Intact Executive and Leadership Team

Etienne Berlinguet, the Chief Financial Officer, Gsl, manages the financial strategy and operations for Intact's Global Specialty Lines (GSL) division. Berlinguet's purview includes financial planning, budgeting, forecasting, and reporting, ensuring fiscal discipline and driving profitable growth within the specialty insurance segment across North America. This executive plays a critical role in capital management, investment strategy, and risk assessment, safeguarding the financial health of the GSL operations. Etienne Berlinguet's expertise is essential for navigating complex financial markets and regulatory landscapes, supporting Intact's expansion and diversification efforts. The CFO's leadership ensures robust financial controls and transparent reporting, fostering investor confidence and aligning financial objectives with the company's overarching business goals. Berlinguet's strategic financial guidance is fundamental to Intact's sustained success in the competitive insurance industry.

Natalie Higgins, the Chief Operating Officer & Senior VP, directs the day-to-day operations of Intact Financial Corporation, ensuring seamless execution of its property and casualty insurance services across Canada and specialty insurance offerings in North America. Higgins' responsibilities encompass optimizing business processes, enhancing operational efficiency, and driving service excellence for policyholders. This executive oversees critical functions that support Intact's market leadership, including claims processing, underwriting support, and customer service delivery. The role requires strategic oversight of resource allocation and operational infrastructure to meet evolving market demands and regulatory requirements. Natalie Higgins' leadership ensures that Intact's operational framework remains agile and responsive, directly contributing to the company's financial performance and sustained growth. By focusing on operational excellence, Higgins reinforces Intact's commitment to providing reliable and accessible insurance solutions to its diverse customer base.

Dave Fratarcangeli, the President, Surety (Canada), leads Intact's surety operations within the Canadian market, overseeing the strategic direction and performance of this specialized insurance segment. Fratarcangeli is responsible for driving growth, managing risk, and ensuring the profitability of Intact's surety products. This executive directs underwriting, claims, and business development efforts specifically tailored to the surety sector, serving contractors and businesses across Canada. Dave Fratarcangeli's leadership focuses on strengthening Intact's position as a leading provider of surety bonds, offering reliable financial guarantees and risk management solutions. The President's role involves fostering strong relationships with brokers, agents, and clients, ensuring exceptional service delivery. Fratarcangeli's strategic insights are crucial for adapting to market dynamics and expanding Intact's surety offerings.

Anthony Falcone, the President Inland Marine, directs Intact's inland marine insurance business, overseeing its strategic development and operational execution. Falcone is responsible for expanding market share and enhancing profitability within this specialized P&C insurance segment across North America. This executive leads underwriting, product development, and distribution strategies tailored to the unique risks associated with inland marine exposures. Anthony Falcone's focus is on delivering innovative insurance solutions and superior service to clients engaged in transportation, construction, and other industries reliant on movable property. By driving operational excellence and fostering strong broker relationships, Falcone strengthens Intact's leadership position in the inland marine market. Falcone's strategic vision ensures the sustained growth and competitive advantage of Intact's inland marine offerings.

Michael Choi, the Director At Intact, Chief Technology Officer of Jiffy, architects the technological vision for Jiffy, Intact's digital insurance platform. This leadership involves driving innovation in InsurTech, ensuring scalable technology solutions that enhance customer experience and operational efficiency. Choi's focus centers on leveraging cutting-edge technology to streamline insurance processes, from underwriting to claims management, aligning with Intact's broader strategy of digital transformation. The role demands a deep understanding of software development, cloud infrastructure, and data analytics to maintain a competitive edge in the North American specialty insurance market. Michael Choi's oversight extends to the development and implementation of robust IT systems that support Intact's core P&C insurance offerings in Canada, ensuring seamless integration and high performance across all digital touchpoints. This executive's contributions are vital for maintaining Intact's position as a leader in digital insurance solutions.

Joan Franco, the Executive Assistant To Senior Vice President and Chief Human Resources Officer and Vice President Talent Acquisition, provides comprehensive administrative support to key leaders within Intact's human resources and talent acquisition functions. Franco manages complex scheduling, coordinates meetings, prepares essential documentation, and facilitates communication between executives and internal teams. This role is critical for ensuring the smooth operation of the HR department, supporting initiatives related to employee engagement, recruitment, and retention across Intact's Canadian and North American operations. Joan Franco's organizational skills and proactive approach are vital for maintaining efficiency and supporting the strategic objectives of the HR leadership. By managing administrative workflows, Franco enables the Senior Vice President and Vice President to focus on strategic human capital management, talent development, and fostering a positive organizational culture at Intact.

Ranji Narine, the Chief Information Officer (Canada), directs Intact's information technology strategy and operations within the Canadian market. Narine oversees the development and implementation of robust IT infrastructure, systems, and digital solutions that support Intact's property and casualty insurance business. This leadership role is crucial for ensuring technological innovation, data security, and operational efficiency across all Canadian divisions. Ranji Narine's responsibilities include managing IT budgets, leading technology teams, and aligning IT initiatives with Intact's strategic business objectives for the Canadian region. The CIO's focus is on leveraging technology to enhance customer experience, streamline claims processing, and support underwriting accuracy. Narine's expertise is pivotal in maintaining Intact's competitive advantage through advanced technological capabilities and secure, reliable IT systems across Canada.

Imen Zitouni, the Chief Marketing Officer & Senior VP, leads Intact's marketing and brand strategy across its Canadian and North American specialty insurance markets. Zitouni is responsible for developing and executing comprehensive marketing campaigns that enhance brand visibility, drive customer acquisition, and foster customer loyalty. This executive oversees market research, product positioning, digital marketing, and communications to ensure Intact's value proposition resonates with target audiences. Imen Zitouni's strategic direction guides the company's efforts to connect with consumers and businesses, reinforcing Intact's reputation as a trusted insurance provider. The CMO's leadership ensures that marketing initiatives align with sales objectives and contribute directly to revenue growth and market share expansion. Zitouni's focus on data-driven marketing strategies optimizes campaign performance and strengthens Intact's market presence.

Carinne Hebert-Sabourin, the Chief Legal Officer, provides strategic legal counsel and oversees all legal affairs for Intact Financial Corporation. Hebert-Sabourin's responsibilities encompass corporate governance, regulatory compliance, litigation management, and contract negotiation across Intact's Canadian and North American operations. This executive ensures that all business activities adhere to legal standards and ethical practices, mitigating risk and protecting the company's interests. Carinne Hebert-Sabourin plays a vital role in advising the board of directors and senior management on legal matters, supporting strategic decision-making and corporate development initiatives. The CLO's leadership ensures robust legal frameworks are in place to support Intact's growth and operational integrity. Hebert-Sabourin's expertise is critical for navigating the complex legal landscape of the insurance industry and maintaining Intact's commitment to compliance and corporate responsibility.

Frederic Cotnoir, the Executive Vice President & Chief Legal Officer, provides senior-level legal oversight and strategic guidance for Intact Financial Corporation. Cotnoir's extensive experience supports the company's legal framework, ensuring compliance with all relevant regulations across Canada and North America. This executive manages complex legal challenges, advises on corporate governance, and oversees litigation strategy, safeguarding Intact's interests. Frederic Cotnoir plays a pivotal role in shaping legal policies and ensuring ethical business conduct throughout the organization. The EVP & CLO's leadership contributes to maintaining Intact's strong reputation and mitigating legal risks associated with its property and casualty and specialty insurance operations. Cotnoir's strategic legal acumen is essential for supporting Intact's continued growth and operational integrity in the financial services sector.