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                REFRESHINGLY​                 INDEPENDENT


Between us, the RISCS team has many decades of experience working in senior positions at leading insurance and reinsurance brokers, global insurance and reinsurance underwriters, captive managers and corporate and management teams.

We use this unique and wide-ranging expertise to deliver innovative and comprehensive solutions for clients across the globe and across many different industries.


Our consultants have first hand experience in all aspects of captive & ART solutions, from industrial risk management to captive & ART underwriting, from captive establishment to captive management, from captive & ART advisory to captive & ART reinsurance broking.



We live, breathe and deliver captive & ART solutions.

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Oliver brings more than 35 years of captive and ART experience to our clients. He has held a number of senior executive positions in the global captive and ART sectors since the mid-1980s. Oliver established RISCS in 2012 as an independent risk and captive consultancy in response to the growing demand from corporate clients for independent creative solutions to address the instability seen in the traditional insurance markets.

His particular focus has been the incorporation and reinsurance of captives, cell captives and association captives and a myriad of ART structures for a range of different industries from across the world. He has worked with some of the industry’s largest pure and cell captives, largest broker owned captives, leading industry captives and was part of the team that established the very first PCC in the world in 1996 (in Guernsey).

Oliver has presented key-note addresses at captive conferences around the world (European Captive Forum, Guernsey Captive Conference, Zurich Captive Forum, Asian Captive Conference), has provided professional captive reinsurance training to corporates, underwriters and brokers and has published widely on topics including Asian, European and American Business, Global insurance markets, Captives and alternative risk strategies.

Oliver graduated from the University of Southampton with a BA (Joint Honours) in French and English.




Damian has more than 20 years of experience in the insurance industry covering numerous aspects of the sector including broking, captive management, ILS and risk management. He has worked as a broker, a captive manager, a risk manager and as part of an MGA.

As a subject matter expert, he has advised corporate & commercial clients, insurance brokers, Lloyds syndicates, MGAs and insurers on the structure, establishment and running of various offshore risk retention vehicles, including captives, cell companies, side-cars, ILS structures and other capital efficient vehicles.

He has extensive knowledge of and experience in, setting up structures in Bermuda, Cayman Islands, Gibraltar, Guernsey, Hong Kong, Labuan, Malta, the PR of China (where he also acted as an adviser on captives to the Chinese Insurance Regulator, the CIRC), Singapore and in numerous US states.


He was raised and educated in Canada and attended Wilfred Laurier University in Waterloo Ontario, graduating with a BA (Hons) in International Relations.

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Véronique has nearly 30 years of experience in the Insurance Industry with both broker and major Insurance companies (AIG, Zurich and Munich Re), working with Large Corporate clients in a career in Risk Management, Risk Finance, and business development.

Véronique has core strengths in activities related to global insurance programmes with client retentions/participation (such as captives, protective captive cell’s, captive exit strategies, corporate balance sheet, etc.) across multiple business lines/units and jurisdictions.

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David has over 24 years of international financial services experience encompassing insurance, management consulting, asset management and investment banking.  He has directed and designed numerous insurance engagements for multi-national clients.  He is an insurance professional focusing on risk management and corporate innovation for financial efficiency including hard-market solutions.  

Prior to joining RISCS, David managed large client programs at Allianz Global Corporate Solutions (AGCS) for14 years.  Before AGCS, David worked as a financial services industry focused strategy consultant, a Director and Officer's (D&O) Insurance Senior Underwriter, and an investment analyst.


David holds an MBA with Distinction and Strategy Concentration from London Business School, a Chartered Financial Analyst (CFA) designation, and a BSc in Economics from the Massachusetts Institute of Technology (MIT).



Kevin has close to 40 years of experience in the insurance industry, he has worked in the UK, Bermuda, Guernsey, and the Cayman Islands encompassing broking, insurance carriers and captive management.


Kevin is currently located in the Cayman Islands where he has been working for close to 20 years. He spent four years working for the Cayman Islands Monetary Authority and has also worked in the captive management industry where he was more recently Director of Business Development at Artex Risk Solutions (Cayman) Limited. In this role he has helped many corporate clients from numerous industry sectors establish captives, cell company and ILS structures.


Kevin has been a member of the Insurance Managers Association of Cayman (IMAC) Executive Committee and has acted as Chair of the Cayman Islands Forum Committee. He was the inaugural recipient of the Captive International award for Captive Manager of the Year (Cayman) in 2020 while he has also been rewarded by Gallagher as a top salesperson at Artex.


Kevin is an Associate of the Chartered Insurance Institute (ACII) and is a Certified Anti-Money Laundering Specialist (CAMS). 




Jo brings many years of strategic experience at board and CEO level to Fjell Limited (RISCS).


A former solicitor, chair of the Law Society’s Mental Health and Disability committee, charity CEO and trustee, she now combines running The Sounding Boards Network with strategic, business development and marketing input to Fjell as well as a number of voluntary commitments which include school governorships for a primary school federation and for a free secondary school for pupils with special educational needs.

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