A Senior Executive in the Insurance and reinsurance industry, known as a strong underwriter, team leader with strategic and hands-on expertise, that gets involved in all lines of business for insurance or reinsurance underwriting operations, with more than 25 years of extensive and diverse International and U.S.A. experience, as well as developing and implementing expansion and growing initiatives, while creating high-performance teams that deliver outstanding, profitable and sustainable results. Extensive experience in micro and inclusive insurance and affinity products with life and non life components, for insurance or reinsurance operations, product development, pricing, marketing and distribution, risk assessment, development of core business underwriting strategies, orchestrating client-driven, client centric, cross-functional and multicultural insurance solutions that drive high performance top-line and bottom-line results. . Currently deeply involved in the development of life and micro insurance programs in different territories on a global basis. An expert industry underwriter, with a passion for developing risk transfer solutions for the emerging population. Fluent in English, Spanish with strong business knowledge in Portuguese.