About Us


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.

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 ten years working in the field of general insurance, including five 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.

Eamon Kelly

Eamon has over 20 years of actuarial experiencein the private insurance sector in Ireland and Australia, primarily as a general insurance consultant. He has acted as a consultant on financial services, accident compensation schemes, general insurance and banking. His most recent work has been in the development sector, and he has acted as lead project manager and consultant to insurance initiatives in Southeast Asia, Latin America, Africa, and the MENA region. He is based out of London, United Kingdom.

Emily Zimmerman

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.

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 Weidmaier-Pfister

Martina has been working in financial systems development since 1992 as a short-and long-term expert in over 20 countries and is specialised 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, Mrs. Wiedmaier-Pfister was working in German cooperative banks for ten years.

Ms. Wiedmaier-Pfister 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.


Francis Somerwell

Francis Somerwell is passionate and committed to work uplifting low-income populations. He has rich experience of 16+ years predominantly in microinsurance, health and general insurance, wherein he has been actively involved in executing a wide array of activities including product development, reinsurance treaty negotiations, underwriting & claims processing, business development, profit center management and marketing.

Francis has comprehensive experience in designing and implementing micro-insurance programs in health insurance for low-income and microfinance groups in many developing countries. Additionally, he has proficiency in strategy building for new product launch and in positioning and brand management by developing and leveraging strong relationships with key decision makers. He is acknowledged for his frequent participation at various international microinsurance and ICT conferences, vast knowledge and network in microeconomic population. He has designed and implemented IT systems for insurance claims processing and for other corporate health fund management. Among his many dimplomas and certifications, Francis holds an MBA (risk management and healthcare management), SAS certification, and an MA in economics.


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.


Quote of the Day

"With a good reputation, word of mouth will ensure the increase in the size of the pool." -- Sabbir Patel | ICMIF


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