{"id":118550,"date":"2026-07-13T21:44:55","date_gmt":"2026-07-13T19:44:55","guid":{"rendered":"https:\/\/ceadigilaw.org\/members\/sandra-ferreira\/"},"modified":"2026-07-13T21:44:55","modified_gmt":"2026-07-13T19:44:55","slug":"sandra-ferreira","status":"publish","type":"cea_person","link":"https:\/\/ceadigilaw.org\/en\/members\/sandra-ferreira\/","title":{"rendered":"Sandra Ferreira"},"content":{"rendered":"

Introduction<\/strong>
\nWorking in the insurance industry, both P&C and Life and Health Lines of\u00a0 Business, for nearly 20 years the last 9 years of which took place in Munich. Over the last 4 years, I have supported the transformation of complex\u00a0 organizations, enabling them to become more efficient and increasing value to their customers.
\nI strongly believe that \u201cdigital change\u201d,\u201d lean structures\u201d and\u00a0\u00a0 \u201ccollaborative\/agile teams\u201d will allow complex organizations to become more competitive in the new era of the IoT.
\nI have led \u201ccross-functional\u201d teams located around the globe, supported CEOs and board members in executive committees with successful recommendations in those transformations, as well as running a Program Management Office of considerable size, setting up standards across projects and regions.
\nI hold several certifications and executive training (Black Belt, Agile-Scrum Master, Project Management, MBA, and strategic training from London Business School and ESMT), which, together with my soft skills, have allowed\u00a0 me to succeed with all my endeavors.<\/p>\n

Experience<\/strong>
\nSince 2018 – Allianz SE
\nTransformation Manager for Operations Efficiency
\nResponsible for delivering an end-to-end Motor insurance process redesign in 4 countries in order to create one new direct entity, a\u201d lean\u201d online organization focused on customer service and efficiency.<\/p>\n

This role involves design end-to-end of all processes and journeys till implementation using a specific framework in agile, and a specific team structure (\u201csquads\u201d) co-located to produce unique products to the customers regularly. Consequently, the company becomes simpler, faster and more competitive, as frequent releases are rolled out with
\nnew features for the customer.<\/p>\n

Organization: Report to the CEO. Team of ~30 people, \u20ac2M budget.
\nScope of countries: Germany, Netherlands, Italy, and Spain
\nAchievements:
\n\u2022Speed of delivery: Full end-to-end processes redesigned, including mock-ups and test with customers, in a
\nrecord time of 15 weeks; Speed of Implementation: < 1year (NL and DE)
\n\u2022 KPI\u00b4s: Most efficient insurer (100% digital sales, 95% digital claims notification, 100% digital policy
\nmanagement) expense ratio 12%; NPS 75 for customers and 30% market share.<\/p>\n

2016 – 2018 \u2013 Allianz SE \/ Munich
\nDigital Transformation Manager and Head of PMO
\nResponsible for delivering a new online platform for the Direct companies in CEE region, as well as a central hub
\nlocated in Poland that provides IT and e-business services to the region.\u00a0 Received the additional role of Head of PMO,<\/p>\n

defining the standards for the Project Managers \/ Scrums within the tree countries.
\nOrganization: Report to the Global Head of Direct Digital Pure Player. ~50\u00a0 people, \u20ac5M budget.
\nScope of countries: Poland, Czech Republic, and Romania
\nAchievements:
\n\u2022 Project delivered successfully on time and in budget.; Speed: Implementation in < 1 year (PL).
\n\u2022 One single product, one single platform & Marketing Suite for the region, new Operating Model with IT
\nservices and eBusiness centralized in Poland.
\n\u2022 KPI\u00b4s: Efficiency achieved (100% digital Sales, paperless company), loss ratio better than other direct players, best
\nin market customer experience.<\/p>\n

2013 – 2015 \u2013 AGSC – Allianz Global Corporate & Specialty SE \/ Munich
\nHead of CPO – Central Project Portfolio
\nResponsible for supporting change in AGCS on a global scale, by planning, prioritizing, monitoring and allocating
\nresources for a \u20ac 50m project portfolio.
\nOrganization: Report to Global Head of Organizational Business Transformation. 2 people, \u20ac0.5M budget.
\nScope of countries: Worldwide
\nAchievements:
\n\u2022 Defined standards \u2013 based on Prince2 – for Project Managers for them to\u00a0 implement their projects on time,
\nscope and in budget.
\n\u2022 Design, implementation and rollout of a Project Management Simulator in use\u00a0 by project managers to plan the
\nrecruitment of internal and outsourced resources<\/p>\n

2010 – 2012 \u2013 Allianz SE \/ Munich
\nCountry Manager for Operational Performance – Benelux Region
\nResponsible for the implementation of Allianz Target Operating Model and for achievement of operational
\nperformance in the Benelux region.
\nOrganization: Report to Global Head of Target Operating Model. No direct team. Governance role.
\nAchievements: Projects and actions agreed to were achieved resulting in a target expense ratio in the region (20%).<\/p>\n

2001 \u2013 2010 \u2013 Allianz Portugal \/ Lisbon
\nHead of e-Commerce
\nResponsible for the \u201cOnline Business Unit\u201d. The strategy of the company was a multi-channel approach using an
\nAllianz derivative brand, the same price across all channels, and different products to avoid channel conflict with
\ntraditional agents.
\nOrganization: Report to the Sales Director. 5 people and a \u20ac 0.5M budget.
\nAchievements: Target of online sales achieved for dental and pension products; rollout of new self-service platform
\nused by private customers.<\/p>\n

Education, Training and Certifications<\/strong>
\nEducation<\/strong>
\n1997\/1998 MBA – Master of Business Administration, ISCTE University, Lisbon
\n1995 Degree in Social Sciences, ISCTE University, Lisbon
\nTraining & certifications
\n2019 Agile Scrum Master certified \u2013 Scrum Alliance, Munich
\n2013 Executive training \u2013 Market Driving Strategies, London Business School, London
\n2012 Finance for Non-Finance \u2013 ESMT, Berlin
\n2011 Black Belt trained, Allianz, Munich
\n2009 Project Management trained \u2013 PMO, Lisbon<\/p>\n

Languages<\/strong>
\nPortuguese: Native speaker
\nEnglish: Fluent
\nFrench: Professional
\nSpanish: Professional
\nGerman Basic Knowledge<\/p>\n","protected":false},"featured_media":6500,"template":"","class_list":["post-118550","cea_person","type-cea_person","status-publish","has-post-thumbnail","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/ceadigilaw.org\/en\/wp-json\/wp\/v2\/cea_person\/118550","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/ceadigilaw.org\/en\/wp-json\/wp\/v2\/cea_person"}],"about":[{"href":"https:\/\/ceadigilaw.org\/en\/wp-json\/wp\/v2\/types\/cea_person"}],"version-history":[{"count":0,"href":"https:\/\/ceadigilaw.org\/en\/wp-json\/wp\/v2\/cea_person\/118550\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/ceadigilaw.org\/en\/wp-json\/wp\/v2\/media\/6500"}],"wp:attachment":[{"href":"https:\/\/ceadigilaw.org\/en\/wp-json\/wp\/v2\/media?parent=118550"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}