Over the last 25 years I have seen business models evolve in insurance industry. In 2018 the Insurance Distribution Directive accelerated the transformation of the insurance market, the following year the Product Oversight Governance became operational, the application of the Digital Operational Resilience Act is now around the corner. The implementation of each of these directives is substantially transforming insurance processes and models. New methods of distribution and operation such as Embedded Insurance and Open Insurance can only take into account the evolution of Governance in the insurance field. The drive deriving from the use of Big Data and Artificial Intelligence must necessarily be routed along the guidelines set by European regulators.In order to capitalize on the skills acquired and at the same time keep them alive in a rapidly evolving world, I decided to accept a new challenge and lead DRAVE's innovative processes. What does it mean? It means scouting the technological solutions available and adaptable to the insurance world, it means reorganizing the underwriting processes in order to be complicit by design rather than passively undergoing auditing cycles, it means thinking about how to transform insurance products to make them compatible with the Industry revolution 4.0, means objectively certifying that each end customer is offered a solution in line with his needs, it means leaving the dichotomy platform = exchange between efficiency in issuing and flexibility in pricing. This is the work that I have chosen today and that I carry on with DRAVE.

In charge of a broad range of products across a broad range of distribution channels.My divisions span from Employee Benefits schemes to Leisure Travel products to Mobile Insurance to products for Utilities' customers .My goal is to find the right distribution channel among brokers, agents, MGAs and even Direct for each customer segment.Once done that I still have to focus on the efficiency of each channel, this because the value for money for the customer needs to be fair. The big effort is to create a seamless process for the customer.It's no longer the time to push a product, to create a need or to stimulate it. It's time to meet the customer at the right time in the right place with the right value proposition.

In charge of all distribution channels for all lines of business in Italy.

- in charge of Direct Marketing and Loyalty operations for A&H and PL- Responsible for Leisure Travel activities- Development of programs to distribuite insurance products to final customers dealing directly with Partners or in conjuction with brokers.- Explored insurance direct distribution outside the common financial insititution working with goods distribution, digital service providers and broad market.- working in a compliance and legal challenging enviroment with particular reference to distance sale (both digital and telemarketing)- working to add value for our customer base directly managing customer service for Travel, Loyalty and Direct Marketing channels.- developed relationships with OSP for managing sales, customer service and claims for the served channels.

- in charge of all aspects of A&H operation in Italy- up to 14 headcounts to be managed- developed business in different channels: brokers, agents, public tenders, direct marketing, digital, travel agencies and bancassurance.- positioned as largest specialty book of business in the Region and third Group Personal Accident portfolio outside US.- Delivered profit on a Stat basis every single year- growth young talent like the Specialty Manager- changed mix of business in Alpha broker, balancing the portfolio share among all brokers - recovered Dm operations from Alico's joint venture and created a new team

- developed A&H Specialty Risk portfolio in Italy with particular reference to a large School Insurance scheme- Managed underwriting authorities for up to 7 underwriters- Managed A&H portfolio underwriting with a diversified mix of business: Group Business, Individual schemes, Large Specialty schemes, Direct Leisure Travel and Direct Marketing, reporting a profit every single year.- Managed directly relationship with Marsh broker.

- Group PA case underwriting- Business Travel case underwriting- portfolio review- Broker agreements underwriting

- underwriting of Personal Accident coverage and Motor coverage- issuing of policy documentation- portfolio underwriting