A Global Network

Our People

William "Bill" Horbatt, FSA, MAAA, MIAAWilliam (Bill) Horbatt

  • 30 years experience in Life, Health and Credit insurance
  • “Hands on” experience in US, Latin America, Europe and Asia
  • Strong Financial Reporting (US, US GAAP, IFRS) experience
  • Strategy, Organization and Process Improvement
  • Innovative Problem Solving and Product Development
  • American Academy of Actuaries representative to International Actuarial Association Mortality Task Force and Risk Margin Working Group
  • English, conversational French, Italian and Spanish

Ghislaine Royer Ghislaine Royer

  • 30 years experience in Life insurance
  • Management board experience in British, French, German, Luxemburg and Swiss companies
  • Experienced in launching, merging and reorganizing life insurance companies
  • Strategy design and implementation
  • Creative “client centric” product development
  • Organizational concepts such as Enterprise 2.0
  • Member of the French Institute of Actuaries’ Variable Annuity Task Force and Member of the “Association des coachs d'Assas”
  • French, English, conversational Spanish

Dr Stéphane SarbachStéphane Sarbach

  • 30 Years experience in Life, Pension and Health insurance
  • Extensive knowledge products and markets in Europe, CEE, Asia, North America
  • Product development and management
  • Client-focused and solution-driven (deep understanding of customers' needs in various markets)
  • Organisation of international seminars and workshops
  • Member of Swiss and American Physical Societies
  • French, English, German and Italian

Nasir Whaind, ASANasir Whaind

  • 25 years experience in Life and Pension consulting
  • Work experience in Sub-Continent, South Asia, Middle East, East Africa, Central Asia
  • Statutory & strategic financial reporting/analyses
  • Experienced in supporting launch of life operations in emerging markets
  • Developed solutions for private, public and national pension schemes
  • Capacity building of insurance and pension supervisors & strengthening of laws
  • English, conversational Urdu