Mariam Harfush-Pardo is Head of Division for Retail and Commercial General Insurance (RCGI), with 20 years of experience in risk management across regulation and industry. She oversees the supervision of +100 UK insurers, including retail and commercial general insurers, life and non-life branches, and run-off firms, and leads work on the implementation of solvent exit planning. Most recently, she was the Chief Risk Officer at a blockchain-based payment system. Mariam began her career in banking and has a PhD in Financial Economics from Imperial College London.