Caroline has been an independent, non-executive director in the financial services industry since 2013. Previously, she was a partner at PwC Bermuda for 12 years, primarily leading the insurance practice in Bermuda and serving listed clients with both audit and advisory services. She spent nine years, until May 2022, as a director for Hiscox and its subsidiaries at Lloyd’s and in Bermuda, serving as chair of the Hiscox audit committee and a member of its risk, remuneration, governance, and investment committees. She currently sits on the boards of several financial services entities.
People
Our business is about risk, but really, it’s about people. They are the true currency of our success. We embrace diverse views and inquiring minds, and empower our experts to have the courage of their convictions. We care. Because our clients do.
Board
Mitch has more than 40 years of accomplishments in international insurance markets. In 2006, he joined Robert Clements as a founding executive to launch Bermuda-based Ironshore with $1 billion in private-equity capital, and helped drive its growth to become a global property & casualty insurer with over 800 employees in 15 nations. Mitch held key roles during the company’s evolution, including COO of Ironshore Inc, CFO and CEO of Ironshore Bermuda, and CEO of Iron-Starr Excess Agency and IronServe. In 2017, Ironshore was acquired by Liberty Mutual Group, where he became chief transformation officer of the company’s commercial lines division. Formerly, Mitch was CFO for Swiss Re Americas, and a member of the leadership team at Marsh Inc, including roles as both global CFO and head of technology & corporate services.
Mark is a market-leading underwriter who co-founded Mosaic in 2021. He was the founder of top-quartile Lloyd’s Syndicate 4000 and Pembroke Managing Agency, purchased by Hamilton Insurance Group in 2018. He held the role of president, international markets and led client engagement at Liberty Mutual Group following its 2017 acquisition of Ironshore. Mark served as CEO of Ironshore International, overseeing the creation of agency services, high-profile consortia and the expansion of the group to 14 countries. He started his career at Lloyd’s with Sturge in 1987 before joining SVB in 1990 where he was appointed active underwriter of the group’s flagship Syndicate 1007 in 2000.
Bob is Chairman of Pelican Ventures, a private insurance-focused investment firm. He also serves on the boards of Ariel Re, IQUW, and Tango Specialty, and is a senior advisor to Aquiline Capital Partners and Assured Allies. Previously, Bob held numerous key leadership and strategy roles across industry, including Hamilton Insurance Group; GCP Capital Partners; CNA Financial; Swiss Re; and Ernst & Young. He was a founding executive of Executive Risk (now Chubb) and Ironshore Inc. He previously served as a director of Acrisure, Beazley, Chaucer, Darwin, Enstar, Platinum Underwriters, and others.
Alex is CEO and Managing Director of Angel Island Capital (AIC), a specialty finance portfolio company of Mosaic’s anchor investor, Golden Gate Capital. Alex joined AIC in 2020 and has over 18 years of finance industry experience. Prior, he was director of US portfolio finance and internal business strategy at Citadel LLC, where he managed the US portfolio finance team, providing secured financing solutions for the equities, credit, quantitative and commodities businesses.
Dan is a Managing Director of Golden Gate Capital (GGC), a leading private-equity investment firm which holds a majority stake in Mosaic. He serves as the firm’s Director of Portfolio Operations and also focuses on investments across the financial services space, with an emphasis on insurance, asset management, and specialty finance. Prior to joining GGC, he worked in the Boston office of Bain & Company. Dan has an MBA from the Kellogg School of Management (Austin Scholar) and a BA in Mathematics from the University of Virginia (Phi Beta Kappa).
David is the founder of Culpeper Capital Partners, focused on investments in the financial and business services sectors. He previously was a managing director at Fortress Strategic Capital and a senior managing director with Irving Place Capital and Bear Stearns Merchant Banking Partners; he also served as a partner with McCown DeLeeuw & Co. from 1990–2000. David has more than 30 years of board experience in a variety of strategic circumstances. Recent tenures include gym chain 24 Hour Fitness, insurance provider State National, and financial services company Ascensus.
Jennifer is a Principal at Golden Gate Capital, a San Francisco-based private-equity firm which holds a majority stake in Mosaic. She is a member of the firm’s financial services team, covering investments in specialized markets, including insurance, asset and wealth management, fintech, and specialty finance. Zhu previously worked at Sightway Capital, the private investment arm of Two Sigma. Prior to that, she was as an associate at Pine Brook Partners. She started her career as an investment banking analyst in the financial institutions group at Morgan Stanley. She has a BA in Economics from Harvard University.
Leadership
Mitch has more than 40 years of accomplishments in international insurance markets. In 2006, he joined Robert Clements as a founding executive to launch Bermuda-based Ironshore with $1 billion in private-equity capital, and helped drive its growth to become a global property & casualty insurer with over 800 employees in 15 nations. Mitch held key roles during the company’s evolution, including COO of Ironshore Inc, CFO and CEO of Ironshore Bermuda, and CEO of Iron-Starr Excess Agency and IronServe. In 2017, Ironshore was acquired by Liberty Mutual Group, where he became chief transformation officer of the company’s commercial lines division. Formerly, Mitch was CFO for Swiss Re Americas, and a member of the leadership team at Marsh Inc, including roles as both global CFO and head of technology & corporate services.
Mark is a market-leading underwriter who co-founded Mosaic in 2021. He was the founder of top-quartile Lloyd’s Syndicate 4000 and Pembroke Managing Agency, purchased by Hamilton Insurance Group in 2018. He held the role of president, international markets and led client engagement at Liberty Mutual Group following its 2017 acquisition of Ironshore. Mark served as CEO of Ironshore International, overseeing the creation of agency services, high-profile consortia and the expansion of the group to 14 countries. He started his career at Lloyd’s with Sturge in 1987 before joining SVB in 1990 where he was appointed active underwriter of the group’s flagship Syndicate 1007 in 2000.
Reeva has more than 25 years’ experience in financial services, including across international re/insurance markets. She directs Mosaic’s finance organisation as CFO, providing strategic leadership across financial reporting, planning,and capital management. Reeva previously served as SVP, treasurer and deputy CFO at Alleghany Corporation, and board member of TransRe, RSUI and CapSpecialty. Prior to Alleghany, she was CFO at Aspen Insurance, and CFO at Hiscox across a number of operations, including Hiscox Re and ILS, Europe, and Special Risks. Qualified as a chartered accountant, she began her career at PricewaterhouseCoopers.
Chris manages Mosaic’s growing syndicated capital management program, which invites capacity from carrier partners seeking to leverage our underwriting expertise and regional distribution around the world. With 35 years of Lloyd’s market experience, Chris previously was strategic partnership director at Hamilton Insurance Group following its acquisition of Pembroke Managing Agency. He joined Syndicate 4000 at inception in 2004 to lead its financial institutions division and was a founding director of Pembroke in 2006. He led the managing agency’s provision of services to Lloyd’s Syndicates 2014, 1947 and 6125 from 2014. Prior to joining Pembroke, Chris spent 10 years as a financial institutions underwriter at Lloyd’s. He began his career at Robert Fleming Insurance Brokers.
Claire is a human-resources professional with more than 20 years’ experience in the financial services sector. Her role at Mosaic encompasses overall strategic responsibility for Mosaic’s people, talent, and culture. She has worked in international roles for several companies, including XL Capital, Brit Insurance, WTW, and AJ Gallagher. She was global human resources director for Gallagher Re (previously Willis Re), and, prior, HR director for people and change aspects of an operational improvement program at WTW. She began her career as a consultant at Accenture.
Krishnan is a founding member of Mosaic, responsible for global operations, partnerships, technology, and build-out of Mosaic’s leading insurtech platform and digital managing agency assets. He previously was COO of Ironshore International and IronServe, responsible for technology and operations across global platforms. In 2017, he became a lead transformation officer for Liberty Mutual Group’s commercial lines division. Formerly, Krishnan was insurance sector leader for the shared services and operations practice at PricewaterhouseCoopers. He also held management roles at Allstate Insurance, executing its operational transformation program, and at Gartner, where he managed its Asia and Central US consulting groups.
A senior strategist and a founding executive of Mosaic, Lisa oversees all strategic operational functions, including financial planning and analysis, human resources, communications and marketing. Previously, as part of the founding team at Ironshore Inc, she served as head of strategic operations, focusing on global financial and strategic initiatives and overseeing capital markets transactions, board reporting, investor relations, and rating-agency management. From 2007 through 2012, Lisa was Ironshore’s global head of financial planning & analysis. She also served as CFO of IronServe, Ironshore’s global outsourcing relationship. While at Liberty Mutual, she was a lead transformation officer for its commercial lines division. Lisa began her career at Swiss Re America in finance planning and analysis roles.
With more than 30 years’ experience in the London and global insurance markets, Tim oversees all underwriting activities, portfolio management, claims, reinsurance, pricing, and reserving at Mosaic. He was one of the founders of Pembroke Managing Agency and Syndicate 4000, which became a top-quartile performing Lloyd’s business. He held several key roles, including active underwriter, chief underwriting officer, and chief executive officer, and later became part of Hamilton Group’s leadership team when the business was sold to Hamilton Managing Agency in 2019. He began his career at RM Pateman Managing Agency, and also worked at Hiscox and SVB syndicates.
A finance and M&A professional with 20 years of investment banking experience, Oz has focused on the insurance industry through most of his career. A founding member of Mosaic, he works with the rest of the leadership team on overall strategic direction and also manages alternative capital strategies to optimize capital provision for the company. Previously, Oz was a managing director at boutique investment bank Foros, concentrating on mergers and acquisitions across industries. Prior, he was a director in the financial institutions group at Deutsche Bank, advising on company acquisitions, sales, and capital raises. Oz started his investment banking career at Lazard, after research roles at the World Bank and International Finance Corporation.
Liam drives product innovation at Mosaic, leading activity to enhance existing coverage and create solutions to address emerging exposures. He also oversees the interface between underwriting and technology, working with all product units to enhance Mosaic’s pioneering insurtech platform. With 15 years’ experience in the global specialty underwriting sector, he has worked in the Lloyd’s, US, and Bermuda marketplaces. Previously, he served as head of underwriting strategy for Liberty Specialty Markets, where he also ran the financial lines, healthcare, and special risks divisions. Liam is a mentor in the Lloyd’s Lab and holds advisory board positions at several insurtech companies.
An author and former journalist, Rosemary leads all communications and marketing strategy for Mosaic, including external media liaison and PR, internal communications, brand building and thought leadership, social media and digital initiatives. A senior communications strategist, she previously worked for national public-private agencies, serving as director of corporate communications & strategy at the Bermuda Tourism Authority (BTA) and head of communications & marketing for the Bermuda Business Development Agency (BDA).
Charlie has spent 20 years in the Lloyd’s insurance market as an underwriter, with a strong track record across product lines and experience in finance, actuarial, distribution, regulatory and group reporting functions. Most recently, he was co-deputy active underwriter, head of specialty, for Hamilton Managing Agency in 2020, and previously worked as active underwriter for Pembroke Managing Agency’s Syndicate 4000. Prior, he spent 10 years as divisional director, political risks, with the same Pembroke syndicate, founding and leading the division.
Olly oversees risk management across the Mosaic group, along with compliance and regulatory oversight, working closely with Asta, Mosaic’s Lloyd’s managing agency. During Mosaic’s early evolution, Olly was focused on structural and regulatory set-up and approval for Mosaic’s regional service companies, including our ability to write European Economic Area (EEA) exposures via a post-Brexit solution. As Mosaic continues to grow, he is guiding the company’s governance and oversight framework. Olly previously was chief risk officer for Neon Underwriting, and prior to that was head of risk management at Lloyd’s, with responsibility for oversight of the market across minimum standards, Solvency II model compliance, and administration of the Lloyd’s risk-management framework.
Kyoko has over 20 years of HR experience, serving in management and leadership positions at Fortune 100 companies in the US, Latin America and Europe, including Citigroup and PepsiCo. She served as head of HR for the international division of Ironshore and, previously, was HR leader at Guy Carpenter for four years until 2016. Most recently, she worked in her own private practice as an executive coach, HR consultant, and advisory board member for two corporate startups.
David oversees underwriting portfolio development and governance throughout Mosaic’s regional offices, with a particular focus on syndicated capital management and consortia operations. David has worked in the Lloyd’s market since 1985, initially as a broker, and started his underwriting career at SVB in 1999. He was one of the founding underwriters of Pembroke Syndicate 4000 in 2004, establishing its professional lines division, which he ran for a decade. He held a number of roles with Ironshore and Pembroke Managing Agency, later Hamilton Managing Agency, including head of distribution, chief underwriting officer, and director of the managing agency. He also served on boards of US and Canadian subsidiaries.
Corporate
Alex is responsible for overseeing, building, and tracking Mosaic’s business pipeline to enhance underwriting efficiency and market engagement. He has more than a decade of experience in Bermuda, the US, and UK in re/insurance and business management roles focused on business intelligence, research, data analysis, forecasting, KPI benchmarking, and compliance. Most recently, he spent three years at Bermuda’s destination marketing organization, the Bermuda Tourism Authority (BTA), and previously worked at EXL Services UK (providing consultancy services for Aon UK and Direct Line Group), and XL Catlin UK.
Josette supports Mosaic’s finance team, with responsibilities including statutory and GAAP accounting, cash–flow management, and audit coordination. She has more than a decade of experience in the insurance industry, with roles at Prosperity Life Insurance, The Port Authority of New York and New Jersey, and New York Life Insurance focused on corporate reporting, audit and assurance, and handling payroll and payment processes. Josette is a fiduciary, with certifications as a real-estate broker, tax preparer, public notary, and insurance agent for life, accident, and health (A&H).
Angella manages all aspects of compliance and regulatory-related matters and filings for Mosaic in North America.Previously, she spent more than 10 years at AIG, working with global compliance teams to promote accountability and transparency around compliance risks and controls. She also held roles at Focus Financial Partners and Barrett Associates, both SEC-regulated firms, where she managed compliance and risk-assessment programs. Prior experience includes compliance and corporate governance roles at UBS Dillon Read Capital Management and XL Capital Assurance, where she supported the firm’s license buildout and was responsible for all regulatory filings. Angella is a Certified Compliance and Regulatory Professional.
Alexandra is responsible for taxes and tax reporting across the company. A chartered accountant, she has more than 20 years’ experience in international tax, with a focus on financial services. Previously, she held senior tax roles at Liberty Specialty Markets, CK Hutchison Group, and Morgan Stanley, with specialization in tax compliance, internal advisory and restructuring, operationalizing emerging tax legislation, improving tax governance and raising tax risk awareness and risk management across organizations. Her early career and training at KPMG were insurance-focused, in both London and Sydney.
Juliana provides full executive support to Mosaic’s Co-CEOs, and carries out organizational and administrative responsibilities for Board meetings and other company events; Leadership Team needs; and executive coordination across Mosaic’s offices and jurisdictions. She previously worked at Liberty Specialty Markets, supporting the head of client engagement, chief transformation officer, and head of strategic operations. Prior, she held executive support roles in the financial services sector, including Clarien Bank, Orbis, Axis Capital, Stockton Re, and Park International.
Martin has more than 30 years’ experience within the insurance industry, working for both brokers and underwriters and setting up successful credit control teams at three different agencies. Previously, he was credit control manager at Hamilton Group, where he dealt with both third-party and in-house syndicates.
Haviland has six years of HR experience. Previously, she worked for Société Générale Corporate & Investment Banking as an international HR specialist. In this role, she supported global assignments into the US, as well as to other SG entities abroad. Before that, Haviland was an HR advisor focused on the employment life cycle of SG employees, while supporting HR business partners.
Sri works with Mosaic’s Ops & IT team, focusing on areas of desktop technology set-up, application development, and innovation. He has 15-plus years of professional experience, mostly in the insurance industry. At global property & casualty insurer Ironshore, he held IT leadership roles to manage application infrastructure. Later, at Liberty Mutual Group, he led the application integration team. Prior to Ironshore, Sri worked at XL Catlin.
Based in London, Kerry manages cash-flow processes as a member of Mosaic’s corporate finance team. She has more than 15 years of experience in the insurance industry, previously working for Fidelitas Global as an accounting technician, after beginning her career at Montpelier Underwriting in London. Prior to insurance, she was an accounts payable supervisor for Monster Worldwide’s European shared service center in Prague.
Jason is responsible for financial analysis, budgeting, quarterly forecasting, and planning at Mosaic. He also helps the Finance Team to execute corporate development activities, and performs ad hoc analysis on strategic finance. He previously worked at Credit Suisse as a senior banker on corporate insights. Prior, he was a middle-market investment banker, who worked on sell-side M&A transactions.
A New Yorker, Victoria has more than dozen years of professional experience. She previously worked for New York-based Ai Media Group, assisting with daily operations and event coordination. Prior to that, she served a high-net-worth family in New York in property management.
Karen is responsible for daily management of Mosaic’s international claims operations, managing delivery partners and supporting expansion of the company’s international operations and insurtech claims operating model. She has 35 years of insurance claims experience, with oversight of operations, corporate structures, compliance, and claims handling. She previously held leadership roles at Liberty Mutual, Ironshore, XL Insurance, and Marsh & McLennan as a claims manager, global claims operations lead, and shared services lead.
Paige is responsible for overseeing day-to-day underwriting operations activities for Mosaic’s professional liability and financial institutions lines. Previously, she worked at Ki Insurance as a digital underwriting assistant, developing relationships with brokers and underwriters and driving projects to improve procedures in place. Prior, she worked at Equinox for four years as an underwriting assistant, focusing on North American property.
Ben is responsible for day-to-day support of Mosaic’s political violence and political risk lines of business. Previously, he spent four years at Hiscox, working in operations to manage outsource providers and support the London market team. He was also part of a business-change team, supporting delivery and deployment of process improvements to assist underwriters. Based in Rayleigh, Essex, he currently has a CII Diploma and is working towards achieving his ACII.
Grant is a member of the strategic-planning team at Mosaic, assisting the budgeting process and quarterly forecasting, and working with each of our businesses on financial analysis and reporting. He previously served the transformation office of Liberty Mutual, responsible for driving activities across a portfolio of finance functions. Prior, he was general manager and corporate finance lead for Bermuda-based LOM Asset Management.
Delia manages daily operations across Mosaic’s offices worldwide. Previously, she worked as private estate manager for high-net-worth clients, assisting in production of the London Olympics 2012 and establishment of the UK-based Invictus Games for wounded military personnel in 2014. Prior, Delia served as personal assistant to the global head of HR at XL Capital, working with its leadership team and helping establish the company’s global development programs. She has also worked at Aon and Liberty Re.
Shu is responsible for accounting functions and managing auditor relationships at Mosaic. Previously, she worked at TransRe as a senior reinsurance accountant, focusing on ceded reinsurance accounting, maintaining reinsurance schedules and statements, assisting auditor relationships, and driving systems automation. She also worked as a senior accountant at SiriusPoint, where she was responsible for the accounting function of treaty accounts, and as a senior analyst at JLT Re. Shu is a Certified Public Accountant and holds CPCU and ARe qualifications.
Abhijeet is a seasoned digital transformation expert who has led large IT programs globally. At Mosaic, he drives development of our pioneering insurtech operating model using an API-based integration framework, cloud native data analytics and blockchain-based data sharing. Previously, he worked at AIG as VP Operations; Hiscox as US CIO; and Ironshore/Liberty Mutual Group as VP Global IT, creating high-tech distribution channels for broker engagement and overseeing IT modernization and cloud migration.
Nellie is responsible for overseeing day-to-day delivery of finance operations at Mosaic, with a focus on insurtech. She previously was a senior manager for program management at Liberty Mutual, where she oversaw alignment of the financial closing process for the US branch of its North America specialty business and drove various transitions initiatives, processing optimization, and operation efficiencies. Prior, she held roles in finance, vendor management, IT, and operations during a 20-year career at AIG.
Laura works with Mosaic’s operations and HR departments to ensure effective running of the London office, as well as facilitating onboarding of new employees. She previously worked in hospitality as receptionist and duty manager of a small independent hotel and wedding venue, after graduating with both Bachelor’s and Master’s degrees in Forensic Psychology from the University of Lincoln, UK.
Chris runs program oversight of strategic projects, build-out and management of operations with delivery partners, and support of commercialization of Mosaic’s insurtech operating model. Previously, he was senior director in the GRS global finance and operations group at Liberty Mutual, after a decade with Ironshore managing global program management. A key area of his expertise has been implementing robotics/machine learning to optimize underwriting and claims lifecycles.
Dobrina is responsible for US GAAP and statutory financial statements at Mosaic, along with monthly close processes, internal controls over financial reporting, and leading the controllership team. Previously, Dobrina established the accounting, tax, and internal control teams at Buckle Corp, a top provider of rideshare insurance products. She also led M&A integrations, new accounting standards implementations, financial close reporting, transformation projects and audits over the span of her career at Marsh & McLennan, AIG, and Deloitte.
Brian is responsible for US GAAP and Lloyd’s accounting at Mosaic, including preparing quarterly and annual reports and overseeing financial audits and month-end close process. Previously, he was a senior reinsurance accountant at Arch Re, managing its brokered accounts and internal and external audit inquiries. Prior to that, he was a reinsurance accountant/analyst and auditor at Munich Re. Brian began his career in accounting while serving as a fiscal chief in the Marine Corps before moving into a civilian accounting role with a public-relations firm, Katz & Associates, in San Diego, CA.
Holly is responsible for the day-to-day running and underwriting operational activities of Mosaic’s transactional liability and cyber product lines. Previously, she worked as a senior analyst at Optio Underwriting, where she implemented data trackers and project managed data-entry systems. Before that, she was assistant operations manager for Liberty Mutual’s global transaction solutions team. She is currently studying for her ACII.
Zahida joins our builds frameworks across risk, compliance, and company secretarial spheres of Mosaic, working closely with Mosaic’s underwriting teams and Asta. She has more than 15 years of experience in the insurance industry, and has worked previously for the Ardonagh Group, Abacus Syndicate, Aviva, and the Financial Conduct Authority (FCA).
Odessa supports Mosaic’s underwriting teams managing policy issuance across product lines and regions. Her previous industry roles include working as an underwriting specialist at AIG, and as an associate broker at Amwins. She has a bachelor’s degree in Risk Management & Insurance from Georgia State University and also holds a P&C license for the state.
Marina manages treasury operations and cash management and monitors legal entity capital at Mosaic. She brings more than 15 years of experience in the insurance industry. Previously, she worked at AIG, where she held various roles in finance, and at start-ups such as Fortitude Re, Converge Re, and Buckle. Marina is a Certified Public Accountant licensed in New York.
Ryan supports Mosaic’s DIFC team and the finance team. He has more than six years of experience in accounting, auditing, financial corporate reporting, tax, and compliance. He has held regulated finance officer roles in the DIFC, Dubai region for international clients and has been an auditor for several private banks in India. He is a qualified chartered accountant and is a member of the Institute of Chartered Accountants of India.
Ravi is a key liaison between Mosaic business teams and technology providers, facilitating alignment of IT solutions with the company’s operational objectives. He is an experienced business analyst/solution architect, with more than 20 years of extensive experience in insurance technology, specifically in the London market. Previously, he worked as director of consulting in hexaware; solution architect at DXC Technology, and also held consulting roles in IT organizations. Ravi also runs his own YouTube channel, “Let’s Talk Business,” highlighting tech and trends in the London market.
Francesca is responsible for daily management of Mosaic’s international underwriting operations, oversight of delivery partners and supporting expansion of the company’s international operations and insurtech operating model. Previously, she spent seven years specialising in London market operations within Lloyd’s syndicates. Prior roles at Hiscox included underwriting assistant, business analyst, and operations manager, for which she managed consortia with a focus on making operational processes more agile and adaptive. She has a CII diploma and is a chartered manager with CMI level 5 accreditation.
Lauren works closely with Mosaic’s Active Underwriter, Asta Managing Agency, and Lloyd’s, to ensure alignment to Lloyd’s minimum standards and underwriting controls. She has worked in the Lloyd’s market for 16 years, starting her career in professional liability. She transitioned from underwriting to syndicate management more than 12 years ago and served as syndicate manager for Hamilton Syndicate 4000 before joining Mosaic.
Sophia supports Mosaic’s Syndicate Manager and works closely with the company’s Active Underwriter, Asta Managing Agency, and Lloyd’s, to ensure alignment to Lloyd’s minimum standards and underwriting controls. She has five years’ experience in the London market, and previously served Mosaic’s political risk team, underwriting the worldwide account, developing broker relationships, and business planning.
Syndicated Capital
Chris manages Mosaic’s growing syndicated capital management program, which invites capacity from carrier partners seeking to leverage our underwriting expertise and regional distribution around the world. With 35 years of Lloyd’s market experience, Chris previously was strategic partnership director at Hamilton Insurance Group following its acquisition of Pembroke Managing Agency. He joined Syndicate 4000 at inception in 2004 to lead its financial institutions division and was a founding director of Pembroke in 2006. He led the managing agency’s provision of services to Lloyd’s Syndicates 2014, 1947 and 6125 from 2014. Prior to joining Pembroke, Chris spent 10 years as a financial institutions underwriter at Lloyd’s. He began his career at Robert Fleming Insurance Brokers.
Liam drives product innovation at Mosaic, leading activity to enhance existing coverage and create solutions to address emerging exposures. He also oversees the interface between underwriting and technology, working with all product units to enhance Mosaic’s pioneering insurtech platform. With 15 years’ experience in the global specialty underwriting sector, he has worked in the Lloyd’s, US, and Bermuda marketplaces. Previously, he served as head of underwriting strategy for Liberty Specialty Markets, where he also ran the financial lines, healthcare, and special risks divisions. Liam is a mentor in the Lloyd’s Lab and holds advisory board positions at several insurtech companies.
Alice is responsible for helping to develop and service Mosaic’s syndicate capital partnerships, providing support to build capacity structures for new products and distribution. Alice graduated Queen’s University, Ontario in 2021 with a Bachelor of Arts (Honors) degree in Global Development. Previously, she gained experience during summer internships with major carriers in Bermuda.
Claims
Ethan is a member of our claims team, with a focus on financial-lines and environmental-liability claims. He has more than 10 years’ industry experience managing notifications from various jurisdictions and entity sizes. He is also well-versed in the Lloyd’s and company markets, after six years as a financial-lines senior claims adjuster with DXC Technology, and previously as a claims broker at Grosvenor Brokers.
Elissa brings more than 15 years of industry knowledge and works with Mosaic’s brokers and insureds throughout the Americas to guide coverage under the company’s six product lines. She started her insurance career as claims counsel with AIG and later was cyber and technology product manager at AXA XL. Elissa also has extensive experience counseling companies and proactively mitigating risk from her tenure on the broker side, including roles at Marsh and Lockton. Prior to 2006, she began her legal career in tax with Deloitte.
With her background in law, underwriting, and broking, Natalie brings a 360-degree understanding of claims and the fundamental importance of fair outcomes to her role at Mosaic. She qualified as an insurance lawyer in 2001 and worked in private practice in the City of London before joining Ironshore/Pembroke Syndicate 4000 as a claims manager in 2010, where she managed a broad spectrum of claims across multiple lines of business. Natalie later served Aon’s Global Broking Centre as head of financial, professional & specialty claims, overseeing a cradle-to-grave claims service to wholesale and retail clients globally.
Rachel is an experienced senior claims adjuster, responsible for handling professional liability, financial institutions, political violence, war & terror, and cyber claims at Mosaic. She has handled specialty lines claims in the London market since 2009, latterly at a Lloyd’s syndicate, where she dealt with complex claims across multiple jurisdictions. She has a law degree from the University of Reading, UK.
Alex focuses mainly on cyber and financial lines claims at Mosaic. He has experience in cyber, political violence, and accident and health claims across open market, binders, and company business. He began his career in the London market at Syndicate 4711, after four years of complex motor insurance personal-injury claims.
Environmental Liability
David underwrites environmental liability risk at Mosaic. He previously spent seven years as an underwriter in the sector at SCOR. A geologist, he originally worked in the offshore oil industry before becoming an environmental consultant, focusing on contaminated land risk assessment and remediation. David began his insurance career as a broker for environmental risks at both Willis and Marsh, before moving to underwriting. He was European manager of environmental liability at Chubb
Will underwrites a diverse range of environmental risks for Mosaic, with a regional focus on North America. Previously, Will spent eight years as an underwriter at SCOR. Before working in insurance, he was an environmental consultant in the UK and South Africa.
Jim leads Mosaic’s global environmental liability division. With more than 30 years of experience working in the sector as an underwriter, broker, adviser, and engineer, his focus includes underwriting environmental risks for corporate and private-equity clients in mergers and acquisitions (M&A). Previously, he established and managed SCOR’s environmental and transactional liability team. Prior, he held senior positions at Aon, Marsh, and Chubb in Europe, Bermuda, Singapore, and Australia.
Toby underwrites environmental risks at Mosaic and is helping build out the portfolio with a primary focus on the US and Canada. Previously, he held underwriting and broking roles at Chubb and Howden, respectively. He has an Environmental Science degree from the University of Southampton, UK.
Ricardo is responsible for growth and execution of strategy, working with our global environmental team. He has more than 25 years of environmental insurance experience in loss control, underwriting, and portfolio management at AIG, ACE INA Insurance (now Chubb), and Markel Canada. He started his environmental-risk consulting company in 2018 and most recently worked for an Ontario environmental contractor, carrying out estimation, tender negotiation, and project management. His background is in environmental risk assessment (ecotoxicology) and biochemistry.
Transactional Liability
Robert underwrites a variety of complex transactional liability risks for Mosaic. Previously, he was a forensic accountant at KPMG for 11 years, responsible for transactional-related disputes, including breaches of representation and warranty claims, net working capital and earnout disputes, and other insurance issues. He is a Certified Public Accountant, Certified in Financial Forensics, and Certified Fraud Examiner.
Edwin works with our Singapore team to build Mosaic’s M&A business in the Asia-Pacific. He previously spent three years at AIG, where he was responsible for underwriting transactional liability insurance in the region. Prior, he was a director at Aon’s transaction risks team for more than six years.
Keith develops M&A business for Mosaic across Europe, the Middle East, and Africa, with a focus on the UK. A solicitor, he trained at a global construction, real estate, and minerals company, with a focus on corporate, commercial and real-estate law. He previously worked in the W&I/RWI market at CFC Underwriting and Aviva, and has experience in both European and US domestic transactional insurance deals.
Chris supports Mosaic’s international transactional liability team. He completed his LLB at Durham University and LPC at BPP Law School before undertaking a Master’s in International Finance Law at King’s College, London, where his focus was on private-equity finance and transaction funding. Chris worked previously as an ISDA negotiator for Deloitte and was placed at a top US investment bank. He later joined the market as an associate underwriter in the transactional liability team at Berkshire Hathaway Specialty Insurance.
Stavan guides Mosaic’s underwriting team in North America. Previously, he was a senior underwriter for AIG, with a focus on transitional risk insurance for complex M&A and secondary transactions. Prior, he served as a senior attorney at Schulte Roth & Zabel, where he concentrated his domestic and cross-border practice on private equity, M&A, leveraged buyouts, and alternative asset management transactions.
Ze’ev assesses and writes a a broad array of tax risks, advising Mosaic’s transactional liability team. Previously, he spent six years as a tax lawyer at Fried, Frank, Harris, Shriver & Jacobson LLP, where he focused on fund formation, opportunity zones, cross-border inversions, and other complex tax issues.
Will leads Mosaic’s tax-liability underwriting outside North America, from both a specific risk and a transactional risk support perspective. He has 18 years of professional experience, focused primarily on cross-border, transactional,and structural tax matters. Until 2020, he held senior advisory roles at several international law firms, advising high-profile corporate, financial services and investment fund clients on a full spectrum of complex tax issues. More recently, Will spent more than two years in a leading role on an insurance tax liability team, focussed on European tax and contingent risks.
Griffin graduated from Binghamton University, New York, with a Bachelor of Science in Finance in May 2021. Previously, he interned as a commercial real-estate intern at Savills in 2018 and ’19.
Fran is a member of our international transactional liability team, advising on complex and multi-jurisdictional transactions across Europe, including Central and Eastern Europe and Southeast Europe. With a decade of experience, she brings a wealth of deal, multi-sector, and jurisdictional-specific expertise to our underwriting. Prior to insurance, she practiced as a regional transactional specialist (advocate) with international law firm CMS in Prague, Czech Republic, regularly advising insurers on M&A transactions across a number of regions.
Andrew is a member of Mosaic’s M&A unit in London, concentrating on development of the company’s transactional liability business outside North America. With over a decade of experience advising on and underwriting M&A transactions, he previously was a senior underwriter at AIG focused on providing insurance for M&A deals across the UK, Europe and emerging markets. Prior to that, he spent 10 years at city law firm Travers Smith, where he trained and qualified as a solicitor before progressing to senior counsel in the corporate M&A team.
andrew.gofton-salmond@mosaicinsurance.com
+44 (0)7498 790 135
Brian supports Mosaic’s transactional liability business growth in North America, specializing in complex M&A risks. He worked previously as an associate in the New York office of law firm Weil, Gotshal & Manges LLP, where he represented private-equity sponsors in a variety of domestic and cross-border M&A transactions. A graduate of Cornell Law School, NY, he also holds an LLM from Université Paris 1 Panthéon Sorbonne and a Master’s degree from St. John’s College, MD.
Barbie underwrites complex domestic and international mergers and acquisitions risks as a member of Mosaic’s North American transactional liability team. Previously, she was a senior corporate counsel for global job site Indeed.com, where she advised on M&A and venture capital investments. Before that, she was vice president at Berkley Transactional for more than four years, where she negotiated and marketed representations and warranties insurance policies. She has also worked as an M&A attorney at Winston & Strawn in New York and a corporate attorney at Foley Hoag in Boston.
Jon advises Mosaic’s transactional liability team, overseeing underwriting decisions on tax risks arising in North America, the UK, Europe, and the Asia-Pacific region. He has 14 years of experience as a tax lawyer, most recently as a partner in Dentons US, based in New York City and Washington, DC. His work has focused on cross-border transactions and structures, including mergers and acquisitions, restructuring and expansions, counseling issuers on the treatment of various financial instruments, as well as advising insurance underwriters on tax risks in connection with specialty policies.
Yuqi has a Finance degree from Baruch College, New York. She’s now pursuing a Master’s in Data Analytics at Baruch, and expects to graduate in June 2022. She also sat CFA Level 1 this fall. Previously, she worked for a tax and accounting firm as a staff accountant, preparing and examining financial statements.
Ignacio completed his Master in Corporate Finance degree at Bayes Business School, University of London, where most of his research involved analysing cross-border and cross-industry M&A transactions. Before joining Mosaic, he was a graduate manager at Amazon, working in a logistics division launching a delivery station as a member of a senior leadership team. He also completed internships with Deloitte and a Swiss wealth-management firm.
ignacio.lopezregules@mosaicinsurance.com
+44 (0)7903 247 292
Matteo is helping to build Mosaic’s M&A business in North America, specifically focusing on underwriting, as well as developing the company’s operational infrastructure and team of analysts. Previously, he was a senior analyst at AIG in its M&A insurance group. Before that, he also completed post-grad internships in the P&C and specialty resinsurance spheres.
Bill oversees underwriting operations in North America, the UK, Europe, and Asia-Pacific regions. With more than 20 years of experience as a leader in the transactional risk insurance sector as an underwriter, broker and lawyer, his focus includes representations & warranties, tax insurance, and contingent liability insurance products. From 2011, Bill led the Mergers & Acquisitions Group in North America for Willis Towers Watson, growing the brokerage practice to become a leader in the market. Previously, he headed managing general agents M&A Risk Solutions and Transaction Risk Solutions for over a decade.
Edward underwrites M&A transactional liability risks for Mosaic. Previously, he was vice president at Berkley Transactional, responsible for negotiating and marketing representations and warranties and related transactional insurance policies. Prior to that, he was an M&A associate at Cleary Gottlieb and Schulte Roth & Zabel.
Ciaran is a member Mosaic’s international transactional liability team and develops business across Europe, the Middle East and Africa, with a focus on the UK. Previously, he worked at AIG for more than three years as an underwriter on M&A deals across UK, Europe, and emerging markets. He also had a brief secondment to the AIG cyber team. Prior to that, he spent two years at Chubb in its international transactional liability team.
Casey is a member of Mosaic’s US M&A deal team, analysing operational and economic facets of legal agreements. He previously practiced corporate law as an associate attorney at Golenbock Eiseman Assor Bell & Peskoe in New York, and Chipman Mazzucco Emerson in Danbury, CT. At both firms, he represented clients in purchase or sale of businesses throughout all stages of transactions.
Sami is a member of Mosaic’s international transactional liability team, advising on multi-jurisdictional transactions outside North America. With a decade of experience advising on M&A deals, he previously worked in the corporate law teams of Travers Smith in London and Hogan Lovells in Dubai, before serving as associate general counsel at WorldRemit, leading a team on corporate and commercial transactions.
Melissa supports the build-out of cyber, financial institutions, and transactional liability lines, with a focus on opportunities distributed through the Bermuda market. She previously worked at Liberty Specialty Markets Bermuda as an underwriter on the financial lines and special risk teams, and has experience writing the full suite of FI and TL products.
Matthew graduated from Oxford Brookes University, UK, in 2022 with a BSc in Economics, Finance, and International Business. At university, he was involved in his academic community, leading a society that organized talks and seminars to connect students with entrepreneurs. He also interned for a boutique accounting and consulting practice in Turin, Italy, where he worked on acquisitions of Italian SMEs.
Eileen underwrites complex and multi-faceted M&A risks to develop Mosaic’s transactional liability business in the DACH (Germany, Austria, Switzerland) region. She previously underwrote warranty and indemnity insurance for the M&A group at RiskPoint. Prior to that, she served as a corporate associate at international law firms Freshfields Bruckhaus Deringer and Latham & Watkins in Frankfurt, specialising in advising private equity and public and strategic clients on domestic and cross-border M&A transactions, investments, joint ventures, co-investments and management incentives.
Katherine plays an integral role in leading innovative and consistent underwriting execution across the M&A insurance portfolio at Mosaic. She previously served as a senior transactional risk insurance underwriter at Everest Insurance. Katherine also brings nearly a decade of experience representing public and private-equity clients in a wide range of complex domestic and cross-border M&A transactions at White & Case and Torys.
Sam manages Mosaic’s transactional liability underwriting team outside of the Americas. He has advised on or underwritten in excess of 500 transactions globally across EMEA and APAC, and previously was head of London and emerging markets at Liberty GTS. Prior to insurance, he practiced as a corporate M&A solicitor in London at Nabarro LLP (now CMS), where he advised clients on private and public M&A transactions across multiple sectors.
Spencer is focused on building Mosaic’s M&A business outside North America. He joins from re/insurer Ambridge, where he spent four years and was responsible for underwriting international transactions, specialising in complex, multi-jurisdictional deals. He is a chartered accountant, and practiced at PwC for five years, providing financial and risk assurance services to FTSE 100 companies, before joining the insurance industry.
Benn heads up Mosaic’s Asia office and leads the company’s transactional liability business in the Asia-Pacific region. He has lived and worked for more than 15 years in Asia, specializing in the M&A insurance sector. Before joining the industry in 2015, he was a corporate and private M&A solicitor for Ashurst LLP and in-house counsel for telecoms company Ooredoo.
Justin analyzes and evaluates risks associated with M&A deals for Mosaic’s transactional liability team. Previously, he was a reinsurance broker intern at Aon, where he examined investment opportunities and streamlining processes. Justin holds a BBA in Finance and a minor in Economics from Binghamton University, New York, and has completed his IASSC Certified Lean Six Sigma Green Belt (ICGB) certification, a course teaching proficiency in data-driven problem-solving skills.
Vivian worked as a private equity intern at an investment bank, working on raising capital for a startup. Vivian got a Bachelor of Business Administration degree in Finance from Baruch Zicklin School of Business, NY, and is now pursuing a Master of Science in Business Analytics. She is also a certified Tableau Desktop Specialist and has passed the Certified Financial Analyst (CFA) Level I exam.
Charlie focuses on complex Canadian and international M&A transaction risks for Mosaic. Previously, he worked as a corporate associate at Osler, Hoskin & Harcourt LLP, representing clients in a broad range of corporate matters, including M&A and private equity transactions. He holds a Juris Doctor from Osgoode Hall Law School at York University and a Master of Business Administration from the Rotman School of Management at the University of Toronto.
Professional Liability
Rey underwrites for Mosaic’s professional liability, cyber, and financial institutions divisions. With more than 16 years of experience in several sectors of the insurance industry, including claims adjusting, risk engineering, insurance placement, and underwriting, he has spent most of his career focused on underwriting management liability exposures. Previously, he developed and led the financial, professional, technology and cyber divisions at Sovereign Insurance in Toronto.
Sarah underwrites After the Event (ATE) insurance for Mosaic’s professional liability team. She is a qualified solicitor with almost 17 years’ experience as an insurance litigator in the City of London. Specializing in defending claims against professionals, she previously spent 14 years at Mills & Reeve.
Matt supports Mosaic’s professional liability team, where he assists in the day-to-day underwriting of accounts. He previously worked as an operations manager at a consular services company in London, after graduating from the University of Nottingham, UK, with a BA in History.
Danny supports all business lines through Mosaic Syndicate 1609, with a focus on professional liability underwriting. He has 15 years of underwriting experience at Lloyd’s, including serving as deputy active underwriter and head of professional lines for Pembroke Syndicate 4000, for which he helped establish a market-leading franchise for insuring specialist engineers.
Ian is responsible for the operational strategy and growth of Mosaic’s Canadian business, whose core lines comprise professional liability, cyber, financial institutions, and transactional liability. With more than 20 years’ experience in the specialty sphere, Ian has developed and led profitable commercial portfolios for cyber and professional and financial lines of business. He has worked with global and Canadian domestic insurance carriers, latterly as head of cyber/technology & professional lines for Sovereign Insurance in Toronto. His focus has included developing product, pricing, governance, distribution, and portfolio management.
Francesca Harland, focuses on developing the US and international professional liability portfolio. She has a strong track record in miscellaneous and emerging risks, working with clients to develop niche products in this area. She joined Mosaic from Pembroke Syndicate 4000, where she was an underwriter from 2015.
Anna oversees the professional liability division at Mosaic, a global portfolio of professional Indemnity, D&O and medical malpractice. She has almost 20 years’ experience working across the specialty sector, with a core focus on professional liability. Her career in the London market began as a specialist-placing broker, before moving to underwriting. She spent 12 years at QBE International Syndicate 386 and later joined Pembroke Syndicate 4000 at Lloyd’s as divisional director of professional lines.
Olivia focuses on US and international professional liability, and has almost a decade of London market experience. Previously, she spent more than six years in the professional liability sphere as an assistant vice president at Paragon International Insurance Brokers.
Pete Young is responsible for underwriting the professional liability portfolio and developing relationships with brokers and clients at Mosaic. He has spent more than a decade at Lloyd’s and in the London market, and previously was an underwriter for Pembroke Syndicate 4000.
Political Violence
Mason is focused on underwriting and developing Mosaic’s US book of business for the political violence division. Previously, he worked at Validus Specialty, where he spent three years as an associate underwriter with its political violence team.
Luke has a dozen years’ experience in the London market and is responsible for cultivating broker and client relationships at Mosaic. Previously, he worked as a senior underwriter for WR Berkley, overseeing growth and development of the political violence portfolio. Prior to that, he spent 10 years at Willis Towers Watson in its global terrorism and political violence practice, focusing on the UK, European large accounts, and US-domiciled multinationals.
Heather has more than 10 years of industry experience. At Mosaic, she develops broker relations, plans business strategy, and underwrites worldwide sabotage and terrorism for Syndicate 1609 with a focus on the US and Canada. Heather began her career at Ironshore and underwrote war and terrorism at Pembroke Syndicate 4000. She returned to the US to manage a domestic book of business, successfully building a market-leading consortium. She has considerable experience developing new coverage forms in the US market.
Sam identifies key regions for growth and helps build and maintain broker and client relationships at Mosaic. He previously worked for the Chaucer Group, where he spent more than three years, latterly as a deputy class underwriter in the political violence team. Prior to that, Sam spent three years at Aon, as a European terrorism broker.
Michael has prior experience in both professional indemnity and political violence. He provides support for Mosaic’s sabotage and terrorism underwriting team in London.
Josh is responsible for developing Mosaic’s wider political violence portfolio, capitalizing on the Dubai International Financial Center (DIFC) location for the flow of risks into the region. Previously, he worked as a senior political violence underwriter at Chubb Dubai, underwriting and managing regional business. He started his career at Willis Towers Watson, where he spent a decade working out of the UK and Dubai offices, focusing on business emanating from the MENA region.
Sana supports Mosaic’ s team as she develops underwriting skills and helps build our broker network. She previously spent more than six years as a qualified human-resources professional with a sports-media company. She is a graduate of the London School of Economics and Political Science, with a Bachelor of Science degree in Sociology.
Tamar is responsible for developing Mosaic’s wider political risk and political violence portfolios in the US market, after previously supporting our transactional liability division as a legal analyst. She previously worked as a senior lawyer at JSC Georgian State Electrosystem in Georgia, representing the company in the European Union and as an associate at Fridman Law Firm PLLC in New York. She started her carrier at Georgia’s Ministry of Economy & Sustainable Development, where she represented the government in courts, with a particular focus on complex commercial litigation.
Adam is responsible for building out Mosaic’s international political violence book, while complementing work by the unit’s North American team. Previously he spent eight years at AXA XL expanding its political violence line, and also worked at Hiscox. Prior to underwriting, he served as a broker for Aon’s crisis-management division focused on terrorism. Adam represents Mosaic as a member of the Lloyd’s Market Association (LMA) political violence panel.
Jamie has 15 years of experience in the Lloyd’s and US insurance markets. His role at Mosaic includes developing broker relations, business planning, and overseeing aggregate management systems. He underwrites worldwide sabotage and terrorism for Syndicate 1609 with a primary focus on the US and Canada. Previously, Jamie was a senior client advisor at Marsh New York, and a senior underwriter at Swiss Re Corporate Solutions. He also spent six years as a marine underwriter at Pembroke Syndicate 4000.
Leilia supports the political violence division, providing day-to-day assistance on underwriting for accounts. She graduated Newcastle University, UK, this year with a BA in History.
Quentin has deep experience in political violence underwriting, with 40-plus years in the London market. At Mosaic, he oversees broker relations and business development, and underwrites Syndicate 1609’s worldwide sabotage and terrorism account. Previously, he served as global head of marine, including war and terrorism, at Ironshore’s Pembroke Syndicate 4000. Prior to Ironshore, he led that business line for Liberty syndicates at Lloyd’s. Quentin was one of the first professionals to write stand-alone terrorism risk after 9/11.
Megan develops broker relationships and covers sabotage and terrorism risks, with a primary focus on the US and Canada. She has more than seven years in the insurance industry. She previously worked as a senior terrorism underwriter for Liberty Specialty Markets, and as a property underwriter with Ironshore Insurance.
Political Risk
Tamar is responsible for developing Mosaic’s wider political risk and political violence portfolios in the US market, after previously supporting our transactional liability division as a legal analyst. She previously worked as a senior lawyer at JSC Georgian State Electrosystem in Georgia, representing the company in the European Union and as an associate at Fridman Law Firm PLLC in New York. She started her carrier at Georgia’s Ministry of Economy & Sustainable Development, where she represented the government in courts, with a particular focus on complex commercial litigation.
Scott supports Mosaic’s political risk team through placements and development of broker relationships. He previously worked at a technology start-up in Brighton after graduating from the University of Sussex with a BA in Philosophy, Politics and Economics (PPE).
Finn leads Mosaic’s global political risk and trade credit insurance offering. He has nearly 25 years of experience in the political risk market, initially as a broker, before moving to underwriting. He headed political risk and trade credit accounts for Pembroke Syndicate 4000 at Lloyd’s, and similar divisions at AXA ASR and CNA Hardy. Previously, he worked for Chaucer Syndicates and Berry Palmer & Lyle.
Dhruv heads up Mosaic’s operations in Dubai, retaining an underwriting focus on the development of the company’s political risk product in the region. He previously worked in Dubai as a senior underwriter for Hamilton General Managing Agency (formerly Visionary Underwriting), writing structured trade credit and political risk in the wider Middle East and North Africa (MENA) region. Before that, he spent six years with the political risk team at Chaucer Syndicate in London.
Luke supports Mosaic’s political risk unit, assisting in day-to-day underwriting of accounts and developing broker relationships. A graduate of the University of Exeter, he holds an MSc in Financial Analysis and a Bachelor of Engineering in Electronic Engineering. He previously worked in wealth management.
Natalya focuses on building Mosaic’s book of business for the political risk division and developing broker relationships. Previously, she underwrote political risk insurance for 11 years at Pembroke Syndicate 4000/Hamilton Syndicate 4000 across a worldwide portfolio of contract frustration, confiscation and credit risks.
Katharine has 10 years of insurance experience. At Mosaic her role involves underwriting the worldwide Political Risks account for syndicate 1609, developing broker relationships and business planning. Katharine was previously an underwriter on the Political risks account at Pembroke Syndicate 4000 where she began her career.
Financial Institutions
Rey underwrites for Mosaic’s professional liability, cyber, and financial institutions divisions. With more than 16 years of experience in several sectors of the insurance industry, including claims adjusting, risk engineering, insurance placement, and underwriting, he has spent most of his career focused on underwriting management liability exposures. Previously, he developed and led the financial, professional, technology and cyber divisions at Sovereign Insurance in Toronto.
Andrew has spent nearly 30 years in the London market, in both claims adjusting and underwriting. At Mosaic, he brings legal and policy-drafting expertise to the Financial Institutions division. From 2005, he worked with Pembroke Syndicate 4000, having launched his FI underwriting career at SVB. Previously, he held roles in claims at Minet and SVB, where he was exposed to FI, PI and M&A claims in a lead insurer capacity.
Tom leads Mosaic’s financial institutions team, overseeing development of the portfolio globally. He has more than 16 years’ experience in the sector, bringing a wealth of established broker and client relationships. Previously, he oversaw the UK FI sphere at Berkshire Hathaway Specialty Insurance, building a market-leading business. He also spent 12 years with ACE (now Chubb), latterly overseeing the product line in the UK and Ireland.
Ian is responsible for the operational strategy and growth of Mosaic’s Canadian business, whose core lines comprise professional liability, cyber, financial institutions, and transactional liability. With more than 20 years’ experience in the specialty sphere, Ian has developed and led profitable commercial portfolios for cyber and professional and financial lines of business. He has worked with global and Canadian domestic insurance carriers, latterly as head of cyber/technology & professional lines for Sovereign Insurance in Toronto. His focus has included developing product, pricing, governance, distribution, and portfolio management.
Womba underwrites a broad array of financial institutions, from small fund managers to complex banking risks, with a focus on international business in the London market. She has more than 15 years’ underwriting experience, predominantly in all aspects of this sector. Previously, she served as a primary lead underwriter at AXA XL, focusing on a UK and European portfolio. She has also held roles at Tokyo Marine HCC and Zurich, where she underwrote both FI and management liability.
Melissa supports the build-out of cyber, financial institutions, and transactional liability lines, with a focus on opportunities distributed through the Bermuda market. She previously worked at Liberty Specialty Markets Bermuda as an underwriter on the financial lines and special risk teams, and has experience writing the full suite of FI and TL products.
Skyler supports the financial institutions team through placements and development of broker relationships. A former Mosaic summer intern, she graduated from Rollins College, FL in 2023, with a Bachelor of Arts in Communications with a concentration in Public Relations, minoring in Social Entrepreneurship.
Sam underwrites financial institutions, with a focus on asset management business. He formerly spent almost four years at Berkshire Hathaway Specialty Insurance helping build out its FI presence in UK and Europe. He has more than eight years of underwriting experience across the sector. Previously, he held roles at ACE (now Chubb), writing business for both UK and Ireland, and its syndicate.
Louise underwrites financial institutions at Mosaic, helping to build out the portfolio and digital capabilities, with a focus on investment management. She formerly spent three years at Berkshire Hathaway Specialty as an underwriting technician, working with its financial institutions unit to manage a book of business, along with operational processes across UK and Europe. Prior, she held roles at True Traveller and Chubb Australia.
Chris has nearly 40 years’ experience in the Lloyd’s market, first as a financial institutions placing broker, and later as an underwriter in the sector. At Mosaic, he brings a wealth of experience and client relationships as a lead FI underwriter. Previously, Chris spent 13 years as a senior underwriter for Syndicate 4000.
Cyber
Marc supports Mosaic’s cyber team, focusing on day-to-day underwriting of accounts. He previously worked as a technology underwriter at CFC, focused on emerging risks in this space across the US and Israel. He specialised in handling the US Northeast and developing the SME book in the region. Marc has a Bachelor’s degree in Geography from the University of Nottingham, UK.
Lucy supports Mosaic’s cyber team, focusing on day-to-day underwriting of accounts. She previously worked as an assistant underwriter at EmergIn Risk, a Ryan Specialty Group MGA, specializing in cyber, technology and media for US and international clients.
Rey underwrites for Mosaic’s professional liability, cyber, and financial institutions divisions. With more than 16 years of experience in several sectors of the insurance industry, including claims adjusting, risk engineering, insurance placement, and underwriting, he has spent most of his career focused on underwriting management liability exposures. Previously, he developed and led the financial, professional, technology and cyber divisions at Sovereign Insurance in Toronto.
Dennis is responsible for Mosaic’s cyber portfolio across the Continent, and also oversees our new regional service company in Europe. Previously, he worked as a cyber and crime product manager at Finlex, an insurtech specializing in financial lines. Before that, he served as lead cyber underwriter/referral point for Germany, Austria, and Central and Eastern Europe (CEE) at AXA XL. Dennis began his career at Catlin Europe and gained underwriting experience in multiple lines of business, including aviation, casualty, and marine. Dennis is a Fellow of the Chartered Insurance Institute (CII).
Florence supports the cyber team through placements and development of broker relationships. She previously spent six months at Mosaic as assistant office manager, supporting operations, human resources, and events. She studied sport and exercise science at the University of Birmingham, including a year abroad at the University of Nottingham Malaysia focused on nutrition, health, and psychology.
George builds out Mosaic’s cyber portfolio in Bermuda. He manages underwriting, product initiatives, and partnerships for US and international business coming through the Bermuda market and leads several data-focused projects,including harnessing data and analytics to create a sustainable cyber eco-system for Mosaic and partners. Previously, he was a cyber underwriter at Occam Underwriting, after completing Lloyd’s of London’s Graduate Scheme and is an Accredited Chartered Insurer (ACII).
Yosha has more than 24 years’ experience in managing liability, professional and cyber lines. She is responsible for development and oversight of Mosaic’s cybersecurity product globally. Previously, she was technical director of cyber and professional lines at Zurich North America, where she coordinated cyberrisk coverage across all lines of business and oversaw professional liability lines. She held prior roles at Gemini Risk, Ironshore Insurance, and Axis Capital.
Emma supports Mosaic’s international cyber team. She previously worked at AXA XL, where she was a member of the London and Lloyd’s cyber team, working on large corporate excess placements within the international space. Prior, she spent nearly five years at Ascent Underwriting, where she focused on small and medium-sized companies and middle-market cyber and technology risks.
David is responsible for Mosaic’s operational strategy and growth of the company’s US cyber portfolio. He has more than 18 years of experience as a lawyer and insurance professional, with positions in claims, product development, and underwriting. Previously, he was the US Northeast regional manager at Axis Capital, overseeing a portfolio of cyber, technology E&O, professional liability and media, with a focus on both retail and wholesale markets. He held prior roles at ACE USA and was an insurance coverage lawyer at Wilson Elser.
Ted supports Mosaic’s international cyber team, focusing on developing its broker network and underwriting of accounts. He previously worked as a broker at Superscript, a start-up insurtech specializing in cyber, tech, and financial institutions placements. Prior to that, he worked at MGA Aurous Risk Partners, focused on energy and property reinsurance. He has a Master’s degree in Law from the University of Law, UK, and a Bachelor’s degree in Ancient History from Royal Holloway, University of London.
Ian is responsible for the operational strategy and growth of Mosaic’s Canadian business, whose core lines comprise professional liability, cyber, financial institutions, and transactional liability. With more than 20 years’ experience in the specialty sphere, Ian has developed and led profitable commercial portfolios for cyber and professional and financial lines of business. He has worked with global and Canadian domestic insurance carriers, latterly as head of cyber/technology & professional lines for Sovereign Insurance in Toronto. His focus has included developing product, pricing, governance, distribution, and portfolio management.
Toni underwrites cyber risks and develops relationships with key trading partners to drive growth for Mosaic’s European cyber portfolio. Prior, he worked for financial lines broker Finlex as both a product manager and senior consultant for cyber risks for Finlex’s largest clients. He was a senior consultant for cyber risks at Marsh Germany, previously. He began his career at XL Catlin as an underwriter for cyber insurance.
Kyle is responsible for evaluating and underwriting cyber risks, developing broker relationships, and helping drive growth for Mosaic in the Canadian market. He has 14 years of underwriting experience in specialty insurance, most recently leading a start-up Canadian cyber MGA. Previously, he developed and led profitable cyber, errors & omissions, and directors & officers portfolios at CNA Canada and Trisura.
Nicola supports Mosaic’s cyber team, focusing on day-to-day underwriting of accounts. She previously worked as an assistant underwriter in AXA XL’s cyber and technology team, developing a focus on excess placements for large corporate entities. She has also had experience in portfolio management, planning and forecasting, and Lloyd’s reporting and is an accredited ACII chartered insurer.
Eric is responsible for underwriting cyberrisks and developing relationships with key trading partners to drive growth for our North American portfolio. Previously, he worked at RT Specialty in Chicago, beginning as a broker. He servedretail agency partners across the US, providing expertise in cyberrisk and solutions for complex market placements.Eric began his career at Ironshore in Chicago as a financial lines underwriter, focused on cyber, technology E&O, andprofessional liability business.
Daisy is a 13-year industry veteran with experience working in the US Midwest, West, and East Coast commercial insurance markets. At Mosaic, she specializes in assessing and underwriting complex cyber risks across North American markets. Previously, she worked at Crum & Forster as product manager for large lawyers & accountants professional liability portfolios. She also worked for Lockton, where she assisted professional services firms with the placement of property & casualty, professional and management liability coverage needs.
Kimiya contributes to the risk assessment and underwriting of cyber accounts across a variety of industries, as well as fostering broker relationships. She previously was a broker in Aon’s professional services practice, placing cybersecurity, professional liability, employment practices liability, and directors & officers liability for law firms, ranging from $25M to $2B in revenue. She also has experience prior to insurance in public-interest legal services, pharmaceutical outsourced manufacturing, and entertainment event-risk management.
Mel is responsible for underwriting cyber risks and helping drive growth in the North American market. Previously, he held cyber broker roles at Lockton and NFP. Prior, he worked as an underwriter at Crum & Forster specializing in cyber, tech E&O, and professional liability. His background also includes operational and relationship management experience in management liability, healthcare technology, and risk-management information systems.
Reggie supports Mosaic’s North American cyber team. Previously he spent 13 years working in operation management, at Einstein Bros, United Parcel Service, and Cintas. His focus included collecting and analyzing performance-efficiency data and training employees on guidelines and safety protocols. He served eight years in the US Army National Guard as a motor transport operator and completed a military tour assigned to Iraq and Kuwait during 2010–11. He has a Bachelor of Information Systems and Cybersecurity, and an associate degree in Computer Networking.
Melissa supports the build-out of cyber, financial institutions, and transactional liability lines, with a focus on opportunities distributed through the Bermuda market. She previously worked at Liberty Specialty Markets Bermuda as an underwriter on the financial lines and special risk teams, and has experience writing the full suite of FI and TL products.
Tayler is helping build a sustainable portfolio of accounts through her assessment and underwriting of complex cyberrisks for Mosaic. Previously, she specialized in underwriting cyber, technology liability, and miscellaneous professional liability. She worked at Westfield Specialty and Zurich North America, where she provided tailored products to retail and wholesale markets in the US East Coast, Midwest, and West Coast.
Rob is responsible for the development of Mosaic’s cyber portfolio in the Middle East. He is a 12-year industry veteran with experience in both underwriting and broking. Previously, he held roles at Zurich and UIB, leading financial lines business in the region.
James has more than 18 years of experience underwriting international commercial risk, with a focus on the cyber and tech, media and telecom (TMT) sector. At Mosaic, he is developing the international cyber portfolio, starting in London and seeking opportunities in Europe, Asia Pacific, and the Middle East. He was previously head of cyber and TMT for AXA XL’s International Financial Lines division and also held cyber-related roles at QBE, Allianz Insurance, and Zurich.