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Astrid Ludin
President – International Organisation of Pension Supervisors (IOPS)
Deputy Commissioner – Financial Sector Conduct Authority of South Africa (FISCA)
Group MD & CEO –British American Holdings PLC (Britam)
Chairman –Association of Kenya Assurers
Astrid Ludin is Deputy Commissioner at the FSCA. She joined the market conduct regulator in June 2021 and her responsibilities include oversight over financial markets and retirement fund supervision, as well as the digital transformation of the FSCA. Since November 2024, Astrid is also the President of the International Organisation of Pension Supervisors (IOPS).
Astrid has more than 25 years of experience in public policy and regulation and organizational transformation. She led major South African law reforms, including the reform of company, consumer protection and credit legislation. Astrid served as Deputy Director-General at the Department of Trade, Industry and Competition; Deputy Commissioner at the Competition Commission, and Commissioner of the Companies and Intellectual Property Commission (CIPC).
In various consulting capacities, Astrid has provided research and policy advice to the Department of Trade, Industry and Competition, the National Treasury, the Prudential Authority, Strate, a range of South African financial services firms, and African financial sector regulators.
She has an MA in International Affairs from Columbia University, USA and a BA Hons in Politics, Philosophy and Economics from York University, UK.
Fiona Stewart, Global Lead for Aging and Pensions, is part of the World Bank’s Social Protection team, providing policy advice to governments around the world. Fiona has been with the Bank since 2012, previously with the Finance and Markets teams as the Global Lead for Insurance & Pensions. She also helped to coordinate the Bank’s work on sustainable finance, including representing the institution at the G20 Sustainable Finance Working Group, Co-Chairing the Finance Taskforce under the UN Decade on Restoration and acting as Secretary to the Coalition of Finance Ministers for Climate Change. From 2004, Fiona worked for the OECD’s Financial Affairs Division and led the Secretariat of the International Organisation of Pension Supervisors (IOPS). Prior to the OECD, Fiona worked in the pension fund industry, including as Head of American Express Asset Management in Japan. She served on the advisory board of one the OECD’s pension funds and represents the World Bank staff on the organization’s Pension Fund Committee. She holds degrees from Oxford and Johns Hopkins Universities and a Chartered Financial Analyst qualification.
Tom is an accomplished Financial Services Professional with a rich experience and diverse background. He is the Group MD & CEO of British American Holdings PLC (Britam) and sits on several boards including CIB Bank and Housing Finance.
Insurance Leadership in Kenya
Before rejoining Britam, Tom was the Group CEO of listed CIC Insurance Group where he was in charge of the group’s businesses in Kenya, Uganda, South Sudan and Malawi.
Before CIC, Tom was the CEO of Pan Africa Life (now Sanlam Insurance) – which like CIC is also listed on the Nairobi Securities Exchange. Tom had joined Sanlam from British American Insurance where he was the Finance and Strategy Director.
He is the current Chairman of the Association of Kenya Insurers (AKI) www.akinsure.or.ke, the industry body that is charged with promoting the industry growth (raising awareness, lobbying and collaborating with regulators and other stakeholders).
Other leadership Roles
Tom is a member of the Steering Committee of the Insurance Development Forum (IDF) www.insdevforum.org, a global public-private partnership led by the international insurance industry and supported by multinational organisations. Basically IDF aims to optimize and extend the use of insurance to build resilience and protection for people, communities and businesses that are vulnerable to disasters and their associated economic shocks.
Tom also sits on the Board of UN Global Compact, the world’s largest corporate sustainability initiative, promoting responsible business practices.
He is also the chairman of Endeavor Kenya http://kenya.endeavor.org, the Kenyan chapter of a leading Global Community that creates a multiplier effect by inspiring high-growth entrepreneurs to dream bigger – supporting and investing in them to scale faster.
As a young man in the early 90s, Tom trained as a Chartered Accountant with PricewaterhouseCoopers (PwC) in London where he worked for several years before rejoining PwC in Kenya.
Professional Qualifications
Tom trained as a Civil Engineer at the University of Nairobi before joining PwC as a Graduate Trainee. He has an MBA in Strategic Management and has the following distinguished qualifications:
Zelina Francis is a digital transformation and technology governance authority with over 25 years’ experience advising boards and C-suite leaders across Zimbabwe, Sub-Saharan Africa, and the United Kingdom. As Practice Director of Inflection Point, she specialises in elevating the awareness, competence, and confidence of financial services boards to govern digital risk, cybersecurity, and AI with strategic clarity. Her career spans senior leadership and advisory roles with Deloitte, Vodafone UK, RSA Insurance Group, De La Rue International, Old Mutual Zimbabwe, and BancABC, where she has supported executive teams in aligning technology investment with enterprise value, regulatory accountability, and long-term resilience.
A recognised voice on board-level cyber leadership in regulated industries, Zelina operates at the intersection of digital innovation and systemic trust. She equips insurance and pension executives to move beyond reactive compliance toward confident, forward-looking governance. By translating complex digital threats into clear executive oversight frameworks, she strengthens board accountability, operational resilience, and institutional credibility – positioning cybersecurity as a cornerstone of restored confidence in the financial services sector.
Dr Muradzikwa is a distinguished and decorated insurance executive with over 40 years of practical experience in the insurance and pensions industry. She was a member of the co-founding team that established the Zimbabwe Reinsurance Corporation in 1984. Dr Muradzikwa was at the helm of Diamond Insurance Company before its merger with the National Insurance Company of Zimbabwe in 2002. Dr Muradzikwa is an Executive Committee Member of the International Association of Insurance Supervisors (IAIS), representing Sub-Saharan Africa. She is also the Vice Chairperson of the SADC Committee of Insurance, Securities, and Non-Banking Financial Authorities. She also sits on other boards, which include the Zimbabwe Revenue Authority (ZIMRA), Financial Intelligence Unit (FIU), Southern Africa Methodist University Consultus Publishing Services, and Monte Cassino Girls High School. She has also served on the boards of the Federation for Afro Asian Insurers and Reinsurers and the Association for Insurers and Reinsurers in Developing Countries. Dr Muradzikwa holds a Master’s Degree in Business Administration and a Bachelor’s Degree in Administration, both from the University of Zimbabwe. She also holds an Honorary PhD in Leadership from Women’s University in Africa.
Emmanuel NZANANA is the Chief Operations Officer at RADIANT YACU Ltd, where he leads strategic and operational initiatives to drive growth and efficiency. He previously served as Operations Manager from December 2020, building on extensive experience across the insurance sector.
Before joining RADIANT YACU Ltd, Emmanuel held several roles at SANLAM Vie Plc starting in 2012, including Sales Manager, Corporate Underwriter, and Claims Analyst, gaining deep expertise across the insurance value chain.
He holds a master’s in business administration (Accounting and Finance) from the University of Kigali and a bachelor’s in applied Statistics from the University of Rwanda. Emmanuel has also completed international programs in microinsurance leadership (Philippines), inclusive insurance (UAE), and insurance and reinsurance for young professionals (Africa Re in partnership with the London School of Insurance).
Emmanuel is passionate about leveraging innovative insurance solutions to expand financial protection and promote inclusive growth in underserved communities.