Sean Ringsted is Chief Digital Business Officer at Chubb, the world’s largest publicly traded property and casualty insurance company and the largest commercial insurer in the U.S. As the leader of Chubb’s 100% digital business unit, Sean is responsible for overseeing revenue, products and capabilities with partners, including digitally native platforms and financial institutions, as well as driving digital business results with the company’s traditional agent and broker partners. He is also responsible for the use of data and analytics to drive decision-making insights across the organization. Sean has more than 30 years of experience and holds a Bachelor of Science degree in Biochemistry from Bristol University and a Doctorate of Philosophy in Biochemistry degree from Oxford University. He is a Fellow of the Institute of Actuaries (FIA). Sean is currently the Chair of The Institutes Future of Risk Advisory Board.