{"id":118550,"date":"2026-07-13T21:44:55","date_gmt":"2026-07-13T19:44:55","guid":{"rendered":"https:\/\/ceadigilaw.org\/members\/sandra-ferreira\/"},"modified":"2026-09-15T17:42:59","modified_gmt":"2026-09-15T15:42:59","slug":"sandra-ferreira","status":"publish","type":"cea_person","link":"https:\/\/ceadigilaw.org\/en\/members\/sandra-ferreira\/","title":{"rendered":"Sandra Ferreira"},"content":{"rendered":"

Introduction<\/strong>
\nI have worked in the insurance industry, in both Non-Life (P&C) and Life & Health lines, for almost 20 years, the last 9 in Munich. Over the last 4 years I have supported the transformation of complex organizations, enabling them to become more efficient and to deliver greater value to their customers.
\nI firmly believe that \u201cdigital change\u201d, \u201clean structures\u201d and \u201ccollaborative\/agile teams\u201d will enable complex organizations to become more competitive in the new IoT era.
\nI have led \u201ccross-functional\u201d teams located in different parts of the world, supported CEOs and board members in executive committees with successful recommendations on such transformations, and headed a sizeable Program Management Office, establishing common standards across projects and regions.
\nI hold several certifications and executive education credentials (Black Belt, Agile-Scrum Master, Project Management, MBA and strategy programs at London Business School and ESMT) which, together with my interpersonal skills, have enabled me to succeed in all my projects.<\/p>\n

Experience<\/strong>
\nSince 2018 – Allianz SE
\nHead of Transformation for Operational Efficiency
\nResponsible for executing the end-to-end redesign of the motor insurance process in 4 countries in order to create a new direct entity, a \u201clean\u201d online organization focused on customer service and efficiency.<\/p>\n

This role covers the end-to-end design of all processes and customer journeys through to implementation, using a specific agile framework and a dedicated co-located team structure (\u201csquads\u201d) to regularly deliver unique products to customers. As a result, the company becomes simpler, faster and more competitive, as releases with
\nnew customer features are launched frequently.<\/p>\n

Organization: reporting directly to the CEO. Team of ~30 people, budget of \u20ac2M.
\nCountries: Germany, the Netherlands, Italy and Spain
\nAchievements:
\n\u2022Speed of execution: complete redesign of end-to-end processes, including prototypes and customer testing, in a
\nrecord time of 15 weeks; speed of implementation: < 1 year (NL and DE)
\n\u2022 KPIs: most efficient insurer (100% digital sales, 95% digital claims notifications, 100% digital
\npolicy management), 12% expense ratio; customer NPS of 75 and 30% market share.<\/p>\n

2016 – 2018 \u2013 Allianz SE \/ Munich
\nHead of Digital Transformation and Head of PMO
\nResponsible for implementing a new online platform for the direct companies in the CEE region, as well as a hub
\nbased in Poland providing IT and e-business services to the region. Also took on the role of Head of PMO,<\/p>\n

defining the standards for Project Managers \/ Scrum teams in the three countries.
\nOrganization: reporting directly to the Global Head of Direct Digital Pure Player. ~50 people, budget of \u20ac5M.
\nCountries: Poland, Czech Republic and Romania
\nAchievements:
\n\u2022 Project successfully delivered on time and within budget; speed: implementation in < 1 year (PL).
\n\u2022 A single product, a single platform and Marketing Suite for the region; new operating model with IT
\nand eBusiness services centralized in Poland.
\n\u2022 KPIs: efficiency achieved (100% digital sales, paperless company), loss ratio lower than that of other direct players, best
\ncustomer experience in the market.<\/p>\n

2013 – 2015 \u2013 AGSC – Allianz Global Corporate & Specialty SE \/ Munich
\nHead of CPO – Central Project Portfolio
\nResponsible for driving change across AGCS globally through the planning, prioritization, monitoring and resource allocation
\nof a \u20ac50M project portfolio.
\nOrganization: reporting directly to the Global Head of Organizational Business Transformation. 2 people, budget of \u20ac0.5M.
\nCountries: worldwide
\nAchievements:
\n\u2022 Definition of standards \u2013 based on Prince2 \u2013 enabling Project Managers to deliver their projects on time,
\nscope and budget.
\n\u2022 Design, implementation and roll-out of a Project Management Simulator used by project managers to plan the
\nsourcing of internal and external resources<\/p>\n

2010 – 2012 \u2013 Allianz SE \/ Munich
\nOperational Performance Country Manager – Benelux Region
\nResponsible for implementing the Allianz Target Operating Model and achieving operational
\nperformance in the Benelux region.
\nOrganization: reporting directly to the Global Head of Target Operating Model. No direct reports. Governance role.
\nAchievements: the agreed projects and actions were delivered, allowing the region to reach its target expense ratio (20%).<\/p>\n

2001 \u2013 2010 \u2013 Allianz Portugal \/ Lisbon
\nHead of e-Commerce
\nResponsible for the \u201cOnline Business Unit\u201d. The company\u2019s strategy was a multichannel approach with a
\nbrand derived from Allianz, the same price across all channels and differentiated products to avoid channel conflict with
\ntraditional agents.
\nOrganization: reporting directly to the Chief Commercial Officer. 5 people and a budget of \u20ac0.5M.
\nAchievements: online sales target achieved for dental and pension products; roll-out of a new self-service platform
\nused by individual customers.<\/p>\n

Education, Training and Certifications<\/strong>
\nEducation<\/strong>
\n1997\/1998 MBA – Master of Business Administration, ISCTE, Lisbon
\n1995 Bachelor\u2019s Degree in Social Sciences, ISCTE, Lisbon
\nTraining and Certifications
\n2019 Agile Scrum Master Certification \u2013 Scrum Alliance, Munich
\n2013 Executive Education \u2013 Market Driving Strategies, London Business School, London
\n2012 Finance for Non-Financial Managers \u2013 ESMT, Berlin
\n2011 Black Belt Training, Allianz, Munich
\n2009 Project Management Training \u2013 PMO, Lisbon<\/p>\n

Languages<\/strong>
\nPortuguese: native
\nEnglish: fluent
\nFrench: professional working proficiency
\nSpanish: professional working proficiency
\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":1,"href":"https:\/\/ceadigilaw.org\/en\/wp-json\/wp\/v2\/cea_person\/118550\/revisions"}],"predecessor-version":[{"id":122382,"href":"https:\/\/ceadigilaw.org\/en\/wp-json\/wp\/v2\/cea_person\/118550\/revisions\/122382"}],"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}]}}