About Francesca
Strategic Executive Leader with over 25 years of high-level experience in the insurance industry.
After a career as a Senior Executive, I am now transitioning my expertise into independent strategic consultancy. I offer high-impact strategic guidance and operational excellence to organizations, supporting Executive Boards and Management teams through critical transition missions.
As a former Chief Actuary, Board Member, and Senior Auditor, I offer a rare hybrid expertise: combining deep actuarial modeling with robust corporate governance. I have navigated the “Three Lines of Defense” at the highest levels, specializing in building resilient structures that bridge the gap between regulatory compliance and operational performance.
Why partner with me for your freelance missions?
- Immediate Seniority: No learning curve. I step into complex environments (BGaap, Solvency II, IFRS17) with the authority of a peer to your C-suite.
- Objective Perspective: As an independent consultant, I provide unbiased audits and strategic counsel, free from internal corporate politics.
- Flexibility & Impact: I bring the rigor of a "Big Four" partner with the agility and dedicated focus of a boutique freelancer.
Core areas of intervention:
- Strategic Counsel: Advising Executive Boards on complex risk landscapes and financial reporting.
- Governance & Audit: Specialized in internal control, regulatory compliance, and strengthening the actuarial function.
- Transition Leadership: Leading multidisciplinary teams through large-scale projects or organizational shifts.
I am a solution-oriented leader dedicated to driving operational excellence and providing high-impact strategic guidance to senior management.
French
Native or bilingual
English
Fluent
Italian
Native or bilingual
Dutch
Conversational
Spanish
Conversational
Can work on-site
Bruxelles (up to 50km)
Experience
- Foyer AssuranceHead of Pricing, Reporting & Legal for Belgian MarketBANKING AND INSURANCENovember 2022 - March 2026 (3 years and 4 months)Luxembourg, Luxembourg
- Board member responsible for technical and commercial pricing strategy for the Belgian market.
- Executive Reporting: Acted as a key point of contact for the CEO, CFO, and CRO, providing strategic assurance on balance sheet solidity and regulatory monitoring.
- Regulatory Oversight & Compliance: Ensured full alignment with Belgian and Luxembourg regulatory requirements and internal governance frameworks.
- AddactisDirector, Head of Regulatory Practice WorldwideCONSULTING AND AUDITSNovember 2019 - November 2022 (3 years)Bruxelles, Belgium
• Strategic Advisory :
- Led the global deployment of actuarial and regulatory solutions (IFRS 17, reserving, Capital Modelling, Solvency II or similar) across multiple international hubs (Latina, Asia, Europe).
- Designed and adapted solutions to client-specific needs across multiple countries.
- Developed and implemented addactis group strategy, anticipating market risks and new opportunities.
• Project Leadership:
- Served as Project Manager for a worldwide Reinsurance client, driving large-scale transformation projects.
- Ensured the coordination and the implementation of the strategy in the various hubs (Latina, Spain, Portugal, Asia) and the relationship with partners (+- 30)
• Team Leadership:
Managed a global team of 15+ FTEs and 5 market leaders, fostering a culture of technical excellence.Skills: Loss Reserving · Solvency II · IFRS 17 · project management · Data managment · Leadership · Management - Athora BelgiumP&C Chief actuary and Non-Life Reinsurance ManagerBANKING AND INSURANCEMarch 2016 - October 2019 (3 years and 7 months)Bruxelles, Belgium
Leading the Non-Life & Health actuarial departments (8 specialists covering reserving, pricing, and reporting (technical & regulatory)) with a dual focus on technical profitability and strategic risk transfer.
Actuarial & Portfolio Management
- Reserving & Valuation: Oversight of BGaap (IBNR, IBNER, ULAE) and Undiscounted Best Estimate (BE) calculations; provided first-line opinions on reserve adequacy (LAT).
- Strategic Reporting: Developed quantitative tools to monitor profitability and KPIs across LoBs and distribution channels; drove portfolio remediation and product renewals.
- Pricing & Underwriting: Steered technical and commercial pricing strategies to ensure market competitiveness and margin stability (portfolio profitability) with innovative pricing methodologies. Presented technical studies and actuarial opinions to the Board, Technical Committees, and Regulatory Authorities.
- Regulatory Compliance: Key contributor to ORSA reports and QRT implementation; established robust Solvency II Data Quality frameworks.
Reinsurance Strategy & Operations
- Structure & Negotiation: Designed and optimized reinsurance programs aligned with corporate strategy; led treaty negotiations and managed broker/reinsurer relationships.
- Technical Oversight: Managed CAT modeling activities, benchmarking, and performance analysis.
- Representation: Board member of TRIP as representative of Athora Belgium.
Executive Reporting:
Acted as a key point of contact for the CEO, CFO, and CRO, providing strategic assurance on balance sheet solidity and regulatory monitoring.
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Education
- Master Actuarial Sciences (Magna Cum Laude)Université Libre de BruxellesMaster Actuarial Sciences (Magna Cum Laude)
- Master MathematicsUniversité Libre de BruxellesMaster Mathematics