HARIGA Christine
Henisdal 8
1600 Sint-Pieters-Leeuw / Mobile: +32 (0) 473/670 682
Tel./Fax: + 32 (0) 2/378 38 28
Belgian, born 06.11.1956

Risk & Business Development Executive

MANAGEMENT SUMMARY AND PROFILE

Risk Management, Insurances and Financial Tools expertise (reinsurance captives, …)
Business Development and Project Coordination
Marketing and Communication (nationally and internationally)
Study and Development of new Products
Legal
Profile : excellent Negotiation and Communication abilities
Successful experience in Management and Development of new Activities in a multicultural and international context
Lawyer (F, N, E)
Strategic Vision and attentive to detail, charismatic

PROFESSIONAL EXPERIENCE

ACT on RISK / 2004 – ongoing

.Founder of Act on Risk , an independent company specialising in consultancy for the insurance and risk

management (risk assessment, risk governance, claims management, legal councils, real estate,…), project

management and development of several missions :

.Claims Management for a lime producer (huge claim of +/- € 25.000.000 - due to a lime pollution in concrete):

concerns more than 250 private and public building sites (ongoing)

.Risk governance audit for rapidly expanding bespoke software company

.Project Officer at EMPAC (European Metal Packaging Association): promotion of the metal packaging

interests, comprehensive risk management survey for the steel market, comments on the European directives (food safety, waste), environmental issues and sustainability, organization of the general assembly

.Commercial and sales development within different global markets (wine, corporate incentives)

.Member of the Board of Partena (insurances and social protection)

DELHAIZE GROUP , Belgium and International
(United States, Greece, Central European Countries and Asia) / 1992 – 2004

Vice-President Group Risk Management reporting to a member of the Executive Committee

Annual Budget of +/- € 20 million premium

Objectives and Responsibilities :

.Identify and manage the risks which could have adverse effects on business opportunities and the bottom line,

stake and shareholder value and reputation

.Create a global Risk Management approach in the Group each time it is profitable in terms of economy of scale

benefit of cover, define minimum standard protection in terms of prevention, continuity plans and develop the

risk awareness locally, manage the claims , follow the different legislations (insurance covers)

.In charge of the national and international Risk Management (direct negotiations and claims management with

the Insurance Companies)

Achievements :

.Corporate international programs (Directors and Officers Liability, Product Contamination,

Employment Practices Liability, K & R, ...),

.Master programs : Employment Benefit plans, Transport, Liabilities, Property, Business Interruption,…

.Successful Management of several crisis : dioxin crisis, product recall, flood, fire + business continuity options,

.Supervision of contracts in terms of liabilities (lease, building projects, product development, investments….)

.Development of alternative methods to cover the risks such as Captive Companies (Luxembourg, Dublin)

where some layers of the risk were auto-insured (+ fiscal benefits)

.Creation of the global Risk Management and Insurances structure and approach of the Group

.Member of the Board of Delhaize Group subsidiaries, of Assubel and Belrim (Belgian Risk Management

Association)

…

FORTIS AG and Decitime, Brussels and Utrecht / 1990 – 1992

Communication Director reporting to a member of the Executive Committee

Responsibilities and Achievements

.Participation in the joint venture AG / Amev

.Internal and External Communication (internal newsletters, presentations to journalists, analysts,…)

.Annual reports and press releases

.Product Campaigns (development of new products)

DE MOERLOOSE (broker), Brussels
/ 1989 – 1990

Marketing, development and Communication Director, reporting to the shareholders (AXA)

Responsibilities and Achievements

.Director of the marketing and Development of new products

.Reorganisation of the Company

URBAINE UAP, Brussels, Paris
/ 1983 – 1989

Product Manager, reporting to the Commercial Director member of the Executive Committee

Responsibilities and Achievements :

. Creation and development of UAP Assistance Belgium - global Management of a small entity

in an international group

.Commercial and technical aspects : excellent development of the activity with brokers and important clients

.Excellent working relationships with the Control Authorities

MONDIAL ASSISTANCE, Benelux
/ 1980 – 1982

Assistant of Direction, reporting to the General Director

Responsibilities and Achievements :

.Creation and Development of the Company in cooperation with other insurance companies

.Legal and Administration

.Good commercial development

European Community Brussels + travels
/ 1980

DG social affairs and Employment – Stage for 6 months

Studies of the Japanese automobile Competition and Textile problems

EDUCATION

.Master in Law (UCL – 1980)

.Business and Administration Cycle (ICHEC -1986)

.Insurances Broker Qualification (Chambre des Métiers et Négoces – 1990)

.Much professional trainings (internal and external London, Vienna, US…) sometimes as key speaker

ASSOCIATIVE LIFE

Belrim (Belgian Risk Management Association)

Conférences Olivaint de Belgique

Cercle Val Duchesse (International Club)

Cercle Royal des Assureurs de Belgique