Company founder; responsible to define the Companies’ value offer, vision and values. Development and implementation of the commercial strategy and key projects.• I identify opportunities in the strategic and operational advisory market for insurance companies.• I run the start-up of the company, including legal, operating and commercial aspects• I gather a partner team with complementary skills in IT, statistics and finance in order to fulfill the profile of the company.• With limited resources I design and implement the Company’s inception strategy.• In a short time period I had developed an International Customer Portfolio including Brazilian, Canadian, American, Sweden and Mexican companies, developing products, business analysis, reserve calculation tools and strategic plans.

• Líder del equipo de trabajo que propuso e implemento el “Plan estratégico de la operación de vida del periodo 2018-2023, definiendo segmentos y productos preferenciales, desarrollar un modelo operativo con enfoque al nuevo negocio, la operación de vida representa el 15% de las primas y 30% de las utilidades de la empresa• En 2016 promoví e implemente una salida del segmento de Grupo Vida Experiencia propia, con ello se pasó de una pérdida de 200 millones a una utilidad de 100 en eses ejercicio• Definí e implemente el Marco único de control, un esquema de trabajo que concentra todos los requerimientos de las áreas transversales, con ellos se logro eficiencia, se liberaron recursos para atender al asegurado.• Desarrolle la Función de “Gestión y Conocimiento” que logro homologar manuales, registro de incidentes y núcleo de simplificación, con esto se esta generando una cultura de reporte y control, durante los últimos 4 años el área de vida fue reconocida como la mas apegada a estándares.• Modifique los esquemas de selección incorporando figuras como el Concierge de Vida, para análisis y resolución de casos de los agentes mas importantes.• En cuanto a productos impulse y registre el primer producto en México desarrollado con el esquema “SandBox” para agilizar el tiempo de desarrollo y limitar el riesgo técnico y operativo• Impulse el crecimiento y desarrollo de mi equipo creando espacios de discusión y mejores practicas como el “Circulo de Vida” un espacio donde se presentaban y discutían casos que afectaban a toda la operación, el “Seminario de Vida” un foro anual donde el equipo se ponía al tanto de actualizaciones de manuales y políticas a la vez que revisamos temas de actualidad

• Desarrolle y presente a la CNSF el Plan de negocio para que NEOSALUD operara como una ISES, la compañía fue autorizada para iniciar operaciones.• Desarrolle e implemente los procedimientos técnicos, operativos y financieros para la revisión operativa de la CNSF• Implementación del sistema de registro operativo• Desarrolle el Esquema de suscripción para productos especializados en CANCER• Estructurar equipo de apertura en funciones básicas

• For the main company’s initiatives I develop and implement a KPI Metric dashboard to track the performance of the business, in regular bases I write down a rational for the senior management and board, of the state of the art of the initiative, including technical (reserves, claims, reinsurance), commercial (activity and closing ratios, average premium) and operational (persistency, collection, withdrawing experience) issues An application of this was an early trend detection program for key variables, applicable for Employee Benefits, involving the functional areas of Sales, IT, Underwriting, Claims and Actuarial. This program had immediate effects in the profit margin and service indicators, for Group Medical the operational result was improved in more than $5M from 2009-2010• I led a local initiative to deliver the financial information to Home Office timely and accurately, with a deep impact in the company’s culture, swinging values like engagement and compromise, the result was to reduce the preparation period from 18 to 6 days and the operation grade from “D” to “A” . • I developed a procedure for reinsurance operations to produce the monthly figures in a reliable way, accurately, timely and consistently. This robust dataset was the key element for improve the treaty conditions and gain a discount of 20% in the premiums • I reviewed and improved as required, all the pricing assumptions, through the development of experience studies for individual life and personal accidents. With this the competitive position of the company was strengthen.• I contributed to increase the market share for individual personal accidents from 0% to 7% in the period 2006 to 2011, through the design and implementation of the anchor product which includes more than 30 benefits which can be mixed up according to the channel and target market requirements.

Chief Actuary and Chief Operations Executive for Mexico’s branch, I was in charge to develop procedures, applications and products to attend the commercial and Home Office requirements. •I developed and filed the initial business plan to the superintendence in order to get the approval to start up the company; in the initial inspection to validate the completeness and integrity of the procedures any remark was posted.• I developed from the ground the complete platform to run the company, underwriting, issuing, claims, reinsurance, financial report, statistics, commercial support and service to the customer.• Manager of the underwriting, claims, reinsurance, reserve reporting, statistics.