I am the CEO and Co-Founder of Cachet, a Techstars portfolio company that is transforming the insurance industry for the platform economy. With over 15 years of experience in technology, communication, and business development, I lead a team of innovators who are creating human-centric services that empower gig and sharing platforms and their service providers.

Cachet is an ecosystem of services that leverages unique cross-market data on the usage of assets or work schedules of the platform workers. By analyzing this data, we enable businesses like insurance companies to offer more personalized and flexible coverage based on the gig workers’ real work hours. We have a license to sell in over 20 European countries and partner with over 15 insurers and a number of leading platforms. My mission is to apply resilience thinking, disruptive technologies, and behavioral psychology to create positive social impact for the platform economy.

I am an experienced Leader, Business Developer and Innovation Manager with years of experience in Insurance and Healthcare industry. I take equal pleasure in witnessing the personal development of team members as I do in the success and progression of ideas

• Successfully managed strategic programs that transformed the organization, setting new industry standards.
• Drove agile innovative projects and proof of concepts, exploring the potential of new technologies in the Healthcare industry.
• Effectively harnessed the collective experience of my teams by acknowledging and appreciating each team member’s strengths, weaknesses, and diversities.
• I am resolute in executing my job, and I derive joy from celebrating successes as a team.
• I have garnered insights from various industries and countries by building cross-industry and international collaborations.

I have gained 25 years of experience across the insurance industry. As a McKinsey partner in consulting, as a BlackRock MD in asset management, and as a regional Allianz CEO. During this time, I have focused on two particularly impactful topics – first, the technical approach to underwrite and assess risks; and second, innovating insurance. On innovation I started by building out Allianz‘ footprint in Africa, across markets and products, to close the protection gap on the continent. And now at CarbonPool, I have been focused on bringing all my cumulated understanding of insurance economics to solving the insurance needs of the most pressing problem of our time: stopping and reversing climate change.

Richard Pash joined Zurich in July 2016 as Director of UK Life Marketing.  He became UK Marketing Director in 2017 and UK Chief Customer Officer in 2020.  Richard leads the UK Customer Office, delivering Brand Marketing, Digital Marketing, Customer Insight and Experience, Customer Communication, and Events. He is responsible for marketing and customer activity for each of our business divisions and across the broader UK business.  He is also a member of the Global Customer Office Leadership Team and a Vice President of the Institute of Customer Service.  

Richard has a wealth of experience, as both Director of Marketing and Customer within market leading financial services, telecoms and ‘fast-moving consumer goods’ industries. Richard has achieved significant results through a strong focus on consumer needs, expertise in Digital Marketing, and leading strategic initiatives. He has broad experience in managing business units in companies such as Virgin Media, Vodafone and Mars.  

Richard lives near Marlborough and studied at the University of Oxford where he achieved an MA in Chemistry. 

Strategy, Innovation and Business development professional with 30 years of experience, 24 of which in Health Insurance, with a strong Fast Moving Consumer Goods background and media/online experience. At AXA for 15 years, expertise in markets across Europe, Asia and LatAm, specialised in healthcare services / health plans, digital health and wellbeing.

Ralitsa Nenkova

Global Insurance Leader, Vice President, Consult Partner, Kyndryl

Ralitsa is Kyndryl’s Global Insurance Leader. She is taking Kyndryl’s run transform run vision with agentic AI into insurance as the sector continues growing rapidly and requires modernisation. She brings two decades of experience with extensive expertise in insurance gained from her senior roles at MetLife and EY. Her background combines consulting, technology, and business development.

Manjit plays a leading role in expanding Clearspeed’s market presence across the insurance sector whilst also serving as a key face of the brand at events, conferences, and in communities within the sector. He has been influential in taking Clearspeed from a virtually unknown brand in the European insurance sector to one of the most talked about InsurTechs across the industry.

He is highly regarded as an industry thought leader and one of the pioneers of the InsurTech movement. He has led the charge for informing and educating traditional, well-established players to remain relevant by helping to shape new propositions that are more compelling and relevant in a constantly connected, fiercely competitive, radically changing market.

With over 30 years’ experience of working in the insurance space alongside co-founding a number of start-up businesses and driving internal innovation for large global corporates, Manjit’s advice is firmly grounded and his role as Advisor to some of the most exciting InsurTech disruptors and industry accelerator programmes ensures he’s permanently well-informed.

Mark Broadhurst is Managing Director of DXC’s Insurance Software and BPS business in Europe. He is responsible for all aspects of DXC’s Insurance business across UK & Europe including financial performance, sales, marketing, customer experience, delivery and partners. He is passionate about delivering 

excellence, and empowering teams to ensure that DXC delivers on its commitments 

to our customers across the Insurance sector, helping them transform how they deliver the experience that today’s buyers expect, using DXC’s insurance software and services to deliver business growth. 

Mark joined DXC in November 2021, with a proven track record of success in Insurance with leadership roles in both customer and vendor organisations. 

Prior to joining DXC he was the Group Director for Insurance at Eurobase International and, in a career spanning more than 30 years, he has also held leadership roles in companies that include Aviva, Intellect Design Arena and 

Equifax. 

Daniel Williams is a Pricing Advisor at Guidewire Software, specialising in rating architecture, pricing strategy, and process optimisation using Guidewire PricingCenter. With more than ten years of GI pricing experience across organisations including NFU Mutual and Ageas (UK), he consults insurers to transform complex pricing requirements into scalable, commercially effective solutions through data and analytics.

Dr. Diana Wolfe is VP and Head of AI Research & Strategy at Kyndryl, where she leads the Kyndryl Institute’s research
portfolio and the enterprise’s strategic approach to AI evolution. A published researcher and data scientist with a doctorate in
industrial-organizational psychology, she studies the architecture of human-AI collaboration: how organizations must
deliberately design the conditions under which people and intelligent systems work together. Her work spans responsible
AI, workforce evolution, and AI adoption behavior, grounded in large-scale empirical research across thousands of
professionals.

Arno de Wever is the Head of Commercial P&C Insurance at Amazon Web Services (AWS). As global industry specialist, Arno spent 25 years building and transforming Commercial & Specialty P&C technology, from policy administration implementations across 30+ countries to leading AWS’s global commercial insurance strategy. His specialism is the London Market and the large corporate and multinational segment: the part of the industry where the complexity is highest, the programs are most intricate, and where the gap between technology ambition and operational reality tends to be widest. Arno operates at the intersection of deep domain knowledge and modern cloud architecture, translating one into the other for carriers, syndicates, brokers and MGAs that are serious about building a technology advantage, not just talking about it.