About Us

Core Consultants

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Clémence Tatin-Jaleran

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 fifteen years working in the field of general insurance, including eight 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 has provided in-country technical assistance and training to projects in more than 30 countries in Africa, Asia, Latin America and Europe. Over the past three years, she has been focusing on agriculture insurance and CAT insurance. In addition to her general expertise in microinsurance, Clémence also has specific competencies in actuarial sciences, product design and insurance programme evaluation. 

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. Clémence is based out of Vancouver, Canada.

Roland Steinmann

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.




Jonathan Bauchet

Jonathan is an assistant professor of consumer science at Purdue University, with a focus on consumer behavior. He completed his dissertation on financial access in developing countries. He has been collaborating with the Financial Access Initiative since 2007 and has extensive experience in economic analysis of low-income consumers and financial behavior. Prior to his work at FAI, he was a research assistant and project manager at Innovations for Poverty Action, where he managed randomized field experiments in Peru, South Africa and the Philippines. He holds a PhD in Public Administration from New York University’s Wagner School of Public Service.


Martina Wiedmaier-Pfister

Martina has been working in financial systems development since 1992 as a short-and long-term expert in over 20 countries and is specialized in the support to regulation, supervision and policy issues. She is - on behalf of the German Technical Cooperation (GTZ) and the Federal Ministry for Economic Cooperation and Development (BMZ) – a member of the Microinsurance Network in its Working Group Regulation, Supervision and Policy Issues. Since 2002, she has been working as independent consultant in the area of financial systems development in Africa, Latin America and Asia, based in Germany. As a team leader for the GTZ microfinance project in Bolivia, from 1998 to 2002, she was particularly engaged in the development of financial innovations, the expansion of financial services and their policy issues including regulation and supervision. Prior to her engagement with GTZ, Martina was working in German cooperative banks for ten years.

Martina advises governments, development agencies, microfinance institutions and international and national support institutions as well as central banks and supervisory authorities. Her assignments are both, technical and strategic, always with the aim to make financial systems more inclusive through improving outreach and sustainability of microfinance and microinsurance. She is the lead author on numerous publications in the field of access to finance including policy and regulatory issues of microinsurance and holds a master’s degree in business administration. Martina is based out of Stuttgart, Germany.


Tsvetanka Karagyozova

Tsvetanka contributes her extensive knowledge and expertise in the field of economics as a special advisor to the MicroInsurance Centre. Her research fields include financial economics, economics of insurance, asset pricing, macroeconomics, and economic development. Tsvetanka was awarded her Ph.D in Economics from the University of Connecticut and also holds Masters Degrees in both Economics and Finance. Her diverse work experience includes consulting for the National Committee of the Bulgarian Red Cross and IMCC/Dimension Capital Management as well as acting Finance Officer at CARE-Bulgaria, and various teaching and lecturing positions at Wesleyan University, University of Toronto, and the University of British Columbia. Tsvetanka was also Assistant Professor of Economics at Lawrence University in Appleton, Wisconsin for five years and now currently is a Sessional Assistant Professor at York University in Toronto, Canada.


Andrea Camargo

Andrea is a Colombian qualified lawyer specialized in Insurance Law and International Economic Law in Colombia and France. She has more than 15 years’ experience in insurance and 8 years of experience in the microinsurance sector. Andrea is skilled at providing high-quality diagnostics in microinsurance and advising supervisory authorities, regulators and policymakers in relation to promoting “best practices” to facilitate the development and the implementation of microinsurance products whilst ensuring that microinsurance consumers are effectively protected. Andrea is based out of London, United Kingdom.


Rosemarie Henry

Rosemarie brings a wealth of insurance industry knowledge to the MicroInsurance Centre as she was the Senior Director for Insurance at the Financial Services Commission in Jamaica from 2012 through 2015. She is an accomplished, senior level executive with the vision and leadership insights to strategically plan, direct and control the operations of a company to capitalize on business opportunities. Combining an International Executive MBA, Chartered Accountant designation, with over 20 years of experience managing financial, administration and accounting operations within the Financial Services Industry, as well as, the regulation of the industry has allowed for the building of a track record of high impactful performance . Rosemarie contributes her extensive knowledge of regulatory legislations and international financial reporting standards as well as her practical experience in public reporting, insurance accounting and regulatory requirements. She is based out of Kingston, Jamaica.


Therese Sandmark

Therese is a multilingual consultant with a holistic background in microinsurance, microfinance, research, sustainable business development and international project management. She has vast experience with multi-stakeholder collaborations and working with banks, investor networks, insurance companies, institutional investors and donors. Therese holds a Master's Degree in Business and Economics from the Stockholm School of Economics and a Master's in Microfinance from the Solvay Business School. She is based out of Stockholm, Sweden.


Donna Swiderek

Donna brings to the MicroInsurance Centre extensive actuarial knowledge and experience. From 1990 to 2000, Donna worked for a cooperative life insurer in Canada overseeing actuarial reserves, financial reporting, capital requirements, solvency testing, reserve system implementations and was a project manager and supervisor. In 2005, she became an independent consultant with Denis Garand and Associates (DGA) and continues to work with group life, health, critical illness and disability pricing or reserving projects.

Since 2008, Donna has also been contributing her skills internationally to the microinsurance sphere. Her work includes being part of a study of the effectiveness of microinsurance in response to Typhoon Haiyan in the Philippines, developing a Regulatory Roadmap in Jamaica as part of the MIC team and participating in country diagnostic/market analysis projects in Jamaica, Nigeria and Kenya through A2ii, MILK and FSD Kenya. Donna, as a DGA team member, has conducted pricing of life and health microinsurance products and has performed microinsurance evaluations (examination of pricing, reserving, business planning, marketing, management practices, financial statements, actuarial analysis and product development for micro health and life Insurance) in Sri Lanka, South Africa, Mongolia and Bangladesh. She has also developed and facilitated numerous microinsurance training workshops. Donna is based out of Winnipeg, Canada.



Richard Carpenter

Richard is a highly experienced legal and regulatory consultant. His specialties include advising governments and regulators on the development and drafting of legal and regulatory frameworks for insurance and other financial services that are compliant with international standards, including AML/CFT legal frameworks. Over the last few years, Richard has worked on the legal and regulatory frameworks necessary to support the introduction of index-based insurance and other risk transfer products and microinsurance.

Richard practiced as a barrister for six years in the United Kingdom before spending nearly 10 years working in the Pacific and Caribbean under a number of UK Government funded contracts assisting governments with the development of the regulation of their financial services industries. In 1998, Richard developed an international practice specializing in the developmet and drafting of insurance and other financial services, corporate, insolvency and anti-money laundering legislation and in regulatory and compliance reviews. In 2003, he joined KPMG's UK Financial Sector Advisory Practice as a director.


Quote of the Day

"The key message is - don't oversell microinsurance" - Shawn Cole Professor of Graduate Business Administration, Harvard University


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MicroInsurance Centre
1045 N Lynndale Drive Ste 2E
Appleton, WI 54914