NBIS - Key Persons
Adam Sandström is responsible for DUAL Nordics offering within M&A insurance. Adam was until recently a legal advisor at Doktor.se with responsibility for legal and strategic advice in acquisitions, market expansion and business development. Adam has previous experience in M&A from his time as a lawyer at Mannheimer Swartling.
Job Titles:
- Head of Finance, Controlling and Compliance
Anders is responsible for DUAL Nordics financial activities, procedures, and strategy. Also developing strategies regarding compliance and governance. Anders joined us from his previous role as risk manager in the Swedish Armed Forces where he was responsible for internal governance, compliance, and financial activities.
Job Titles:
- Executive Vice President, Energy
Job Titles:
- Chief Personal Lines Officer
Andy was appointed Chief Personal Lines Officer of DUAL North America in 2021. Andy oversees strategy, underwriting, and performance of all DUAL North America personal lines products including wholly owned subsidiary NALICO General. Andy previously served as President of NALICO General Agency, and he formerly held executive positions at ReAlign Capital Strategies and Personable Holdings, Inc. He helped form Align General Insurance Agency in 2003 after eleven years at Arrowhead General Insurance Agency. A graduate from U.C. San Diego, Andy achieved degrees in Economics and Law & Society.
Job Titles:
- Chief Operating Officer, DUAL Europe
Annett has a legal background, and has been working in the insurance industry for more than 25 years. She worked with the Treuhandanstalt-captive broker after the fall of the German wall, negotiating and administering huge frame-contracts, which held all non-privately owned risks in former Eastern Germany. Following this, she took on a Financial Lines underwriting role with a FL-MGA in Cologne where she worked for 6 years, then led a Unit with Zurich Insurances in Cologne and Frankfurt for 6 years. Annett joined DUAL in 2012 as head of claims for DUAL Deutschland, then moved to head internal affairs, before being promoted to MD, DUAL Deutschland. Annett moved to a pan-European role as COO, DUAL Europe in 2023.
Job Titles:
- Managing Director for DUAL Benelux
Aram is the Managing Director for DUAL Benelux and Head of Marine for DUAL Europe, having joined in 2023. He has 17 years of experience as an Underwriter in various roles and more than 20 years of experience in the maritime industry in loss prevention and as a claims surveyor.
In his spare time, Aram plays in a rock n roll band and regularly performs, as do his two daughters.
Job Titles:
- Managing Director
- Managing Director of DUAL Underwriting Ireland DAC
- Managing Director, DUAL Ireland
Barry O'Dwyer is the Managing Director of DUAL Underwriting Ireland DAC, having established DUAL's Irish business in 2015. DUAL Private Client has since grown to become one of Ireland's principal High Net Worth insurers, specialising in private homes, jewellery, fine art, as well as luxury and high performance cars, private fleets and classic car collections. Barry has over 25 years' experience in the industry, with 10 years in Aviva in a variety of management roles and a further 10 with Chubb, where he ran their HNW division. Outside of work, Barry likes to play golf (badly) and keep fit by running the (very) odd marathon.
Joining the team in 2024, Barry brings years of insurance experience to DUAL. Working with some of the most reputable companies in the industry he has expertise in personal and commercial insurance, and with great attitude and focus on excellent service levels he is an asset to the team.
In his spare time he loves nothing more than long walks with his wife and their prized pup Freddie.
Job Titles:
- Executive Vice President, Surety
Job Titles:
- Chief Actuary, Europe & UK
Catherine joined DUAL in January 2024 and is responsible for the pricing and reserving across the UK and Europe. Catherine previously worked as the Chief Risk Officer in MS Amlin's reinsurance entity based in Switzerland and Bermuda before returning to London to take up the same role at IQUW, a Lloyd's managing agency.
Ciaran joined DUAL Ireland in 2023, and is an experienced commercial and personal lines Underwriter. Ciaran has worked in insurance for a number of years and alongside his career in underwriting has also worked with some of the biggest brokers in Ireland, bringing technical expertise and great industry relationships to the team. A environmental and charity enthusiast, Ciaran is a big promoter of ESG and has organised many charity events for the company.
In his spare time he likes to travel and socialise with family and friends.
Job Titles:
- Officer
- Chief Casualty Officer
Connie was appointed Chief Casualty Officer of DUAL North America in July 2023. She is responsible for overseeing DUAL's Commercial Casualty and Financial Lines divisions, driving growth initiatives, optimizing underwriting performance, and enhancing carrier partner relationships. Prior to her current role, Connie served as the President of an Insurtech startup and prior to that, she served as the President of Specialty Casualty at Everest Insurance. Having served in a variety of leadership roles in the specialty casualty insurance sector, she brings nearly 30 years of industry experience to DUAL.
Job Titles:
- EVP, Specialty Construction & Transport
Job Titles:
- Chief Financial Officer, DUAL Europe
With over 25 years' finance and administration experience, also as Finance and Accounting Director at Fis Fiduciaria Generale, Company of Ernst&Young International Group, Daniela Rubes joined DUAL Italia in 2009 as CFO and HR Director.
In 2022, she was appointed CFO DUAL Europe.
Job Titles:
- Head of Underwriting Private Client
Darren was appointed Chief Financial Officer of DUAL North America in October 2024. He is responsible for leading DUAL North America's Financial Strategy and supporting the business teams' growth and profitability. Darren has worked for the DUAL Group for 6 years, serving previously as DUAL UK CFO and Group Finance Director in London, UK. Darren has broad insurance industry experience in Finance, operational and finance leadership roles, including time with the Catlin/XL Group and with a startup Unit of AXA Insurance. Darren is a Fellow of the Association of Chartered Certified Accountants, UK.
Job Titles:
- Head of Marketing, DUAL Europe
Journalist and communication consultant with over 15 years' experience, Diana Pastarini joined DUAL Italia in 2014. Responsible for marketing strategy, internal and external communications, media relations, she also manages corporate social responsibility initiatives, volunteering programs and D&I awareness.
In 2022, she was appointed Head of Marketing, DUAL Europe.
Job Titles:
- Head of Specialty Healthcare
Ebba is working with DUAL's Nordics Cyber offerings for SMEs. She previously worked with Cyber insurance as a trainee at If and has a huge interest in the field.
Job Titles:
- Senior Vice President, Professional Liability
Job Titles:
- Senior Vice President, Director of Workers Compensation
Emile has many years of experience within the insurance business from his roles as Casualty Manager at both If Insurance, Trygg-Hansa, Moderna Försäkringar and Zurich. With his solid experience and great network Emile has the role as Head of Financial Lines underwriting at DUAL Nordics.
Job Titles:
- Senior Advisor DUAL Nordics
Erik has over 30 years of experience within the insurance industry and is a nestor within Financial Lines. Erik was involved in establishing Chubb in Sweden in the 90s and has also been active in Volvo for many years. With his long and solid experience Erik contributes as an advisor to DUAL Nordics.
Job Titles:
- Commercial Director, DUAL Europe
Floris joined DUAL Europe's leadership team in June 2022 as Commercial Director. He has extensive experience in both the commercial and reinsurance sectors, which plays a key role in making DUAL Europe the specialty market of choice for quality brokers. With over 25 years industry experience, and a proven track record in driving growth, Floris offers a broad level of expertise, having also previously spent 10 years at Allianz, most recently as Managing Director of Global MidCorp. Floris has also held various roles at Swiss Re including Head of CEO Office. Floris started his career at Aon Risk Solutions.
Job Titles:
- Managing Director, DUAL Deutschland
Frank joined DUAL from German insurer Gothaer, where he has held several roles since 2012, serving most recently as Head of Liability and Financial Lines. He has also worked at HDI-Gerling Firmen und Privat Versicherung and Nassau Versicherungen.
He joined DUAL in October 2023 as Managing Director, DUAL Deutschland.
Job Titles:
- Managing Director, DUAL France
Guillaume, based in Paris, joined DUAL from Everest where he held a variety of senior roles, most recently as Head of Financial Lines, Everest France. Prior to this he was Managing Director Continental Europe, Navigators and Chief Underwriting Officer, CAMCA, the insurance subsidiary of Crédit Agricole Group.
He was appointed DUAL France Managing Director in 2024.
Job Titles:
- Senior Underwriter Financial Lines
Gözde has several years of experience within insurance sector from Sweden and abroad. In her previous role she worked as Senior Financial Lines underwriter at AIG. Prior to that Gözde also worked as Financial Lines broker and Multinational Clients Services leader at Marsh.
Job Titles:
- Managing Director, DUAL Austria and CEE
Hannes joined DUAL in 2012 to open DUAL Austria which is now one of the leading Financial Lines provder in the market. In 2015, DUAL Austria became the DUAL Hub for CEEC and SEEC and Hannes' role focuses not only on managing the Austrian business, but also expansion into CEE countries.
Hannes studied law and insurance law at the University of Graz. After finishing his studies, he worked for Vienna Insurance Group as Casualty and Financial Lines underwriter for key accounts. In 2004 he was hired by the GrECo Group, the leading broker in CEE/SEE, where he became head of liabilities and head of Financial Lines.
Job Titles:
- Business Development Executive
Helen Furlong is one of the newest members of the Dual Underwriting Ireland DAC team. She joined the team as a Business Development Executive in 2020. Helen has a cumulative proven track record of over 12 years within Patrona Underwriting Ltd., Wexford Insurance Brokers and Quinn Direct Insurance. The positions she has grown in during her career are Regional Claims Manager, Personal Lines Manager, Team Leader and Private Product lead with a focus in Training and Business Development. In her down time, Helen loves to spend time gardening which is a passion of hers and also loves to include her garden when socialising with friends and family. She enjoys going for a stroll, seeing a good film at the cinema, or having a nice glass of vino with a tasty meal.
Job Titles:
- Senior Underwriter Head of Construction & Engineering Nordics
Håkan is responsible for DUAL Nordic's Construction & Engineering offering, holding over 30 years of experience in the insurance industry with focus on C&E business. In his previous role Håkan was a Senior C&E Underwriter at Gar-Bo Försäkring and has also been SUW for C&E at Trygg-Hansa and Zurich and broker within Marsh.
Job Titles:
- President, Environmental Liability
James Cullen is a High-Net-Worth underwriter for DUAL Underwriting Ireland DAC, who joined the company in July 2022. James has over 6 years' experience in the industry. Having started his career as an insurance administrator, he progressed by running various personal lines teams and he lead the introduction of numerous insurance products to the market. James has also expanded his experience outside of Insurance, gaining communications and marketing experience in one of Ireland's top universities.
In his spare time, James is an avid runner. He enjoys the arts and culture of Dublin, with an appreciation of live music.
Job Titles:
- Senior Vice President, E & S Property
Job Titles:
- Executive Vice President, Commercial Auto
Jerry was appointed Chief Operating Officer of DUAL North America in 2021. Jerry's responsibilities include overseeing operational policies, procedures and day-to-day operations; overseeing budgeting, planning, maintenance, and efficiency for operations and IT infrastructure; enforcing company standards and compliance; and managing hiring and staffing as required for operations and IT. Prior to his current position, Jerry held the Chief Operating Officer role at Align Financial Holdings and previously held positions of increasing responsibility during his 21 years at Arrowhead Insurance Agency, Inc. Jerry graduated from San Diego State University with a Bachelor of Science in Finance and holds an active P&C and Surplus Lines license in all 50 states.
Job Titles:
- Underwriting Manager Cyber
Johan is responsible for DUAL Nordic's cyber offering, holding many years of experience in cyber insurance. In his previous role Johan was a Senior Cyber Underwriter at If and previously an underwriter for Cyber and Liability within Moderna Försäkringar.
Job Titles:
- Managing Director, DUAL Finland
Johan has a Bachelor's degree in Nautical Science from Novia University in Finland and a Master of Science degree from Chalmers University of Technology in Sweden. Johan spent almost 10 years at sea as a deck officer before moving over to the insurance industry, where he has 15 years of experience. Before establishing DUAL Finland in 2015, Johan worked for Alandia Marine insurance company where he was in charge of the Finnish and Baltic accounts. DUAL Finland is today the largest MGA in Finland writing Real Estate, Commercial Combined, Cyber and Financial Lines. Johan manages a team of seven people including underwriting, claims, finance and operations.
John was appointed Chief Executive Officer of DUAL North America in October 2021. He is responsible for leading DUAL North America's management and underwriting teams' growth and profitability, along with driving strategic vision for the company. John has 30 years of insurance and management experience. Prior to his current role, John was at Align Financial Holdings, LLC where he held roles as Group President as well as President of Catalytic Risk Managers and Align General. John graduated from the University of Southern California, Marshall School of Business with a B.A. in Finance.
Jon was appointed Chief Property Officer of DUAL North America in 2021. Jon is responsible for all underwriting strategies, decisions, proficiency, development, and performance across all property lines. He works in partnership with Property Division Presidents to ensure results are achieved consistent with outlined objectives and business strategies. Prior to his current role, Jon served as the Chief Underwriting Officer of Catalytic Risk Managers and previously held the role of President at Western Re for eight years. He has also held positions at North Shore Management Associates and Rollins Burdick Hunter (Aon). Jon graduated from the University of Missouri in 1989 with a Bachelor of Journalism degree and a U.S. History minor.
Job Titles:
- Managing Director
- Managing Director, DUAL Nordics
Kajsa has nearly 30 years of experience from various leading positions within the insurance industry from companies like Trygg-Hansa, Moderna Försäkringar, Zurich, Marsh and If. Since 2023 Kajsa has been the Managing Director of DUAL Nordics and together with her wealth of experience and highly specialised team of underwriters she is building a completely new insurance business in the Nordics.
Kajsa joined DUAL in April 2023 and is the founder of DUAL Nordics, servicing Sweden, Norway and Denmark. Kajsa brings more than 30 years' experience in the insurance industry in underwriting, leadership and sales roles. Previous roles include; Head of Sales for Commercial & Corporate and a member of the Commercial & Corporate management team at Trygg-Hansa/Tryg; Chief Underwriting Officer at Zurich Nordic; Head of Underwriting at Trygg-Hansa/RSA and a senior broker at Marsh.
Kajsa has a Master of Economics & Political Science from the University of Stockholm
Job Titles:
- Head of Business Development for DUAL Underwriting Ireland DAC
- Senior Underwriter
Kate O'Connor is the Head of Business Development for DUAL Underwriting Ireland DAC. Kate joined DUAL in 2015 as a Senior Underwriter and has played an intricate role in growing the business over the years. Previously in AIG, Kate has over 10 years' experience in the insurance industry with a strong focus on underwriting and business development. Outside of work, Kate enjoys playing rounders and lifting weights in the gym.
Kerri joined DUAL Ireland in 2023 having previously worked with some of the biggest brokers and insurers in the country. Since joining DUAL, Kerri has brought her professionalism and expertise to the team as well as fostering great relationships with all our partners. A big sea-swimming enthusiast; Kerri spends her weekends running and swimming, as well walking one of her five dogs (hoping to add another one soon).
Job Titles:
- Head of Strategic Planning
Kimberly was appointed Head of Strategic Planning for DUAL North America in 2021. She works with the executive team and division leaders to identify, evaluate, recruit and launch new programs onto the DUAL platform. She also works closely with leadership to identify opportunities to expand existing programs and teams leveraging their strong expertise and position in the market. In addition to exploring new program and expansion opportunities, Kimberly works with leadership to define the company's annual strategic initiatives to ensure growth goals are achieved.
Lacey joined the DUAL team in June of 2022, as Head of Human Resources at DUAL North America. Lacey leads the DUAL Human Resources team in the development and delivery of our key initiatives in recruitment, people & organization development, and HR operation initiatives in the U.S. Prior to joining DUAL, Lacey spent nearly five years with Qualcomm in various leadership roles, most recently holding the position of Senior Manager, Human Resources. She holds a Bachelor of Arts in Psychology and a Master of Science in Industrial and Organizational Psychology from San Diego State University.
Job Titles:
- President, Cyber and Technology
Job Titles:
- SVP, Specialty Construction & Transport
Madeleine workes as an Assistant Underwriter and support the underwrites with different tasks. She has worked within the insurance industry since 2001 both at Europeiska ERV and Trygg-Hansa. She's a specialist at being a generalist and has had various roles, such as Insurance administrator, Team leader, Group Manager and as an Marketing & Communication Coordinator.
Job Titles:
- Chief Underwriting Officer, DUAL Europe
Maria brings a wealth of experience from her diverse career, having worked with brokers such as Aon and Marsh, and global insurers including AIG. Most recently, she held a key role at QBE as Europe Deputy Underwriting Manager and Head of Financial Lines.
She joined DUAL Europe as CUO in September 2024.
Job Titles:
- Managing Principal, Crisis Management
Job Titles:
- General Counsel, Europe
- Member of the European
Martin is a member of the European executive team and oversees the legal function across Europe. He joined DUAL in 2023, after 5 years at the Ardonagh Group and 8 years at international law firm, Norton Rose Fulbright where he specialised in insurance law.
Based in London, in his spare time Martin enjoys reading, cooking, electronic music and sports.
Job Titles:
- Executive Chair, DUAL Europe
With over 40 years' insurance experience as sales and marketing director for several companies including Prudential Vita, Duomo, Winterthur Assicurazioni and Royal Sun Alliance, Maurizio Ghilosso joined DUAL Italia in 2005. He steered the Italian operation toward a new strategy successfully becoming the largest Italian MGA.
Job Titles:
- General Manager, DUAL Italia
Bringing over 20 years of experience in the insurance field, Mauro Semenza has established his notable career starting in 2000 with R.I.B. Reinsurance International Brokers in the Liability department. Since joining DUAL Italia in May 2004 as an Underwriter, Mauro has progressed to roles of increasing responsibility: in 2008, he assumed the position of Underwriting Director, adding also taking the role of Sales Director in 2013.
He was appointed General Manager of DUAL Italia in 2023.
Job Titles:
- Managing Director, DUAL Swiss
Michael Wyss brings twenty years of extensive experience in the insurance industry to his role at DUAL Switzerland. He began his career as a D&O Underwriter, where he developed a solid foundation in underwriting and risk assessment. Over the years, Michael advanced to lead international teams at prominent firms, such as Tokio Marine HCC, where he played a key role in strategic development and operational leadership.
Michelle was appointed Chief of Staff of DUAL North America in March 2023. She serves as a strategic advisor and partner to fellow executives, overseeing DUAL's strategic goals and cross-functional initiatives throughout the organization. Prior to her current role, Michelle served as Chief Financial Officer of Align Financial Holdings where she was responsible for leading the corporate accounting and financial operations teams. Michelle is licensed in California as a Certified Public Accountant and graduated from San Diego State University with a Bachelor of Science degree in Accounting.
Job Titles:
- Head of Transactional Risk
Job Titles:
- President, Excess Liability
Job Titles:
- Head of HR for DUAL Europe
- Head of Human Resources, DUAL Europe
Natalia is Head of HR for DUAL Europe, and joined the company in 2023. She holds 18 years of experience in HR across a number of industries, and geographies, with core focus on talent development and rewards areas. Outside work, Natalia trains multi-sport and enjoys time with her family.
Job Titles:
- CEO
- Chief Executive Officer, DUAL Europe
Olaf was appointed CEO, DUAL Europe in 2022 and is responsible for leading DUAL Europe's management and underwriting teams' growth and profitability, along with driving strategic vision across 12 countries. Olaf is also a member of the DUAL Group Executive Committee. He joined DUAL in 2011 as an underwriter and held several roles, including Head of Underwriting, before he was appointed MD of DUAL Deutschland in 2019. Olaf started his insurance career with DBV (now AXA) in 2002, and also worked at Creditreform responsible for rating companies. Olaf studied Business Administration at the University of Applied Sciences in Cologne.
Paul McGennis leads the Title Insurance team in Ireland and brings over 30 years' experience as a Lawyer in Ireland, in the Real Estate sector.
Job Titles:
- Executive Vice President, Fine Arts
Ranjit joined DUAL in December 2022 as Chief Risk Officer. Working with key stakeholders across DUAL and the Howden Group in developing and enhancing enterprise risk management approaches, Ranjit is responsible for leading the company's risk and compliance vision and strategy. He reports on risk exposures, identifies key emerging risks, and ensures the delivery of appropriate risk responses. Prior to joining DUAL, Ranjit had 25 years of experience in international financial services experience across consulting and corporate risk roles at companies including Swiss Re and EY. He is a graduate of Staffordshire University in the UK where he obtained a B.A. (Hons) in Law.
Job Titles:
- COO
- COO, DUAL UK & Europe
Becky joined DUAL in 2019. As COO, Becky looks after the IT, Data, Change, MI and Operations teams including oversight of our Outsourced functions. Prior to joining DUAL, she worked at Hiscox for over 18 years in progressively senior roles including Brexit Business Solutions Lead and CFO/COO of its MGA Business Unit.
Job Titles:
- Chief Marketing & Business Development Officer
Ryan was appointed Chief Marketing and Business Development Officer of DUAL North America in 2021. Ryan is focused on centralizing marketing management initiatives across all DUAL programs, creating brand awareness strategies, and improving technological enhancements for increased efficiencies and productivity for DUAL producers. Prior to his current role, Ryan served as President of Deposit Choice, a subsidiary of Align Financial, and he has held a number of leadership positions over 25 years in the insurance industry, from Chief Marketing Officer at Arrowhead General Insurance Agency to President of Prospect Insurance Agency, part of Palomar Holdings.
Job Titles:
- Chief Information Officer
Scott was appointed Chief Information Officer of DUAL North America in August 2024. He is responsible for driving innovation, implementing advanced technology solutions, and promoting continuous improvement that will be pivotal in shaping DUAL's technological future. He oversees DUAL's technology team, including the Heads of Production Applications, Technology Research and Development, and IT Infrastructure and Corporate Applications. Scott joins the team with 25 years of extensive expertise in the technology space across various industries.
Job Titles:
- Senior Underwriter, Cyber and Technology PI
Job Titles:
- Chief Risk Officer, DUAL Europe
Sonia has over 19 years of experience in the insurance industry and joined DUAL in 2023. As a member of the European executive team, she is responsible for overseeing the risk and compliance functions across Europe.
Sonia studied Law at the Sorbonne University in Paris and is a qualified lawyer. She began her insurance career with the ACPR (French insurance regulator) in 2005, and later worked at the FFA (French Insurance Association) in 2008. Subsequently, she moved to Luxembourg, where she worked for both life and non-life insurance companies.
Her deep understanding of European insurance regulation and her extensive background in the industry supports DUAL's commitment to maintaining high standards in risk management and compliance.
Stephen originally began his career working within accounts, finance and credit control for over 10 years. In January 2012, he joined 123.ie working within their accounts department as a credit control administrator and finance assistant. He soon moved to a customer care role looking after client's home and motor insurance within 123.ie, becoming much more involved within the insurance side of the business. Stephen sat his insurance exams whilst in 123.ie and is proud to be APA certified. Stephen joined Ben Mc Ardle Ltd Insurance brokers in January 2015 as a Personal Lines Executive, quickly moving up the ranks to Personal lines Manager in January 2016. In this role, Stephen managed the Personal Lines department, specialising in both standard and high net worth home and motor insurance, whilst also looking after advertising and business development. Stephen joined DUAL Ireland July 1st 2020 and lends his experience to the high net worth underwriting team. Outside of work he is a big fan of boxing, music, reading and keeping fit.
Job Titles:
- SVP Underwriting & Product Management
Job Titles:
- Managing Director, DUAL Ibérica
Virginio Mercurio has been leading DUAL's Healthcare Liability internationally since 2018. With over 25 years of global experience in the insurance industry, he joined DUAL after different experiences leading Underwriting Teams in AIG, ANV Global Services and Beazley.
He was appointed Ibérica Managing Director in 2024 aside his current responsibilities within the Group.
Job Titles:
- Senior Underwriter Surety
Yngve is responsible for Dual Nordics Surety offering, with more than 20 years of experience in the insurance industry. Previously Yngve was a Senior Underwriter, at Gar-Bo Försäkring AB for 14 years, both in surety and construction & engineering. Yngve has also been head of claims.