What are the most significant cases or transactions that your legal team has recently been involved in?

The team’s main scope is rooted around joint ventures, third-party and long-term agreements with our local and regional partners from different industries, such as automotive, retail, e-commerce, financial, banking and fintech.

We aim to provide fresh and innovative solutions tailored to their specific markets, clients and prospects.

From a litigation point of view, the local insurance and financial markets are facing a rise in actions, with which we must deal. Following our compromise with our partners and shareholders, the philosophy behind our claims management is the group’s spirit to seek the client’s best interest. This translates into working closely with Customer Care and UX teams in prevention policies and following, wherever possible, negotiations that satisfy our client’s needs and expectations.

What will be the main focus for the company in the next 12 months and how do you intend to assist with this?

Continuous lockdowns increased consumers’ interest in digital and on-demand insurance.

Our main objective for the future is to facilitate our partners in transitioning into this new format on a regulatory and contractual basis; strengthening their position, ensuring results and guaranteeing clients’ satisfaction.

How much influence do you, as a general counsel, have on the diversity and inclusions policies of your organisation?

Diversity and inclusion are deeply rooted in Cardif´s DNA. The group lives and grows on those grounds. The role of the legal team, as promoters and ambassadors of diversity and inclusion, is centered in materialising this spirit of no-discrimination, equality and respect in every relation with our clients, partners, employees and stakeholders, at all levels.