The MicroEnsure Team
Adjoa joined MicroEnsure with a rich professional experience in Ghana and abroad. Having earned a BA at the University of Sheffield (UK), Adjoa worked as an intern in Goldman Sachs' London office.
Subsequently, she returned to Ghana to lead two start-up businesses, including a food supply company she helped grow revenues from USD 100,000 to USD five million in a space of five years
In 2011, Adjoa was selected by Fortune magazine and the US State Department as one of 26 emerging female leaders in the Fortune/US State Department Global Women's Mentoring Programme, where she interned with Accenture Plc under the mentorship of the CFO and CMO of the company.
In 2012, she was selected by the US Embassy in Accra as the youngest member of a network of notable Ghanaian businesswomen.
A project leader, product designer, corporate sociologist and industry analyst, Andrew tackles challenges in the developing world at intersection of mobile, micro-financial services and mass scaling distribution to unlock access for the unserved and underserved.
As the Head of Mobile Insurance at MicroEnsure, Andrew focusses on mobile insurance strategy and execution. Prior to MicroEnsure, he has 12 years of practical problem solving experiences in socio-technology based project and consulting management expertise in nine Asian countries, acquired through working at NTT, IDC and Telenor Group.
A published author, Andrew contributes thought pieces on social mobile and industry commentaries to publications such as MIT Press, American Sociological Association and Wall Street Journal Asia.
He graduated from advanced education on managing global complex program management at Stanford University, and system approach to product and service design at Cornell University. Andrew also holds a Ph.D. from MMU, where he studied the why and how of corporation in making long-term technology investment decision and an MBA from Cardiff University. He is also a certified Project Management Professional.
Kate joined MicroEnsure Kenya in May 2010 from K-Rep Bank, one of the first microfinance institutions in Africa. She worked as a customer service & product development manager responsible for service delivery and new product innovation initiatives for the bank.
In MicroEnsure Kenya, Kate is in-charge of country operations, business development and relationship management.
Martin Fuller has been Chief Operating Officer since May 2011 having joined MicroEnsure initially as Chief Technology Officer in 2009. His background includes extensive IT and business process consulting, project/programme management and operational service delivery and improvement roles with major blue chip and public sector organizations.
His systems experience covers implementation of both large scale enterprise wide solutions and development of targeted innovative technology solutions to address specific business needs. Previous roles include Professional Services Director with HBS and Mouchel Group plc, Transformation Director with Mouchel Group plc, and COO and co-founding director (and latterly Managing Director) of Archway Consulting Limited, a specialist eProcurement consultancy and solution implementer. He holds a First Class MA Honours and an MPhil from Cambridge University.
Peter Gross is MicroEnsure's Regional Director, Africa. He previously worked as Business Development Manager, Africa and prior to that as General Manager of MicroEnsure Ghana from 2010-2012.
Prior to his work with MicroEnsure, Peter worked for five years with a top US private firm in business development, logistics and sales management.
He holds a BA in Classics from Davidson College, a BA/MA in Theology from Oxford University, and an MBA from Emory University. Whilst in Atlanta, he began a ministry on his street that offered food, prayer and counseling to neighbors trapped in urban exploitation, including drug addiction and prostitution.
Richard began working in microinsurance in January 2002 after leaving Benfield Greig, a leading reinsurance intermediary, where he worked as a reinsurance broker responsible for the African account and worked in a team covering the Middle East and South East Asia.
Richard pioneered the introduction of insurance products within the Opportunity Network, which led to the establishment of the Micro Insurance Agency, which subsequently became MicroEnsure.
He is an industry expert in the field of microinsurance and also serves on the steering committee of the ILO “Micro Insurance Innovation Fund,” a $35m fund provided by the Gates Foundation.
Will de Klerk joined MicroEnsure in September 2010. Will is a seasoned health insurance professional with over twenty years experience in health care financing and the initiation, development and delivery of low cost health insurance products.
Will has experience in product development, product pricing, distribution and financial performance management with a specific focus on the low income market. Technically Will has experience in contractual arrangements and commissioning of service providers, the development of wide primary care networks to improve access to healthcare for low paid workers and negotiation with regulators for registration of products.
Will previously worked as a Director for JMCA, an actuarial consulting firm based in South Africa and operating three Southern African countries where he consulted to numerous employer and private medical insurance schemes.
William joined MicroEnsure Philippines with 13 years working experience in life insurance and 17 years working with non-life insurance products in the Philippines market. William also has extensive experience over 38 years in the not-for-profit and microfinance sectors.
In his last role before joining MicroEnsure William managed and supervised TSKI’s micro insurance and microfinance agriculture program, as well as other micro services programs including Nutritional Laboratory, Electronic Livelihood Program, Shell Solar Electricity Program, K Pharmacy and Kauswagan Village.
William is a renowned authority on micro insurance in the Philippines and was a member of the team that designed innovative Micro Insurance Products such as weather index insurance for typhoon & drought, micro housing, health, life, funeral & personal accident.
Philippines Insurance Commission Starts Microinsurance Dispute Framework
The Insurance Commission (IC) has signed a circular to implement the Alternative Dispute Resolution for Microinsurance (ADReM) framework.
Stephen Cartwright Appointed as Finance Director for MicroEnsure
Stephen Cartwright has been appointed as Finance Director for MicroEnsure. Stephen’s broad experience has been gained across finance, sales and marketing functions in multinational corporations.
Clinical Lessons from the Mountain (Part Two)
Is Pneumonia being over-diagnosed?
Identifying Microinsurance Breakthroughs
In 2001 Jim Collins wrote in his book “Good to Great” about how companies achieve breakthrough. He asked his readers to imagine having the task of getting a huge flywheel with a 30 foot diameter in motion.