ANGÉLICA M. CARVAJAL S.
Bogotá,Colombia
Summary
Bilingual Lawyer graduated from Pontificia Universidad Javeriana, MSc in Development Studies from the London School of Economics and Political Science; 27 years of professional experience in the Colombian and Latin American insurance and reinsurance markets.
Experienced with regulatory compliance and policy interpretation, ensuring adherence to industry standards. Utilizes strong analytical skills and attention to detail to assess and mitigate regulatory risks. Knowledge of regulatory frameworks and procedures, contributing to development and implementation of effective compliance strategies.
Overview
28
28
years of professional experience
Work History
Lead Corporate Governance & Regulatory Analyst
Liberty Mutual Insurance Company
11.2022 - Current
- Provide legal and regulatory support to the underwriting function, reviewing, negotiating, and approving wordings and contractual clauses to ensure clarity, consistency, and compliance.
- Act as internal legal counsel for underwriters and other company areas (Claims, Operations), offering preventive advice, contractual risk mitigation, and alignment with corporate policies.
- Deliver strategic legal advice on corporate, commercial, and regulatory matters to support business decisions and protect company interests.
- Draft, review, and negotiate complex agreements, ensuring clear clauses and contractual risk mitigation.
- Ensure compliance with local and international legal frameworks, industry regulations, and internal policies, minimizing regulatory exposure.
- Identify and communicate legal risks to management, proposing practical mitigation strategies to facilitate decision-making.
Legal Consultant
Independent – Legal Consultant
01.2020 - 10.2022
- Provided legal services to Liberty Specialty Markets West’s legal department as an independent contractor through Kennedys Colombia
- Reviewed facultative certificates, slips, wordings, and clauses to ensure compliance with applicable laws and company policies.
- Supported relationships and processes between companies operating in different countries and insurance/reinsurance regulatory authorities.
- Monitored and analyzed marketing regulations applicable to companies across Latin America.
- Responsible for translating documents from English to Spanish and vice versa.
Manager – Financial Lines and Casualty
Guy Carpenter Reinsurance Brokers
12.2016 - 09.2019
- Responsible for reinsurance brokerage of all financial lines and liability accounts.
- Established new business relationships with reinsurers in the UK, US, and European markets.
- Placed D&O policies for two major companies with significant fiscal liability exposure during a hard market caused by rulings from the Contraloría General de Colombia.
Risk Consulting Manager
Aon Risk Solutions
03.2015 - 12.2016
- Led the commercialization and structuring of risk solutions such as ERM, Business Continuity, AML risks, M&A, and Captives for client companies.
- Developed four new products, including insurance program due diligence, particularly for infrastructure projects.
Senior Underwriter – Financial Lines
Berkley Latin America & Caribbean
10.2013 - 10.2014
- Opened underwriting for institutions in Colombia, the Caribbean (Spanish and English-speaking), Bolivia, Brazil, Venezuela, Suriname, Guyana, and Paraguay.
- Prepared and drafted underwriting guidelines for the Financial Lines area.
Senior Underwriter
Hannover Re – Bogotá Representative Office
01.2012 - 10.2013
- Responsible for global banking, fidelity, financial risks, and D&O policies in Latin America.
- Initiated underwriting of professional liability and D&O risks in Brazil from Bogotá.
- Coordinated the team developing the company’s cyber risk/data protection policy, including wording and application form.
Broker
Willis Limited, FINEX, UK
05.2010 - 01.2012
- Managed and placed over 70 financial lines accounts in the Latin American market, including complex placements.
- Analyzed and drafted wordings in English and Spanish for Latin American risks placed in the UK market.
Assistant to the President / Compliance Officer / Financial Lines Manager
Willis Colombia – Reinsurance Brokers
07.2008 - 05.2010
- Organized, implemented, and developed compliance, claims, and collections departments.
- Managed claims for all lines except aviation and contracts.
- Responsible for placing Financial Lines and Liability policies.
Senior Broker – Financial Lines
JLT Re Colombia
01.2003 - 01.2007
- Placed the three largest global banking policies in the UK and European markets, two won through competitive bidding for the first time.
- Trained junior staff in commercial and technical areas.
Broker – Financial Lines
Heath Lambert de Colombia
01.1998 - 01.2003
Education
MSc - Development Studies
London School of Economics And Political Science
London, UK06.2008
Law Degree -
Pontificia Universidad Javeriana
Bogota, Colombia01.1997
Skills
- Legal research
- Business analysis
- Policy analysis
- Regulatory submissions
- Active listening
- Document preparation
- Written communication
- Quality assurance
- Technical guidance
- Legal compliance
Languages
Spanish: Native
English: Fully bilingual
Timeline
Lead Corporate Governance & Regulatory Analyst
Liberty Mutual Insurance Company
11.2022 - Current
Legal Consultant
Independent – Legal Consultant
01.2020 - 10.2022
Manager – Financial Lines and Casualty
Guy Carpenter Reinsurance Brokers
12.2016 - 09.2019
Risk Consulting Manager
Aon Risk Solutions
03.2015 - 12.2016
Senior Underwriter – Financial Lines
Berkley Latin America & Caribbean
10.2013 - 10.2014
Senior Underwriter
Hannover Re – Bogotá Representative Office
01.2012 - 10.2013
Broker
Willis Limited, FINEX, UK
05.2010 - 01.2012
Assistant to the President / Compliance Officer / Financial Lines Manager
Willis Colombia – Reinsurance Brokers
07.2008 - 05.2010
Senior Broker – Financial Lines
JLT Re Colombia
01.2003 - 01.2007
Broker – Financial Lines
Heath Lambert de Colombia
01.1998 - 01.2003
MSc - Development Studies
London School of Economics And Political Science
Law Degree -
Pontificia Universidad Javeriana
Additional Studies
- 2012 – CESA: Diploma in Basic Finance for Non-Financial Professionals
- 2009 – Fundación MAPFRE: Virtual Diploma in Liability Insurance
- 2001 – Pontificia Universidad Javeriana: Diploma in Legal English
- 2000 – Pontificia Universidad Javeriana: Diploma in Financial Analysis