Topic introduction

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Personal profile

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Heroko leads Democrance’s business growth in the Asian insurance market. She collaborates closely with Insurers and Brokers, supporting them in building cutting-edge insurance distribution channels. With expertise spanning traditional insurance, InsurTech startups, and management consulting, she drives large-scale digital transformations and innovative business designs in both mature and emerging markets.

Heroko is a qualified actuary (Fellow of the Society of Actuaries) and a Certified Enterprise Risk Analyst with an MBA from Columbia Business School in New York.