Roland Voggenauer is an actuary by profession, qualified with both the German and the Swiss actuarial society. He heads up the German ASTIN Group (Actuarial Studies in Non-Life), and serves as a member of the P&C committee of the actuarial society in Germany. In his professional career he has covered all aspects of the Property & Casualty business, ranging from product design and ratemaking to reserving and capital modelling. Mr Voggenauer started with Bavarian Re and has since worked for large international firms in the financial sector, including both insurance companies and a “Big Four” consulting unit. His core expertise lies in motor insurance.