinsurance products, one a global mapping of remittance-linked microinsurance products, and the other analyzing possible remittance-linked microinsurance products that could serve the needs of Mexican immigrants in the US. Prior to joining EA Consultants, she worked for three years as a corporate lawyer for two large multinational firms, where her practice focused on equity and debt financing, mergers and acquisitions, and investment management.
John originally worked as an actuarial analyst for a cooperative life insurer in Canada where he specialized in developing actuarial evaluation models, group insurance rating manuals and quotation software, and providing actuarial support to group insurance underwriters. From 1998 to 2004 John managed a microinsurance and cooperative development project in Philippines which focused on building insurance capacity, developing competitive products, and improving distribution in the cooperative insurance and microinsurance sectors. He joined Denis Garand and Associates (DGA) in 2005. His extensive experience includes product development, project development and evaluation, business planning, pricing, experience analysis, training, administration systems and actuarial software development, and many other types of microinsurance projects.
Internationally, John has worked on assignments for ADB, BearingPoint, Deloitte, USAID, CCA, CGAP, ILO, GTZ, ICMIF, and others with experience in India, Vietnam, Philippines, Cambodia, Indonesia, Nepal, China, Ghana, Kenya, Sri Lanka, Fiji, and other countries. As a consultant in microinsurance development he worked on the following: feasibility studies/business planning, market demand surveys, product design, pricing, financial and actuarial analysis, developing administration systems, developing reinsurance and actuarial software, developing microinsurance training materials, project management, and in many areas. John is member of the Microinsurance Network performance indicator working group and is co-author of several published articles and booklets on microinsurance topics.
Our mission is to get SUAVE (simple, understood, accessible, valuable, and efficient) microinsurance products in the hands of 3 billion people across the globe.