Meet Camelot Expert: Paul Harknett With more than 30 years of experience leading complex transformation programmes across financial services, Paul Harknett brings a rare combination of strategic leadership, regulatory expertise, and hands-on delivery excellence to The Camelot Network. As Paul explains, Camelot provides a unique opportunity to collaborate with fellow experts across sectors: "Camelot provides a unique 'collision space' for seasoned experts to share genuine war stories. It allows me to test my thinking against peers and stay at the absolute cutting edge of how different sectors are tackling the same systemic challenges." We sat down with Paul to learn more about his company, Time for Plan B, as well as his experience, approach and ambitions. What is your role now since leaving corporate life? I am an "Operational Architect" and Strategic Transformation Leader. I help C-suite boards at Tier-1 financial institutions and high-growth FinTechs bridge the gap between strategic vision and executable delivery, turning complex regulatory and technology mandates into measurable business value. Area of expertise Change, Portfolio & Programme Delivery that drives business value & measurable objectives connecting the organisation across business & technology to achieve success. Highest/proudest most recognisable previous role COO/CTO Software Company & Consultancy experience in both the US & EMEA that established EMEA delivery & product operating capabilities that delivered a 300% increase in revenues for end-to-end STP, Trade Settlement & Payment solutions. Grew US business from Sales, through delivery & support driving US revenue & profit by approximately 400%. Other highlights would include: Delivered c.£200m in quarterly Risk Weighted Asset savings for Barclays via a global reference data restructure spanning the investment bank, wholesale bank and wealth business. Drove cost efficiency of c.£61m via a 16-week rapid turnaround of the Lloyd's of London market charges programme, delivering a Workday-based solution. Remediated a c.£225m regulatory portfolio at NatWest addressing S166 COREP findings and the PRA's "Dear CEO" requirements. Delivered c.£20m in annual processing savings at NatWest through a cloud-based Making Tax Digital solution, alongside a c.30% reduction in third-party contract costs. Owned a multi-year c.£260m regulatory compliance programme across nine Risk & Finance functions and 17 global legal entities at HSBC, avoiding regulatory fines. Protected c.£780m per annum of issuing and acquiring revenue at Barclaycard, delivering work-streams of the £15m+ Mercury programme against MasterCard and Visa mandates. Please can you provide some examples of recent projects/professional high points that you've worked on? Career Highlights include: Led major Risk, Finance, Data and Regulatory transformation programmes for organisations including Lloyd's of London, Barclays, NatWest, HSBC, Credit Suisse Group and JPMorgan. Deep regulatory expertise, operating directly with PRA and senior regulatory stakeholders. Led finance change at Lloyd's of London, including Workday implementation delivering £61m market savings in 16 weeks and supporting settlement flows representing 9% of UK GDP. Delivered large-scale portfolios up to £260m, managing 150+ direct and 200+ indirect global resources across business, data and technology. Achieved £200m quarterly RWA savings at Barclays through global market reference data transformation. Currently Leading the deliver of a SaaS Data & AI service driving Finance processing improvements. Delivered £20m annual savings at NatWest via cloud-based tax and regulatory processing SaaS solutions, including third-party contract renegotiation (c.30% cost reduction). Extensive payments, data and transaction processing expertise overseeing up to £340bn per day processing. Strong commercial and P&L ownership, with a proven track record of increasing revenue and profit. COO/CTO Software Company & Consultancy experience in both the US & EMEA that established EMEA delivery & product operating capabilities that delivered a 300% increase in revenues for end-to-end STP, Trade Settlement & Payment solutions. Grew US business from Sales, through delivery & support driving US revenue & profit by approximately 400%. Pragmatic, C-suite facing leader who builds trusted partnerships across business, data and technology and third parties to de-risk delivery and ensure measurable financial and regulatory outcomes. What is your unique selling point? What makes your business approach unique? I "own the how." While many can define a strategy, I specialise in joining the dots across fragmented legacy systems, massive data sets, and complex regulations to ensure the wheels don't fall off. I bring the rare combination of deep FS (Financial Service) regulatory expertise and large-scale P&L (Profit and Loss)/technology ownership. Do you have a favourite quote? "Complexity is the enemy of execution." In my experience, the most successful transformations aren't the most complex; they are the ones where everyone from the C-suite to the shop floor understands the 'why' and their role in reaching the goal. From Ted Lasso, but a Walt Whitman quote: "Be curious, not judgemental." Any professional goals for the upcoming year? My focus is two-fold: securing my next high-stakes executive mandate (COO/CTO/Transformation [Chief Operating Officer/Chief Technology Officer/Transformation]) where I can drive enterprise-wide change, and expanding my work with the APPG AI [All-Party Parliamentary Group on Artificial Intelligence] on ethical regulation. I'm also passionate about championing Process Intelligence tools (like Celonis) to help organisations move from "gut feel" to data-driven operational excellence. And… Last but not least, how does being an expert of Camelot help you/or add value to your business? Camelot provides a unique "collision space" for seasoned experts to share genuine war stories. It allows me to test my thinking against peers and stay at the absolute cutting edge of how different sectors are tackling the same systemic challenges, specifically around AI governance and data-led transformation. _____________________________________________________________________________ As organisations across insurance and financial services grapple with regulatory change, data challenges and the growing impact of AI, Paul's combination of strategic thinking and hands-on delivery experience makes him a valuable addition to the Camelot Network. With a track record of turning complex transformation programmes into measurable business outcomes, Paul brings practical insight, hard-earned lessons and a clear focus on execution. His expertise will help enrich discussions across the network as members collaborate to solve some of the industry's most pressing challenges. Connect with Paul on LinkedIn: www.linkedin.com\in\paulharknett

What is your role now since leaving corporate life? Independent Business Architect at Mukul Limited. I help financial services, insurance and public sector organisations turn strategy into deliverable target operating models, capability maps and governance frameworks that survive contact with delivery. How long have you been an expert of Camelot? May 2026 Area of expertise Business Architecture / Operating Model Design Highest/proudest most recognisable previous role Business Design for Brexit Day 1 Operating Model at UK Home Office. How long have you been doing this subject/area 20+ years What is your company name? Company: Mukul Limited. Do you have a website? https://www.organisedfriction.co.uk/ What is your LinkedIn profile URL? https://www.linkedin.com/in/deepakmohan/ Please can you provide some examples of recent projects/professional high points that you’ve worked on? Led business design for a large multi-operating entity transformation programme for a global commercial insurance company. Pioneered ‘Organisation Debt’ as a diagnostic tool for identifying cross-domain redundancy in a multi-line insurance business. Promote simplification of business services using service patterns in a public sector business. What is your unique selling point? What makes your business approach unique? I treat operating models as pattern languages, not org charts: reusable, named service patterns that connect strategy to delivery. Twenty years across financial services, insurance and the public sector means I can move from boardroom principle to working service design without losing either end. Do you have a Favourite quote? “Good design is obvious. Great design is transparent.” Joe Sparano. Any professional goals for the upcoming year? Publishing The Decision Architect, my book on organisational design patterns and operating model frameworks, currently in copy-editing with a trade publisher showing active interest. Growing Organised Friction, my thought leadership platform, as a home for practical business architecture writing. And continuing to take on operating model and service pattern work with organisations wrestling with genuine transformation complexity, not just documentation exercises. And… Last but not least, how does being an expert of Camelot help you/or add value to your business?Being independent means the usual peer network of a corporate role disappears, so Camelot fills that gap. It gives me a community of experts who've made the same leap, which matters when you're used to bouncing ideas off colleagues down the corridor. The Road Tests and SIGs are a genuine way to stay sharp outside my own client work, and the referral network has opened doors I wouldn't have found solo. For a one-person practice like Mukul Limited, that combination of shared experience and trusted introductions is hard to replicate any other way.

Tell us a bit about the history of your company, number of employees, when the company was founded etc:- We spent close to four years building FraudOps quietly before bringing it to market, with the support of Zurich who were our early adopter customer, and the company was formally founded in 2025. The team is around twelve — a core engineering group building the product, supported by a panel of experienced counter-fraud and insurance advisors who shape where it goes. We are UK-based, a fully remote team, built on Microsoft Azure and backed by Toolagen Venture Studios. What are the main services you offer your customers? FraudOps is an AI-powered investigations workbench for insurance fraud teams. Today most fraud investigators still work out of Excel, Outlook and a case system bent to fit the job, stitching each case together by hand across LexisNexis, Experian, DVLA, Companies House, IFB and IFR. FraudOps brings every referral, case, document, task and outcome onto a single screen, so teams spend less time hunting for information and more time closing cases. It sits downstream of the detection tools insurers already run and turns that detection pipeline into worked cases and real savings. FraudOps doesn't detect fraud; it makes the detection and data you've already invested in useful. AI agents take on the repetitive work — reading documents, pulling out the key facts, running intelligence searches across connected data sources — while the investigator stays in control of every decision, with a full audit trail behind it. Alongside the main workbench, our Rapid Screen product applies a consistent set of identity, voice-risk, industry-database and claims-history checks to every claim at first notification, so risk is surfaced to the handler before a case is even opened. Describe your perfect target customer or business problem:- Our ideal customer is a UK insurer, TPA or specialist investigation firm that already has a named fraud investigation team and detection tooling in place, but is running the actual investigations out of spreadsheets and email. Detection has largely been solved across the industry; what happens after the alert hasn't. These teams have referrals queuing up, cycle times stretching, and no single place to manage cases, intelligence and outcomes — so legitimate claims sit in investigation too long, and some fraud settles simply because the investigator ran out of time. That's the problem we're built for. The strongest fit has at least three investigators, an existing SIU or investigation function, and a budget owner in Claims or Fraud. Provide some examples of recent projects/professional high points that you’ve worked on? FraudOps is live with a number of customers including Zurich Insurance and MPL Claims. Since launch in 2025 we have managed more than 50k settled investigations and £150m+ of suspect claims One Tier 1 insurer has seen a 95% reduction in outstanding referrals, and investigation completion is running 25%+ faster you For a 4 person TPA team, FraudOps delivered c. £26k pa savings through process-efficiency (before any fraud-outcome savings are counted) We were named Technology Partner of the Year at the 2025 POST Claims & Fraud Awards We are 2026 finalists at the British Insurance Awards, POST Claims & Fraud Awards, British Insurance Technology Awards and I Love Claims Pitch Competition. Brief details about upcoming projects? We're in active proof-of-concept and pilot conversations with several UK insurers, and we've started engaging with insurers in the US on the back of inbound interest. On the product side, the near-term focus is deeper AI inside the existing workbench — including using AI to replace the traditional, dev-heavy integration work that usually holds fraud projects up. For example, loading case data from a screen capture of a legacy claims system, rather than waiting on a long API build. A visual link-analysis capability for mapping connected parties and organised activity is also in development for later this year. How do you hear about Camelot and the services we provide? Camelot was referred to me via my Business Mentor, Mark Huxley who is also a Camelot Member. Why did you choose to partner with Camelot? I wanted to understand the insurance industry more deeply — the real challenges beyond the claims-fraud area I knew well — and to connect with claims and fraud experts I wouldn't otherwise meet. FraudOps is creating a new category, so honest feedback from experienced people on whether the proposition lands is worth a great deal to us. What have been the highlights / benefits of being a member of Camelot? Two of the counter-fraud experts we met through Camelot now advise us, and they're actively shaping the direction of the product. Beyond that, we've learned a lot about how the industry really works and made some useful connections along the way. Over the coming months we're hoping to partner with independent consultants on go-to-market, to help get FraudOps into the hands of the right customers. Tell us one interesting fact about your company? We're a fully remote team and completely bootstrapped — stable, revenue-positive and growing without having taken any VC funding. Anything else you want to add? If you run or advise a fraud investigation team and want to see how FraudOps turns a full referral queue into worked cases, we're happy to give a short walkthrough — just drop us a line. We are keen to work in partnership with the Camelot Experts to better evolve FraudOps. ROI Calculator - https://fraudops.ai/features/automation-efficiency/#roi-calculator Website – https://fraudops.ai/ FraudOps News - https://fraudops.ai/articles/news/ Get in touch - sales@fraudops.ai

What is your role now since leaving corporate life? I am sole director of Provenance Data Risk Partners Limited, with a background in data governance and internal audit. I help insurance firms gain meaningful assurance over their most critical data. How long have you been an expert of Camelot? since March 2026. Area of expertise Data Governance and control frameworks. Highest/proudest most recognisable previous role The part of my career that I am most proud of was the first time that I designed a data controls framework to successfully support my firm's internal model application process. I've taken these learnings forward and developed them into the sophisticated methodology that I now offer to the market. How long have you been doing this subject/area 16 years What is your company name? Provenance Data Risk Do you have a website? Provenance Data Risk What is your LinkedIn profile URL? Navin Ahuja | LinkedIn Please can you provide some examples of recent projects/professional high points that you’ve worked on? Designed and implemented data governance frameworks in 2 London Market firms to support their Internal Model approval applications. Set up a new starter data governance induction training at one carrier. Trained auditors in data governance risk and how to audit data governance frameworks effectively. Led audits at a Tier 1 bank to identify unmitigated risks in the collection and processing of data used for critical regulatory reporting. What is your unique selling point? What makes your business approach unique? With a background in Risk, Audit and Data, I enable firms to determine whether their data controls would survive scrutiny and design data control frameworks that provide auditors and regulators with demonstrable evidence of effectiveness. Any professional goals for the upcoming year? Build out and promote my offering. And… Last but not least, how does being an expert of Camelot help you/or add value to your business?Camelot is an opportunity for me to work with other like-minded people and to collectively achieve more than we could alone.

Website:- www.obrela.com Linkedin Profile:- https://www.linkedin.com/company/obrela-security-industries/ Tell us a bit about the history of your company, number of employees, when the company was founded etc:- Obrela has been providing Managed Cyber Security, Risk & Compliance and Incident Response services for more than 15 years with 300 employees across the UK, Europe and the Middle East. All of our original founders remain actively involved in the business today which is a reflection of the stability, continuity and long-term commitment that defines Obrela as an organisation. That longevity is directly relevant to our insurance partners: we are not a start-up taking on risk we cannot handle. We are a mature, operationally proven business with deep institutional knowledge of how cyber incidents unfold – and, crucially, how to resolve them. What are the main services you offer your customers? Obrela is an NCSC Assured and CREST accredited provider of 24/7 Incident Response and Managed Security Services — the two accreditations most commonly required for cyber insurance IR panel appointment in the UK market. We also have other relevant accreditations for other international markets. We are a pure service provider: we do not sell hardware or software. Instead, we wrap our expert-led services around a client’s existing security infrastructure. This vendor-neutral model ensures there are no conflicts of interest when advising or supporting a policyholder mid-claim, and no incentive to over-scope remediation. We also offer Managed Risk & Controls (MRC) which is a service-based approach to Governance, Risk & Compliance (GRC). This is delivered from the same integrated platform as our operational security services. This means insurers and MGA partners can access Cyber Risk Assessments, Incident Response Preparedness, real-time Managed Security and Compliance Management through a single provider relationship, supporting risk quality oversight across the full policy lifecycle. White paper on cyber risk quantification: operationalising financially quantified, threat-informed cyber risk management. White paper on how prompt injection and agentic AI abuse can lead to data exposure, unsafe tool execution and workflow manipulation, and learn how organisations can build practical detection and response capabilities using existing security telemetry. White paper on rethinking exposure: why the “patch everything” model is failing the modern enterprise. For IR panel managers specifically, Obrela offers: • NCSC and CREST accredited Incident Response, available 24/7/365 • Rapid mobilisation with forensic evidence preservation to support regulatory reporting and post-incident litigation. • Direct integration into the insurer’s claims workflow alongside loss adjusters and legal counsel • Multi-geography capacity across UK, Europe and the Middle East Describe your perfect target customer or business problem:- We are actively seeking appointments to IR panels with carriers and insurers who require NCSC and CREST accredited, 24/7 response capability. We are also looking to partner with MGAs to co-develop innovative cyber product offerings that wrap our services around policy coverage — creating differentiated propositions for policyholders and improved loss ratios for providers. We work with insurance providers and intermediaries to improve loss ratios through better pre-breach risk management, faster incident containment, and comprehensive post-incident remediation. We are known for being flexible and commercially creative. We are open to referral arrangements, white-label delivery, revenue-share structures, and named-panel appointments embedded within policy wording. Provide some examples of recent projects/professional high points that you’ve worked on? Client engagements are confidential, but our partnerships demonstrate the scale and complexity of environments we are trusted to protect and respond within: Global Retail: supporting one of the world’s largest retailers through active cyber incidents and ongoing managed security NGO / Third Sector: delivering managed security services to one of the world’s largest non-governmental organisations Financial Services & Fintech: trusted by multiple leading Fintech providers for ongoing MDR and IR services Critical Infrastructure & Public Sector: recognised as a thought leader at industry-defining events alongside NATO and the European Space Agency, giving Obrela early awareness of emerging threat actors and attack patterns from geopolitically sensitive environments Brief details about upcoming projects? We are actively working with insurance providers to develop new service offerings for the market including pre-breach monitoring programmes that can be bundled with cyber policy coverage, and structured IR response arrangements designed to integrate directly into claims processes. We welcome conversations with carriers, MGAs and brokers who are looking to strengthen their cyber proposition or expand their IR panel capability. How do you hear about Camelot and the services we provide? Word of mouth led me to Camelot and its reputation! Why did you choose to partner with Camelot? For Obrela, working in the insurance ecosystem is strategic and Camelot helps towards that goal Tell us one interesting fact about your company? All of our original founders are still actively involved in the business!

What is your role now since leaving corporate life? Founder of AMPM Marketing Ltd, providing board-level marketing consultancy to financial services and regulated businesses. I help organisations unlock sustainable growth by aligning brand, customer insight, data and digital to deliver measurable commercial outcomes. How long have you been an expert of Camelot? Recently joined in 2026. Have you been a panel expert on any Road Tests? Not yet, but I’m looking forward to contributing—particularly on challenges around growth, customer experience and the evolving role of brand in regulated markets. Are you a leader or a member of a Camelot Special Interest Group? Not currently, but keen to get involved in areas such as marketing effectiveness, customer experience and AI in insurance. I’m especially interested in how firms balance innovation with trust, transparency and regulatory expectations. Area of expertise:- Marketing / Growth Highest/proudest most recognisable previous role:- Former Marketing Director, The Co-operative Bank – led brand and customer turnaround post-crisis. How long have you been doing this subject/area? 30+ years What is your company name? AMPM Marketing Ltd What is your LinkedIn profile URL? https://www.linkedin.com/in/alastairpegg/ 1. Please can you provide some examples of recent projects/professional high points that you’ve worked on? I have led a number of growth and transformation programmes across financial services and adjacent sectors. Recently delivered a turnaround for a retirement living business, improving conversion and reducing cost per lead through CRM and customer journey optimisation. Built a “One Brand” strategy post-acquisition for a national insurance broker, driving strong digital growth. Previously led the marketing turnaround at The Co-operative Bank, reversing customer decline and rebuilding trust through insight-led brand and digital strategy. 2. What is your unique selling point? What makes your business approach unique? I connect brands to commercial outcomes. My focus is turning marketing into a measurable growth engine—aligning customer insight, data and digital execution to drive acquisition, retention and lifetime value. 3. Do you have a Favourite quote? “Clarity is commercial” 4. Any professional goals for the upcoming year? To build a portfolio of advisory and interim roles within financial services and insurance, supporting firms to drive growth through better customer understanding, stronger propositions and more effective use of data and AI. I’m particularly interested in helping organisations treat brand as a strategic asset—shaping demand, improving conversion and building long-term trust in increasingly competitive markets. 5. And… Last but not least, how does being an expert of Camelot help you/or add value to your business? Camelot provides a high-quality forum to test ideas, challenge thinking and stay close to real industry issues. It’s valuable as both a sounding board and a way to contribute practical, commercially grounded experience. For me, it’s about sharing what works in practice while learning from others tackling similar challenges across the insurance ecosystem.

What is your role now since leaving corporate life? I’ve founded SIGMA, an independent consultancy practice, advising MGAs, by Brokers, Insurers and other industry specialists, helping with IT and software, Schemes, Product Analysis, Delegated Authority, Marketing and a range of other services. How long have you been an expert of Camelot?   I've been an Expert of Camelot for well over 12 months Area of expertise Brokers, MGAs, Schemes and Delegated Authority, Marketing and IT/Software Solutions Highest/proudest most recognisable previous role Commercial Director/Chief Commercial Officer at SchemeServe. How long have you been doing this subject/area Almost 40 years (in 2027) What is your company name?   SIGMASolutionUK Limited Do you have a website?  www.sigmasolution.uk What is your LinkedIn profile URL?  https://www.linkedin.com/in/seanneal1/ Please can you provide some examples of recent projects/professional high points that you’ve worked on? IT procurement and vendor selection on behalf of a growing MGA. Help with scheme build and marketing for a niche broker. Email and Social media marketing for an established MGA. Marketing positioning and industry relationships for a software house. Website help, social media and industry relationships for a loss adjusting firm. What is your unique selling point? What makes your business approach unique?  Being at the  ‘sharp end’ for  40 years in broking, schemes, MGAs and software, I’ve been there, done that, and have several t-shirts. Using all of that experience I’m here to guide others in similar situations to avoid the pitfalls and providestrategic advice, a helping hand and guidance with an all-encompassing service  Do you have a Favourite quote? Carpe Diem. Any professional goals for the upcoming year? Continuing to help and advise any insurance industry professional, across a range of services,   And… Last but not least, how does being an expert of Camelot help you/or add value to your business? Being a Expert of Camelot highlights my previous experience to a wider audience, and allows that experience be shared to the larger network of advisors.

The insurance industry is evolving rapidly, driven by technological advancements, changing customer expectations, and new regulatory landscapes. As we look ahead, it is clear that the future of insurance will be shaped by innovation and adaptation. This blog post explores the key trends that will define the insurance sector in the near future, offering insights and practical advice for businesses and consumers alike. Emerging Insurance Future Trends to Watch The insurance industry is embracing digital transformation like never before. Several trends are gaining momentum and are expected to become standard practice in the coming years: Digitalisation and Automation : Insurers are increasingly using digital platforms to streamline policy management, claims processing, and customer service. Automation reduces errors and speeds up operations. Personalised Insurance Products : Data analytics and AI enable insurers to offer customised policies tailored to individual risk profiles and preferences. Usage-Based Insurance (UBI) : Particularly in auto insurance, UBI models charge customers based on actual usage or behaviour, such as mileage or driving habits. Blockchain for Transparency : Blockchain technology promises to enhance transparency and security in transactions, reducing fraud and improving trust. Sustainability and ESG Focus : Environmental, social, and governance (ESG) factors are becoming important in underwriting and investment decisions. These trends are not isolated; they interact and reinforce each other, creating a dynamic environment for insurers to innovate and compete. Will Insurance Be Taken Over by AI? Artificial Intelligence (AI) is transforming many industries, and insurance is no exception. AI technologies such as machine learning, natural language processing, and predictive analytics are being integrated into various insurance functions: Claims Processing : AI can quickly assess claims, detect fraud, and automate approvals, reducing turnaround times. Risk Assessment : Machine learning models analyse vast datasets to predict risks more accurately than traditional methods. Customer Service : Chatbots and virtual assistants provide 24/7 support, answering queries and guiding customers through policy options. Underwriting : AI helps underwriters evaluate applications faster and with greater precision. However, AI is unlikely to completely take over insurance. Human expertise remains crucial for complex decision-making, ethical considerations, and personalised customer interactions. Instead, AI will augment human roles, making processes more efficient and improving customer experiences. Actionable recommendation : Insurance companies should invest in AI tools while training staff to work alongside these technologies. This hybrid approach will maximise benefits and maintain trust. The Role of IoT and Big Data in Insurance The Internet of Things (IoT) and big data analytics are revolutionising how insurers collect and use information. Connected devices such as smart home sensors, wearable health trackers, and telematics in vehicles provide real-time data that insurers can leverage: Risk Prevention : IoT devices can alert policyholders to potential hazards, such as water leaks or unsafe driving, helping prevent claims. Dynamic Pricing : Real-time data allows insurers to adjust premiums based on current behaviour and conditions. Enhanced Customer Engagement : Data-driven insights enable personalised communication and proactive service. For example, a smart home sensor detecting smoke or carbon monoxide can trigger immediate alerts to both the homeowner and the insurer, potentially reducing damage and claims costs. Practical tip : Consumers should consider policies that integrate IoT devices for better coverage and potential discounts. Insurers should prioritise data security and privacy to build customer confidence. How Regulatory Changes Will Shape the Industry Regulation plays a critical role in the insurance sector, ensuring consumer protection and market stability. Future trends indicate a shift towards more comprehensive and technology-focused regulations: Data Privacy and Security : With increased data collection, regulators will enforce stricter rules on data handling and consent. Insurtech Oversight : As technology-driven startups disrupt traditional models, regulatory frameworks will evolve to address new risks and business practices. Sustainability Reporting : Insurers may be required to disclose ESG-related risks and investments, promoting transparency and accountability. Cross-Border Regulations : Globalisation of insurance services will necessitate harmonised regulations to facilitate international operations. Staying compliant will require insurers to be agile and proactive in adapting to regulatory changes. Recommendation : Companies should establish dedicated compliance teams and invest in regulatory technology (RegTech) solutions to monitor and manage compliance efficiently. Preparing for the Future: What Insurers and Customers Should Do The future of insurance is promising but also challenging. Both insurers and customers need to adapt to the evolving landscape: For Insurers : - Embrace digital transformation and invest in emerging technologies. - Focus on customer-centric models with personalised products and services. - Strengthen cybersecurity measures to protect sensitive data. - Collaborate with insurtech startups to foster innovation. - Monitor regulatory developments and ensure compliance. For Customers : - Stay informed about new insurance products and technologies. - Consider policies that offer flexibility and usage-based pricing. - Use IoT devices to enhance safety and potentially reduce premiums. - Review coverage regularly to ensure it meets changing needs. By taking these steps, both parties can benefit from the advancements shaping the insurance industry. For a deeper dive into the evolving landscape, explore more about the future of insurance . Embracing Innovation for a Resilient Insurance Industry The insurance industry is at a crossroads where technology, customer expectations, and regulatory demands converge. Embracing innovation is not just an option but a necessity for survival and growth. The trends discussed here highlight a future where insurance is more personalised, efficient, transparent, and sustainable. Businesses that proactively adapt will gain a competitive edge, while customers will enjoy better products and services tailored to their unique needs. The journey towards the insurance future trends is ongoing, and staying informed and agile will be key to success in this dynamic sector.

I’m a strategic partnerships and loyalty expert with over 20 years of experience. My focus is on helping businesses engage and retain their valuable customers. I also work on building new sales channels that drive customer acquisition. My Role at Camelot I have just joined Camelot, where I aim to leverage my skills to create impactful projects. My experience in customer loyalty and engagement, along with commercial partnerships, will be invaluable here. Professional Highlights One of my proudest achievements was serving as the Strategic Partnerships Lead at Capillary Technologies. In this role, I successfully built, launched, and scaled a loyalty program for a leading UK bank. The program aimed to reward, engage, and retain existing customers while generating a revenue stream to offset operational costs. Unique Selling Proposition My unique selling point lies in my dual experience on both the client and agency sides. This perspective allows me to understand the challenges clients face in customer loyalty. I can offer tailored solutions that address their specific needs. Future Goals In the upcoming year, I plan to deepen my expertise in loyalty, customer engagement, and strategic partnerships. My goal is to deliver measurable commercial impact for clients. I will contribute to project success through clear strategic thinking and high-quality deliverables. Expanding My Network I aim to expand my network by identifying new partnership opportunities. This includes supporting business development and sharing thought leadership. Continuous learning is also a priority for me. I want to strengthen my consulting toolkit and become a trusted advisor known for practical insight, creativity, and client value. The Value of Being Part of Camelot Being an expert at Camelot opens up exciting opportunities. I look forward to engaging in projects that transform customer experiences and improve retention. I believe my expertise can significantly contribute to these initiatives. Inspirational Quote Lucille Ball once said, "I'd rather regret the things I've done than regret the things I haven't done." This quote resonates with me as I navigate my new journey. The Importance of Customer Loyalty Customer loyalty is crucial in today's competitive market. Businesses that foster loyalty often see increased sales and customer retention. A strong loyalty program can create lasting relationships with customers. It encourages repeat business and enhances overall brand reputation. Building Effective Loyalty Programs Creating an effective loyalty program requires careful planning. It should align with the brand's values and resonate with the target audience. Understanding customer preferences is key. Surveys and feedback can provide valuable insights into what customers want. Engaging Customers Through Personalization Personalization is a powerful tool in customer engagement. Tailoring offers and communications to individual preferences can significantly enhance the customer experience. By leveraging data analytics, businesses can create targeted marketing strategies that speak directly to their customers. Measuring Success in Loyalty Programs To ensure the effectiveness of loyalty programs, businesses must measure their success. Key performance indicators (KPIs) such as customer retention rates, engagement levels, and revenue growth are essential. Regularly reviewing these metrics can help refine strategies and improve outcomes. Conclusion As I embark on this new chapter with Camelot, I am excited about the potential to make a difference. My extensive background in customer loyalty and engagement will guide my efforts. I am eager to explore new projects and contribute to meaningful change in the industry. In this ever-evolving landscape, I am committed to staying ahead of trends and continuously enhancing my skills. I believe that with the right approach, we can create exceptional customer experiences that drive loyalty and success. For more insights and updates, feel free to connect with me on my LinkedIn profile .

Website:- https://www.dynarisk.com Linkedin Profile:- https://www.linkedin.com/company/dynarisk Tell us a bit about the history of your company, number of employees, when the company was founded etc:-    DynaRisk is a threat intelligence-led cyber risk solutions provider, founded in 2016. We support insurers, reinsurers, MGAs and brokers globally with solutions designed to help cyber insurance products and programmes scale. Today, DynaRisk works with more than 30 insurance partners worldwide and supports programmes across personal and SME lines. Our platforms and services are built for global deployment, supporting over 15 languages, helping make cyber protection accessible in both mature and emerging markets. What are the main services you offer your customers? DynaRisk provides a holistic suite of cyber risk solutions that support the full insurance lifecycle, from new business and prospecting through to ongoing risk management and incident response. Our services broadly fall into three areas: New Business & Prospecting Tools that help reinsurers, insurers, MGAs, and brokers identify where cyber insurance can add value, uncover new opportunities, and improve conversion through risk-led engagement. Cyber Risk Management Personal and SME cyber risk management software using passive scans, dark web monitoring, education, and actionable insights to help insureds reduce risk throughout the policy lifecycle, resulting in improved loss ratios. Incident Response Access to cyber support services and FNOL triage, guiding insureds through cyber incidents and helping minimise impact when issues arise Describe your perfect target customer or business problem:- Our ideal customers are insurance organisations actively looking to scale cyber across personal and SME markets, while maintaining underwriting confidence and protecting loss ratios. This primarily includes reinsurers, insurers, established MGAs, and large brokers operating in mature insurance markets such as the UK,Europe, the US, and Singapore. These organisations typically manage multiple products, operate across regions, and are under pressure to grow cyber in a way that is commercially sustainable. They are often facing: Low cyber adoption despite clear and increasing risk Challenges demonstrating cyber value to customers and distribution partners A lack of visibility into cyber risk across portfolios The need to balance growth targets with underwriting discipline Our strongest fit is with organisations that recognise cyber cannot scale through product design alone, and are looking to embed risk insight, engagement, and ongoing risk management into their cyber strategy. Provide some examples of recent projects/professional high points that you’ve worked on? Some recent client expansions  Global Reinsurer – EMEA focus We have worked with a global reinsurer since 2020 to support successful deployments for millions of policyholders across Benelux, the UK, Ireland, and recently expanding into MENA. Global Reinsurer – EMEA focus  We work closely with a global reinsurer, supporting SME cyber offerings distributed through a leading Central and Eastern European bank and insurer network. This includes multi-channel campaign support to raise awareness and drive adoption across multiple markets. We also support the US division with its commercial lines offering. Not a recent client win, but a great case study to share based on some insight we recently received on conversion rates.  Leading UK broker We support one of the UK’s leading brokers through the use of our cyber risk assessment tools, enabling more effective cyber conversations with SME clients. As a result, cyber conversion rates have doubled from single digits to double digits on commercial cyber when our tools are used. The business also closed a round of funding in July to help global expansion. Brief details about upcoming projects? We’d like to highlight an upcoming launch, a new feature within our product Breach Check. Breach Check is DynaRisk’s intelligence-led cyber risk assessment and monitoring platform, used by insurers, reinsurers, MGAs, and brokers to assess cyber exposure, support underwriting, and drive cyber growth across their portfolios.  As the latest enhancement to the platform, Cyber Customer Exposure Reports will help identify cedants and distributors whose commercial customers have already been compromised, providing clear, evidence-based insight into where cyber risk is actively materialising.  By surfacing real-world incidents and historic compromise, the reports help overcome common objections such as “the timing is not right” or “cyber is not a priority,” and create urgency for action.  This enables partners to confidently launch and scale embedded, white-label, or resale cyber programmes that grow GWP, improve conversion, and differentiate in an increasingly competitive soft market. How do you hear about Camelot and the services we provide? We were introduced to Camelot through Alex at an MGAA event.  Why did you choose to partner with Camelot? We chose to partner with Camelot because of the strength of the network and the opportunity to build meaningful relationships across the insurance market, while also increasing awareness of DynaRisk and our role in helping cyber insurance products and programmes scale. What have been the highlights / benefits of being a member of Camelot? One of the early benefits has been access to experienced industry perspectives. The conversations we have already had with experts have been insightful and valuable. Tell us one interesting fact about your company? Our CEO and Founder actually started out as a hacker!

What is your role now since leaving corporate life? I set up Hexium Consulting to give advisory input across Claims, including strategy and performance, along with experience on business transformation delivery and Programme Management. How long have you been an expert of Camelot?   I joined the network in January Area of expertise Claims and Transformation. Highest/proudest most recognisable previous role UK Head of Claims Transformation at RSA, delivering business change across RSA’s claim estate in UK and Europe.  UK Head of Technical Claims How long have you been doing this subject/area Transformation 5 years. Claims 36 years What is your company name?   Hexium Consulting Ltd What is your LinkedIn profile URL?  www.linkedin.com/in/simon-tasker-acii-13557425 Please can you provide some examples of recent projects/professional high points that you’ve worked on? Implemented Guidewire ClaimsCenter at RSA.  £150m programme to improve claims handling processes and capability using integrated technology, improved data and introduced digital handling for direct customers and brokers.  What is your unique selling point? What makes your business approach unique?  My experience within the insurance industry gives me the insight to how insurers think strategically and operationally – reduce spend, improve efficiency, drive customer experience. This helps with how they should be approaching transformation and continuous improvement but also for considering how new products or capability is brought into their organisation..  Do you have a Favourite quote? I had an old boss who was ahead of his time with innovation in claims and he said   “if you always do what you have always done, you will always get what you have always got” Any professional goals for the upcoming year? I want to land a role or contracts that will keep enabling my experience to continue to help organisations and deliver value. And… Last but not least, how does being an expert of Camelot help you/or add value to your business? Camelot is an opportunity community ! I’ve already had a number of conversations with members and partners which have been sharing knowledge, forging new relationships and networks.

Embracing Transformation Since stepping out of the corporate world in 2022, I’ve embarked on a mission to help organizations move beyond box-ticking approaches to change. I care deeply about helping people find meaning in transformation and discover their true north in environments that are constantly shifting. With Navigate New Waters, I partner with organizations to turn disruption into clarity and momentum. My goal is to align strategy, structure, and culture to create meaningful, sustainable change that sticks. My Expertise in Camelot How long have you been an expert of Camelot? I have been an expert with Camelot since December 2024. Have you been a panel expert on any Road Tests? I haven’t participated in a Road Test yet, but it’s something I’m really looking forward to. It seems like a fantastic opportunity to share experiences, exchange perspectives, and support others in their change journeys. Are you a leader or a member of a Camelot Special Interest Group? I'm a member of the Women’s Collective Special Interest Group. I’m also interested in supporting other Camelot Special Interest Groups. I enjoy collaborating with people who are passionate about advancing the industry. I’m excited to dive into meaningful conversations and projects that create real, positive impact. My Areas of Expertise Strategic Reorientation Organizational Development Culture Change Thought and Transformational Leadership My Professional Journey Highest/Proudest Most Recognisable Previous Role I am proud to be the founder of Navigate New Waters. This role allows me to follow my passion for making real, meaningful change happen. How long have you been working in this area? I have been in this field for 25 years. What is your company name? My company is called Navigate New Waters Ltd. What is your website? You can find more information at www.navigatenewwaters.com . What is your LinkedIn profile URL? Connect with me on LinkedIn: Conny Scharfe | LinkedIn . Recent Projects and Professional Highlights I have worked on several significant projects that showcase my expertise: Digitalization and Automation Initiative : I designed and steered a change initiative for a company-wide digitalization and automation process. This impacted 4,200 employees and improved implementation efficiency across multiple departments in 42 agencies. Global Change Initiative : I coordinated and executed the global change initiative "Own The Way You Work™." This project implemented new work models that affected 14,000 employees across 32 countries, enhancing organizational flexibility and efficiency. It also received the European Diversity Award and the Honorary Prix Balance Switzerland. Strategic Projects in Private Banking : I led and oversaw strategic projects and change initiatives in Private Banking. These efforts optimized processes and drove organizational transformation across diverse business functions, impacting 12,000 employees. Unique Selling Point What sets my business apart is our commitment to making change meaningful and lasting. We help organizations by blending strategy, structure, and culture to ensure transformation truly takes hold. Our approach combines multinational private-sector experience with a human-centered focus. This alignment builds momentum and drives sustainable, meaningful transformation. Inspirational Quote One of my favourite quotes is by Peter Drucker: “The greatest danger in times of turbulence is not the turbulence - it is to act with yesterday’s logic.” Professional Goals for the Upcoming Year In the coming year, I aim to continue expanding Navigate New Waters. My goal is to support more organizations in navigating change with clarity and care. The Value of Being a Camelot Expert Being part of Camelot connects me with a fantastic group of experts from various fields. It’s a great opportunity to share ideas, learn from others, and stay updated on industry trends. This network helps me bring fresh perspectives and practical solutions to my clients. Having that support and insight makes a real difference in how I guide organizations through change, making the whole process smoother and more effective. In conclusion, my journey since leaving corporate life has been fulfilling. I am dedicated to helping organizations navigate change with clarity and purpose. With a wealth of experience and a passion for transformation, I look forward to making a lasting impact in the industry.