Introduction
Working in the insurance industry, both P&C and Life and Health Lines of  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  organizations, enabling them to become more efficient and increasing value to their customers.
I strongly believe that “digital change”,” lean structures” and   “collaborative/agile teams” will allow complex organizations to become more competitive in the new era of the IoT.
I have led “cross-functional” 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.
I 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  me to succeed with all my endeavors.

Experience
Since 2018 – Allianz SE
Transformation Manager for Operations Efficiency
Responsible for delivering an end-to-end Motor insurance process redesign in 4 countries in order to create one new direct entity, a” lean” online organization focused on customer service and efficiency.

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 (“squads”) 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
new features for the customer.

Organization: Report to the CEO. Team of ~30 people, €2M budget.
Scope of countries: Germany, Netherlands, Italy, and Spain
Achievements:
•Speed of delivery: Full end-to-end processes redesigned, including mock-ups and test with customers, in a
record time of 15 weeks; Speed of Implementation: < 1year (NL and DE)
• KPI´s: Most efficient insurer (100% digital sales, 95% digital claims notification, 100% digital policy
management) expense ratio 12%; NPS 75 for customers and 30% market share.

2016 – 2018 – Allianz SE / Munich
Digital Transformation Manager and Head of PMO
Responsible for delivering a new online platform for the Direct companies in CEE region, as well as a central hub
located in Poland that provides IT and e-business services to the region.  Received the additional role of Head of PMO,

defining the standards for the Project Managers / Scrums within the tree countries.
Organization: Report to the Global Head of Direct Digital Pure Player. ~50  people, €5M budget.
Scope of countries: Poland, Czech Republic, and Romania
Achievements:
• Project delivered successfully on time and in budget.; Speed: Implementation in < 1 year (PL).
• One single product, one single platform & Marketing Suite for the region, new Operating Model with IT
services and eBusiness centralized in Poland.
• KPI´s: Efficiency achieved (100% digital Sales, paperless company), loss ratio better than other direct players, best
in market customer experience.

2013 – 2015 – AGSC – Allianz Global Corporate & Specialty SE / Munich
Head of CPO – Central Project Portfolio
Responsible for supporting change in AGCS on a global scale, by planning, prioritizing, monitoring and allocating
resources for a € 50m project portfolio.
Organization: Report to Global Head of Organizational Business Transformation. 2 people, €0.5M budget.
Scope of countries: Worldwide
Achievements:
• Defined standards – based on Prince2 – for Project Managers for them to  implement their projects on time,
scope and in budget.
• Design, implementation and rollout of a Project Management Simulator in use  by project managers to plan the
recruitment of internal and outsourced resources

2010 – 2012 – Allianz SE / Munich
Country Manager for Operational Performance – Benelux Region
Responsible for the implementation of Allianz Target Operating Model and for achievement of operational
performance in the Benelux region.
Organization: Report to Global Head of Target Operating Model. No direct team. Governance role.
Achievements: Projects and actions agreed to were achieved resulting in a target expense ratio in the region (20%).

2001 – 2010 – Allianz Portugal / Lisbon
Head of e-Commerce
Responsible for the “Online Business Unit”. The strategy of the company was a multi-channel approach using an
Allianz derivative brand, the same price across all channels, and different products to avoid channel conflict with
traditional agents.
Organization: Report to the Sales Director. 5 people and a € 0.5M budget.
Achievements: Target of online sales achieved for dental and pension products; rollout of new self-service platform
used by private customers.

Education, Training and Certifications
Education
1997/1998 MBA – Master of Business Administration, ISCTE University, Lisbon
1995 Degree in Social Sciences, ISCTE University, Lisbon
Training & certifications
2019 Agile Scrum Master certified – Scrum Alliance, Munich
2013 Executive training – Market Driving Strategies, London Business School, London
2012 Finance for Non-Finance – ESMT, Berlin
2011 Black Belt trained, Allianz, Munich
2009 Project Management trained – PMO, Lisbon

Languages
Portuguese: Native speaker
English: Fluent
French: Professional
Spanish: Professional
German Basic Knowledge