Michael J. McCord
Michael McCord 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. His specializations include institutional development for microinsurance, new product development, and assessment and analysis of microinsurance programs. McCord also specializes in microinsurance trainings, advocacy, regulation and supervision, and research.
McCord 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. McCord 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.
Office Manager / Executive Assistant
Dawn White has over 20 years of experience owning and managing her own business, along with a decade of insurance background. She joined the MicroInsurance Centre as the Assistant to the President in December 2012. White is very excited to be a part of this brilliant team and making a real difference in the lives of others.
Senior Project Manager
Katie Biese has over eight years of international development experience, including two and half years with microfinance initiatives in Moldova and Nepal. She joined the MicroInsurance Centre in 2013 after earning a Master’s in Development Management from American University in Washington, DC. She supports the team with project management, research, and business development, and managed the 2013 Latin America and 2014 Africa landscape studies of microinsurance. Biese obtained the Associate Life Management Institute (ALMI) designation from LOMA in 2016 and is based out of Appleton, Wisconsin, U.S.
Mariah Mateo Sarpong
Project Manager / Knowledge Management Specialist
Mariah Mateo Sarpong has been a member of the MIC team since 2012, during which she has been a key researcher and coordinator for the regional microinsurance landscape studies. Mateo Sarpong's 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 Carsey School of Public Policy, University of New Hampshire and a Bachelor's degree in Anthropology and Spanish from Lawrence University. Mateo Sarpong is bilingual in English and Spanish and is based out of Milwaukee, WI, U.S.
Project Support and Research Intern
Dinardo Rodríguez is a native Spanish speaker who was born and raised in Monte Cristi, Dominican Republic. Dinardo attends Lawrence University in Appleton, WI as a Posse Scholar, where he studies International Relations with minors in Latin American Studies and Innovation & Entrepreneurship. Rodríguez has had experiences in the realm of finance before, holding internship positions for both Deutsche Bank and Pricewaterhouse Coopers prior to his time at the MicroInsurance Centre. Dinardo is excited to take those experiences and learn to apply them to the microfinance space – specifically microinsurance.
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'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 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 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 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 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 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 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 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 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.
Ishmael Ohene Asamoah
Research and Actuarial Analyst Intern
Ishmael is currently a Graduate Teaching Assistant at the University of Akron in Ohio. He interned at the MicroInsurance Centre from May through July, 2015 as a Researcher and Actuarial Analyst. Ishmael holds a Master of Science in Actuarial Science in the Mathematics Department at Illinois State University. His insurance industry experience dates back nearly ten years when he received training as a life insurance agent for SIC Life Insurance Company in Ghana. He also tutored students in undergraduate-level mathematics and investment at Illinois State University.
Research and Actuarial Analyst Intern
Frank received his Master of Science in Actuarial Science from the Mathematics Department at Illinois State University in May, 2015. He began his career in insurance and actuarial work at Unique Life Assurance in Accra, Ghana. Other insurance experience includes an internship at American Family Insurance in Madison, Wisconsin and graduate-level research and mentoring at Illinois State University. As an intern at the MicroInsurance Centre, Frank performed microinsurance data analysis and collaborated with staff and consultants on various projects. Frank currently works as a Data Quality Analyst at Caterpillar Inc.
Amaan N. Khan
Amaan interned at the MicroInsurance Centre from September, 2014 through March, 2015. An international student from Lahore, Pakistan, he graduated from Lawrence University with a degree in Government and Economics. Amaan currently works as a Government Relations and Legal Affairs Associate at the Innovation Pavilion in Denver, CO. He is a native Urdu speaker, is proficient in French and can converse fluently in Hindi and Punjabi. His extensive internship experience includes work at human rights organizations such as Amnesty International, international law think tanks such as Research Society of International Law, Pakistan, corporate law firms, and various other institutions.
Armelle Otou Minkala
Armelle joined the MicroInsurance Centre as an intern from June, 2013 until July, 2014. She is a native French speaker from Yaoundé, Cameroon and her developing world experience drives her interest in economic development and she hopes to pursue a career in this field. She has experience working with not-for-profit organizations such as Appleton Downtown Inc. and the Lawrence University Alumni, Development and Communications Office. Armelle graduated in June, 2014 with a Bachelor’s degree in Economics and Government (International relations) from Lawrence University in Appleton, WI. Armelle is now based in Chicago, IL as a Fellow at the Academy of Public Health at West African Academy of Public Health.
Valerie Doris Kessie
Valerie joined the MicroInsurance Centre as an intern from October, 2013 through September, 2014 while a student at Lawrence University in Appleton, WI. She has experience working with the Environmental Protection Agency (EPA) in Washington D.C. and also, with not-for-profit organizations such as MAYSHA and the West- African Medical Missions (WAMM) in Minnesota. Valerie graduated in June, 2014 with a Bachelor’s degree in Environmental studies (policy) and French from Lawrence University. She is currently a Proposal/Marketing Coordinator at Michael Baker International in Washington, D.C.
Alyssa joined the MicroInsurance Centre as an intern in October of 2013. She continued on as a Research Assistant on the team working on the 2014 Landscape of Microinsurance in Latin America and the Caribbean and the 2015 Landscape of Microinsurance in Africa. Alyssa is a 2014 graduate of Lawrence University, where she studied Government and Spanish. During her time at Lawrence, Alyssa's interests in international development, human rights and journalism led her to internships with the Washington Office on Latin America (WOLA) in Washington, D.C., and KidsGive, a non-profit that promotes children's education in Sierra Leone. She also studied Latin American politics and economics at the Universidad de Belgrano in Buenos Aires, Argentina. Currently, Alyssa is a Grants Assistant at a private foundation in western Los Angeles, California.
Regina Cornish is a native Spanish speaker who was born and raised in Monterrey, México. She studied Government and Psychology at Lawrence University in Appleton, WI. Regina interned at the MicroInsruance Centre from the summer of 2014 until January, 2015 as a Research Assistant in the Landscape study of microinsurance in Latin America and the Caribbean. Regina has volunteered multiple times with Operation Smile and was fortunate enough to go on several operating missions to Chiapas, México as well as attend a leadership conference in Beijing, China. Additionally, Regina interned at the World Trade Organization, International Labor Organization, and the United Nations in Geneva. She also worked as a Project Manager for the Health Development Initiative in Kigali, Rwanda, and is currently working in the Mexican Government in a program on microfinancing.
Aimen interned with the MicroInsurance Centre from September, 2011 until June, 2012. He attended Lawrence University as an international student from Lahore, Pakistan, and graduated in 2013 with his Bachelor's degree in Economics and Government, cum laude. Aimen currently works as a Business Solutions Consultant for Google in Singapore.
Regina joined the MicroInsurance Centre as part of the Africa Landscape 2012 research team in July of 2012 and continued as an intern until June, 2013. She was also a member of the research team for the Landscape of Microinsurance in Africa 2015. Regina earned her Master's degree in Development Studies from the Graduate Institute of International and Development Studies in Geneva, Switzerland and her Bacherlor's Degree in Economics and French from Lawrence University. She is currently residing in her home country of Ghana and working as an Independent Development Consultant.
Originally from Topeka, Kansas, Molly attended Lawrence University and graduated magna cum laude in 2012 with her BA in Economics and Anthropology, Interdisciplinary program in International Studies. Molly interned with the MicroInsurance Centre from January, 2011 until June, 2012 when she became a full-time staff member until April, 2013. She then worked as a Project Associate for Innovations for Poverty Action in Bungoma, Kenya until 2015 when she began her graduate studies in Development Economics at UW-Madison.
Tasmia interned with the MicroInsurance Centre from October, 2010 until May, 2011. In 2011 she graduated from Lawrence University with her BA in Economics, Government and International Relations. Tasmia has since worked at Tata Consultancy Services in Eidson, New Jersey and BRAC Social Innovation Lab in Dhaka, Bangladesh, among other positions. She recently earned her Master's degree in International Development Policy from Georgetown University in Washington D.C. and currently works as a Research Analyst for the Global Insights Initiative at The World Bank.