Michael J. McCord
Michael J. McCord is one of the world's leading experts in developing and managing microinsurance products and has been a key figure in the field for over two decades. He combines experience as controller of a U.S. commercial bank, CEO of a microfinance institution (MFI) in Uganda, regional director for microfinance programs in Africa, founder and president of the MicroInsurance Centre, and current managing director of the MicroInsurance Centre at Milliman. Michael's specializations include institutional development for microinsurance, new product development, assessment and analysis of microinsurance programs, research, and regulation and supervision in inclusive insurance. As a thought leader and international speaker, Michael is also committed to microinsurance advocacy through delivering trainings and presenting at events worldwide.
Michael has written extensively on microinsurance, including as a multiple contributor to "Protecting the Poor, A Microinsurance Compendium" and as co-author of "Making Insurance Work for Microfinance" as well as "The Landscape of Microinsurance in the World’s 100 Poorest Countries." He is the author of numerous microinsurance case studies and other documents to facilitate partnership relationships in microinsurance. Michael is also the author of several other articles and manuals on subjects as varied as pilot testing, rollout, and the feedback loop for microfinance institutions, MFI accounting and analysis, and the function of laws.
Microinsurance Specialist, Asia-Pacific region
Indira Gopalakrishna joined the MicroInsurance Centre at Milliman in October 2019 as a Microinsurance Specialist, Asia-Pacific region. In this role, she is a technical microinsurance consultant, focused on implementing the MIC@M global project activities, with a non-exclusive focus on Asia-Pacific projects. Indira’s previous experience includes over 12 years in product management & innovation in both Singapore and India, including a stint as Director of Innovation at the MetLife Innovation Centre and Director of Product Management & Development at Manulife, both in Singapore. She spent 9 years at ICICI Prudential Life Insurance in India in a number of different capacities, including Associate Vice President of Products. Indira recently completed two years as an International Labour Organization (ILO) Impact Insurance Fellow. She holds an MBA (Specialized in Marketing and Strategy) from XLRI Jamshedpur and a degree in Computer Science Engineering from R.V. College of Engineering in Bangalore. Indira is based in Singapore.
Microinsurance specialist, Asia-Pacific region
Queenie Chow joined the MicroInsurance Centre at Milliman in June 2019 as a Microinsurance Specialist, Asia-Pacific region. In this role, she is a technical microinsurance consultant, focused on implementing the MIC@M project activities, with a non-exclusive focus on Asia-Pacific projects. Queenie has previously worked with the Impact Insurance Facility as a Fellow in Kenya and the Philippines. She started her corporate career in retirement actuarial consulting in Melbourne, Australia and is an Australian-qualified actuary (AIAA). She has close to 10 years of experience working in consulting and has been working within the microinsurance innovation space in the past few years. She is also an active member in social entrepreneurial circles with great interest in Asia-Pacific start-ups and fin-tech. Queenie received her Bachelor of Arts and Bachelor of commerce in actuarial studies and spanish from the University of Melbourne and is an Associate of the Institute of Actuaries Australia. Queenie is based in Melbourne.
Office manager / executive assistant
Dawn White has over 20 years of experience owning and managing her own business, along with a decade of commercial insurance background. Dawn joined the MicroInsurance Centre at Milliman in December 2012.
Senior project manager
Katie Biese has over nine years of international development and finance experience, including two and half years with microfinance initiatives in Moldova and Nepal. She joined the MicroInsurance Centre at Milliman in 2013 after earning a Master’s in development management from American University, and received the Associate Life Management Institute (ALMI) designation from Life Office Management Association (LOMA) in 2016. She also holds a bachelor's degree in Finance, International business and German from University of Minnesota. In her role as senior project manager, she supports the team with project management, research, backstopping, and business development. Katie has managed and implemented microinsurance projects in more than a dozen countries, as well as managed large research studies in the Latin America and Africa regions. Katie is based in Appleton.
Mariah Mateo Sarpong
Project manager / knowledge management specialist
Mariah Mateo Sarpong has been a member of the MicroInsurance Centre at Milliman team since 2012. She supports the MIC@M mission through project management, backstopping, and leading the firm’s communications and knowledge management activities. Mariah has also been a key researcher and coordinator for regional microinsurance landscape studies. Her international development experience includes projects in St. Kitts and Nevis, Costa Rica, Uganda, and Sierra Leone as well as a Vittana fellowship in the microfinance sector in Ghana. She holds a Master’s in community development policy and practice from the University of New Hampshire and a Bachelor's degree in Anthropology and Spanish from Lawrence University. Mariah is based in Milwaukee.
Nidhi Kushwah joined the MicroInsurance Centre at Milliman as a project manager in June 2019. Nidhi’s past experience includes roles in marketing and business analytics in the technology and healthcare fields in India, as well as project management consulting in the U.S. Nidhi earned her Master of Science (MS) in Management Science with a concentration in Project Management from the University of Texas at Dallas and her Doctor of Medicine degree from Sri Aurobindo Institute of Medical Sciences in Indore, Madhya Pradesh, India. Nidhi is based in Appleton.
John Caroll - John Caroll joined the MicroInsurance Centre at Milliman in August 2019 as a Project Manager. He has over seven years’ experience working in the development field in rural Nicaragua. John’s work focused on assessing community needs and responding with the implementation of sustainable projects, with focus areas in healthcare, clean water, and sanitation. He is excited to continue impacting rural and low-income families through microinsurance. John holds a dual Bachelor of Science degree in Spanish and Religious Studies from the University of Wisconsin Oshkosh. He is based in Appleton.
Binita joined the MicroInsurance Centre at Milliman as a project assistant in August, 2019. She earned her Bachelor of Art’s degree in Economics, with an inter-disciplinary in Innovation and Entrepreneurship from Lawrence University. During her time at Lawrence, Binita gained experience in global development by participating in various student-run organizations and working as an intern in Nepal (Nepal Investment Bank), Germany(DEPRAG), and the U.S. (MicroInsurance Centre at Milliman). In her role as project assistant, she leads and contributes to internal projects as well as provides research and management support to MIC@M clients projects. Binita is based in Appleton.
Clémence is an independent consultant currently working with several organizations, including the MicroInsurance Centre at Milliman. An actuary by training, she has spent 17 years working in the field of general insurance, including ten years on microinsurance.
She has on-site product development experience as well, and has worked with micro-finance institutions (MFIs), insurers, rural banks, NGOs, UN agencies, World Bank 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 four years, she has been focusing on agriculture insurance and Catastrophe (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 (now Impact Insurance Facility) in India in 2009-2010. Clémence is based in Vancouver, British Columbia.
Roland's track record includes two years with a logistics consultancy, where he developed environmentally friendly solutions for freight transportation. He also 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.
In 2006, Roland started his own consultancy business, based in Zurich. He worked as a reinsurance expert for Swiss Re in France, and since 2008 he has been on regular assignments for the MicroInsurance Centre at Milliman. 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 second edition of the Microinsurance Compendium and a discussion paper on microinsurance and climate change. He holds Master's degree in both International Economics and Environmental Science from Institut d'Etudes politiques de Paris and ETH Zurich respectively.
Jan Kerer is a banking and insurance expert with more than 16 years of experience in financial sector and corporate finance consulting, mainly in developing countries. His core expertise is in advising public and private sector entities on how to better serve rural communities and farmers. Jan works with central banks and, insurance regulators as well as with ministries in Africa and Asia to design policy, regulatory, and supervisory frameworks that increase access to financial systems by low-income segments of the population. He also works with banks, microfinance institutions, and cooperatives, as well as insurance and reinsurance companies to develop financial products tailored to the demand and needs of the farming population as well as micro enterprises and small and medium enterprises (SMEs). Jan’s skills range from developing policy papers and strategies, conducting financial sector research, and demand and supply analysis, to business planning and product development. He has restructured organizations, developed and conducted training sessions, and provided guidance on institutional development. Jan began working with the MicroInsurance Centre at Milliman in 2017 where he focuses on agricultural insurance and risk management solutions for rural communities. He holds a master's degree in Business Administration from Vienna University of Economics and Business.
Andrea is a Colombian qualified lawyer specializing in insurance law with 19 years’ experience. She has been working for over 13 years in inclusive insurance, providing advice to international organisations, supervisory authorities, and private companies on “best practices” to design and implement responsible inclusive insurance solutions worldwide. She holds a Law degree from Universidad del Rosario, Bogota, Colombia, and she is specialised in insurance law from Universidad Javeriana, Bogota, Colombia; international economic law from Paris 1, Pantheon Sorbonne, and international and European business law from Paris Dauphine, Paris, France. Andrea speaks fluently Spanish, English and French and is based in London.