Master’s in Economics, University of St Gallen, Switzerland; MBA, universities of Rochester, US and Bern, Switzerland. More than 25 years of experience in the banking and insurance sectors and has held a range of senior international positions. 1990, joined Credit Suisse as an Internal Auditor; 1992, Auditor, Deutsche Bank and Commerzbank, Japan. 1994, External Auditor, Coopers & Lybrand. 1994-99, various roles in the Credit Risk Management Department, Credit Suisse. 1999, joined Zurich as Chief Financial Officer, Group Reinsurance; 2003, Chief Financial Officer, European region and European General Insurance; then Chief Operating Officer; 2009, Head, Global Business Services, based in the US; 2012-15, Chief Operating Officer, General Insurance business, based in Switzerland; 2015, Chief Executive Officer, General Insurance, Latin America, based in Brazil; 2016, Chief Executive Officer, Latin America; October 2016, Member of the Executive Committee.