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Making Risk Flow is a podcast powered by Cytora. This insurance podcast is designed to bring clarity, know-how and inspiration in driving digital transformation for commercial insurers, paying particular attention to the automation of risk processing. This podcast, led by industry veteran Juan de Castro as well as insurance change-makers, will showcase their learnings, challenges and solutions that have, or haven’t, worked for them. If you are embarking on leading a transformational project ...
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Direct Music Service

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Direct Music Service podcast is a mix series recorded by the best DJs from around the world. Best of all its 100% free. We cover all genres of music and specialize in making you move your feet. So subscribe sit back and move to the best mixes the internet has to offer.
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This podcast is created with a heart for people with a ❤ for their craft and from all walks of life🌹 We'll find inspiration and discover new ideals at every turn 🤗 Enjoy Support this podcast: https://podcasters.spotify.com/pod/show/kahde/support
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In the final episode of Season 5 of Making Risk Flow, host Juan de Castro sits down with James Platt, Co-Founder and Operating Partner of Trimstone Partners, a boutique strategy consulting business focused on supporting major strategic change in the insurance, asset and wealth management industries. James has an illustrious career in operational tr…
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In this episode of Making Risk Flow, Juan de Castro speaks with Bob Gadaleta, Executive Vice President at Twin Maples Speciality, a new division of Starr Insurance designed to focus on serving mid-market businesses through wholesale brokers in the US. Bob joined Starr to assume this newly created position, bringing over 29 years of insurance indust…
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In this episode of Making Risk Flow, host Juan de Castro speaks with Stephane Flaquet, the Group Chief Operations and Technology Officer at Hiscox. Stephane is a financial services professional with broad experience in all aspects of operations, technology, and change management. Stephane’s love for the industry spawns from the social purpose of in…
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In this milestone 50th episode of Making Risk Flow, host Juan de Castro is joined by Bob James, the Chief Operating Officer of Lloyds. Bob is a seasoned senior insurance executive who has left an indelible mark on the insurance industry. He’s held C-suite positions in leading U.S. and International insurers, and is member of the Board of Trustees f…
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In the latest episode of Making Risk Flow, host Juan de Castro speaks with Emmanuel Clarke. Emmanuel wears many hats, including serving as Chairman of the Board at the BMS Group and Compre Group, and as a Senior Advisor at McKinsey & Company. Industry insiders speak of Emmanuel as a living legend in the insurance sector. With over 30 years of exper…
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In this episode of Making Risk Flow, host Juan de Castro is joined by Arslan Hannani, a Vice President at Travelers, to discuss the role culture plays in driving innovation in the insurance industry. With Travelers being a 165-year-old global insurance company, Arslan firmly understands the importance of evolving in the space. Together, the pair di…
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In this episode of Making Risk Flow, host Juan de Castro is joined by both Tony Buckle, former Chief Underwriting Officer of Allianz Global Corporate, and John Carolin, former CEO of B3i. Tony and John now work for UWX, a company set about reimagining underwriting. During their discussion, the trio talk through effective ways to navigate a soft mar…
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In this episode of Making Risk Flow, Juan de Castro speaks with Bill Bloom, a board member at Aviva Canada, Bamboo Insurance, and Foundation Risk Partners. Over his 28-year career, Bill has led the strategic direction at global insurers and consultancies, including Accenture, The Hartford, and Aviva. He has also played a leading role in integrating…
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This time on Making Risk Flow, host Juan de Castro is joined by Clive Buesnel, Managing Partner, International at Insurance Advisory Partners. Clive is a seasoned insurance industry expert, having held prestigious roles at Deloitte, Jubilee General Insurance Company and Tysers. Clive shares his extensive experience and deep knowledge of the insuran…
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In this episode of Making Risk Flow, Juan de Castro speaks with Neil Galjaard, Divisional Managing Director of Markel UK, a global specialty insurance provider. Neil has over 30 years of experience in the insurance industry and has held leadership roles at companies like Lloyds, Virgin Money, and Towergate Insurance. Neil joined Markel in 2016 to l…
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In the latest episode of the Making Risk Flow podcast, host Juan de Castro interviews Sufen Lim, Senior Vice President at Tokio Marine Group. With over a decade of experience spanning investment banking to her current role, Sufen offers a unique perspective on the industry's evolution and Tokio Marine Group's strategic vision. Sufen joins Juan to s…
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In this episode of the Making Risk Flow podcast, Cytora’s Juan de Castro is joined by James Anderson, Partner at EY, to delve into historical and current challenges around the soft and hard market cycle. James, an experienced actuary turned consultant, shares valuable insights on the use of analytics and technology to drive business improvement. To…
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In this episode of Making Risk Flow, host Juan de Castro interviews Jacob Palmer, Partner at Boston Consulting Group (BCG). Jacob has over 13 years of industry experience in consulting, risk management, and insurance. In his role at BCG, he advises global insurers on everything from growth acceleration to the adoption of new technologies. Together,…
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Greetings from The Bronx,Amira is a dancer who practices Raqs Sharqi, an Egyptian dancing style popularized during the Golden Age of Egyptian cinema. The dance is done at haflas (parties), weddings, restaurants, and there is even a version performed as a form of resistance. We spoke about Amira's entry into the world of Raqs Sharqi, the history of …
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It's a new year and a new season of the Making Risk Flow podcast. This time, host Juan de Castro sits down with Andrew Horton, the Group CEO of QBE Insurance. Located in 26 countries, QBE Insurance is one of the world's top 20 insurance and reinsurance companies. During the course of their conversation, Juan and Andrew discuss QBE’s approach to con…
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In this episode of Making Risk Flow Juan is joined by Simon Cooper-Williams (Director of Portfolio Development Solutions at Markel International) and Jamie Wilson (Head of Pricing and Innovation at Hyperexponential). Together they discuss how the role of actuaries has evolved over the years, and how they work together with underwriters to achieve m…
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In this episode of Making Risk Flow, host Juan de Castro is accompanied by Nigel Walsh, the Managing Director of Insurance at Google, to delve into the exciting role of technology in the insurance industry. Juan and Nigel explore the potential for technology, particularly artificial intelligence, to revolutionise underwriting workflows and decision…
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With the exciting news of PPL's Next Gen release, here's an episode from the Making Risk Flow vault. In the episode, host Juan de Castro is joined by Bronek Masojada, the former CEO of Hiscox and former Chairman of Placing Platform Limited (PPL). Their conversation ranges from discussing Bronek’s time at Hiscox and his reflections on the challenges…
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David Sharps is the owner of the Lehigh Valley No. 79 Barge and the president of the Waterfront Museum in Red Hook, Brooklyn. David has lived on the barge since the 1980s when it first docked in Red Hook. The ship itself has a long history that we explore in this episode. It currently serves as a museum, performance space, and David's home. David l…
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Owen L. Rees, a professor of Music at the University of Oxford and a Fellow in Music and Organist (Director of Music) at The Queen's College, University of Oxford, speaks about Tomás Luis de Victoria (1548–1611), a renowned Spanish Renaissance composer celebrated for his choral music, known for its harmonies and profound spiritual expression. BOOKS…
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Eymund Diegel is an urban planner specialized in the mapping and analysis of changing urban, rural, and natural habitat systems. Over the past several years he has been mapping Brooklyn's "ghost streams" - sites where streams and waterways existed in Brooklyn's original ecological zones and now live under asphalt and development. His work is center…
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Jonathan Thacker, the King Alfonso XIII Professor of Spanish Studies and a Fellow of Exeter College at the University of Oxford, discusses Lope de Vega (1562–1635), a playwright and poet who played a crucial role in Spanish literature during the Golden Age. He was a contemporary of Cervantes and Shakespeare, and he authored as many as 800 plays and…
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In this episode of Making Risk Flow, host Juan de Castro interviews Meghan Hannes, the Head of US Underwriting Management, Cyber Risks at Beazley. As a highly accomplished executive leader, Meghan has demonstrated success in portfolio management, actuarial and data science, and cyber risk management services. During the course of the discussion, Ju…
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Michael Christoforidis, a Professor of Musicology at the Melbourne Conservatorium of Music, University of Melbourne, discusses Manuel de Falla (1876–1946), a pivotal figure in Spanish culture during the Silver Age and arguably one of Spain's most renowned composers. He achieved widespread recognition in a country more famous for its literary and vi…
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Catherine Davies, emérita professor of Hispanic and Latin American Studies at the University of London, talks about Rosalía de Castro (1837–1885), one of Spain’s finest lyrical poets, certainly the most loved and admired of the nineteenth century. Rosalía de Castro ushered in a new era of modern poetry in Spain, and left an enduring legacy in Spani…
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In this podcast episode, Juan de Castro interviews Jeffrey Hayman, a CEO, Chairman, board member, and entrepreneur in the global insurance industry. Hayman has an impressive track record in executive roles at carriers like AIG and, more recently, in non-executive roles, including his current position as Chairman of the Board at R&Q Insurance Holdin…
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In this episode of Making Risk Flow, host Juan de Castro sits down with three friends in the underwriting and insurance space to discuss the importance of underwriters in the insurance industry and how technology can improve their efficiency and effectiveness. They mention the need to digitise data, automate processes, and provide decision support …
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Tirtzah Bassel is a visual artist based out of Brooklyn, New York. She has gained worldwide praise for her series Canon in Drag - a series of paintings in the style of iconic artworks – subverts the authority of canonical images through gender flipping and altered narratives. We met at her studio in the Brooklyn Army Terminal to talk about her life…
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In this episode of Making Risk Flow, host Juan de Castro sits down with Bryan Falchuk, the President and CEO of Property & Liability Resource Bureau, and David Gritz, the Co-Founder and Managing Director of InsurTechNY. Drawing upon research gathered from the Insurance Collaboration Index, the trio discuss the impact collaboration can have in the i…
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Greetings from Southold, New York!Amy Kasuga Folk is a writer, researcher, Southold town historian, and the manager of collections for the Oysterponds Historical Society, as well as the manager of collections for the Southold Historical Society. We spoke about her many research topics: Plum Island, Rumrunning on Long Island during Prohibition, menh…
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Elke Reva Sudin is an artist living in Brooklyn, New York. She garnered much attention from her Hipsters and Hassids series in which she juxtaposed two seemingly different cultures in Williamsburg, Brooklyn but in turn showed their similarities. We spoke about not only this project, but the full breadth of her work, her business Drawing Booth, her …
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Making Risk Flow is back for it's fourth season! In the first episode of the new series, host Juan de Castro is joined by his good friend and Deputy CUO and Head of Third Party at Inigo Insurance, Craig Knightley. During their conversation, the pair discuss just how data analytics and insights can play a pivotal role in gaining a competitive advant…
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Travis Tanay is a photographer from Farmingville, New Jersey. His subjects include beautiful portraiture, unique and unusual characters, and scenes from around his hometown in New Jersey. Travis recently published his first photo zine, The Land of Dirt and Dreams, which features the array of interesting characters and wares found at the Collingwood…
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Greetings from Samaipata, Bolivia!I met Sara Tara at a night market in Samaipata, Bolivia, where she was selling her artwork. Sara is a long-term solo traveler who is trained in multiple therapeutic practices. We had a great talk at Cafe 1900 where we discussed her experiences while traveling, the joys and struggles of being a nomad, different ther…
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Greetings from Sucre, Bolivia!Juan Pablo Gumiel Castro is the head chef and founder of Proyecto Nativa, a gastronomy restaurant in Sucre, Bolivia. He is joined by chef Kevin Caballero Ananda who helps to provide English translation, and my partner, Leslie, who also provides translations. In this episode we talk about growing up in Bolivia, food cul…
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Greetings from Uyuni, Bolivia!Elvis Bolivar Viluyo is a guide and mountaineer from Tarija, Bolivia. I met Elvis while I was exploring the Southwest of Bolivia by Jeep. The Bolivian Southwest is home to the Bolivian Salt Flats, several lagoons, mountains, desert landscapes, natural hot springs, geysers, and unearthly rock formations. In this convers…
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In the last episode of Season 3 of Making Risk Flow, host Juan de Castro highlights some of his favourite moments from the series. During the season, Juan has hosted 15 excellent guests from brokers, insurers and advisors. Looking back at the season, Juan, with the help of insightful clips, talks about the three common challenges that have spanned …
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In this episode, Juan is joined by Nathália Bellizia, Managing Director at Boston Consulting Group (BCG), to analyse the BCG's upcoming Value Creation Report. The eagerly awaited document shall help identify the patterns of insurers that have created value over the last five years compared to those that have destroyed value. Juan and Nathália also …
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Greetings from Bolivia!I'm on the road in Bolivia for the first six weeks of the summer. This is a mini-episode about my experiences on both the Peruvian and Bolivian sides of Lake Titicaca. Follow along this summer for some solo episodes about the places I visit within Bolivia. More from TVTV:https://linktr.ee/thevoyagesoftimvetter…
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In this episode of Making Risk Flow, Juan is joined by analytics expert Paul Mang, Innovation Advisor at Guidewire and former global CEO of Analytics at Aon, to discuss the use of analytics in insurance and how to get better returns on such investment. Juan and Paul also address how the industry can make progress through interoperability, ways in w…
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In this episode, Juan is joined by both Neil Peters, the National Director of Branch Network at Arch International UK, and Arvind Drubhra, the Director of Operations for the UK and Ireland at HDI Global SE. During the course of their conversation, Juan, Neil and Arvind discuss how to leverage data to drive growth, the steps and target states to ach…
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Estamos de fiesta en este podcast, celebrando el natalicio del "Bad Bunny” del siglo XIX, Juan Morel Campos (166 años), la Semana de la Danza Puertorriqueña y los cinco años del Isla Caribe Podcast. Para esta celebración volvemos a sentarnos con Luis Zayas, quien fue nuestro primer invitado un 16 de mayo de 2018, junto a su hermana Ingrid Zayas. Am…
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This time, we are wanting to shine a light on a previous episode from our back catalogue. Recently, insurers have been focussing more and more on implementing digital risk flows. So, here's an episode on that very topic. The goal of digitising risk flows is to enable automated decision making on the best course of action for each submission, charac…
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Comenzamos el mes de mayo hablando sobre San Germán que este mes esta de fiesta celebrando 450 años, pero ¿porque se celebra en San Germán? En este podcast nos sentamos hablar con el historiador Juan Riestra sobre los ataques piratas que forzaron el movimiento de la Villa, hasta llegar a las Lomas de Santa Marta en 1573, hace 450 años. Dale oido y …
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This time on Making Risk Flow, host Juan de Castro is joined by Paul Brand, the CEO of Convex Insurance. In the episode, Juan and Paul discuss the three pillars of Convex’s success in the insurance industry: creating the perfect company culture, optimising technology to make data-driven decisions, and how operational excellence can give businesses …
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In this episode, Juan is accompanied by Sheila Cameron, CEO of Lloyd's Market Association, to discuss digitising the London insurance market. Over the course of their discussion, the pair talk through how the London insurance market is changing, ways to drive change in the complex environment, and the importance of standardising data across the ind…
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Greetings from St. Marks Place!Phillip Giambri has lived one hundred lives. Known as the "Ancient Mariner," Phillip is a product of the streets of South Philadelphia, he obtained his deviant perspective on life listening to Jean Shepherd on WOR radio back in the '50s. Fleeing Philly at seventeen, he served in the US Navy Submarine Force, has been a…
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