Rafael Carrero is a Chief Executive Financial Officer at Multinational Insurance Group, a family-owned enterprise with diverse operations in Puerto Rico, Panama, and the Caribbean, serving over 500,000 customers and generating over $700 million USD in annual premiums. With more than 15 years of extensive experience across the entire value chain of insurance and wealth management, Rafael Carrero has a proven track record of identifying and converting business opportunities into successful ventures. As a member of the founding family and the Board of Directors, he participates in the strategic planning and decision-making; motivated by a deep passion for tecnhnology, he is constantly seeking innovation and staying ahead of the curve of industry treds. He is also a leader in crisis management and adverse scenarios, having initiated and led the expansion to new markets since 2005.In the realm of corporate finance Rafael participates in strategic financing planning and decision making to manage the resources across various business areas (operations, sales, underwriting, claims, and reinsurance). Rafael continually analyzes the company's strengths and weaknesses as a whole in the context of risk management and competitors' analysis. This analysis guides the implementation of corrective actions, taking into account macroeconomic factors and market trends. Additionally, he actively engages in strategic portfolio management of the financial assets, implementing investment strategies ultimately striking a perfect balance between risk and profitability. Faced with the challenges of the industry, Rafael has ventured into premium financing. Since 2018, he has been the founder and Chief Executive Officer of Impulse Finance, a financial services company located in Puerto Rico. The company provides innovative solutions for insurance premium financing, empowering individuals to acquire their insurance policies. To date, Impulse Finance has distributed approximately $40 million USD in the current active credit portfolio.