Ms Karen Tan is the Chief Risk Officer Life & Health Re, responsible for the end-to-end risk management, valuation and reserving of the L&H business. This includes the risk management and appointed actuarial responsibilities of defined legal entities in the Group.

Prior to the appointment, Ms Tan took on the role of Head Life & Health Products Asia in April 2022, with APAC regional responsibility for the conduct of Swiss Re's L&H reinsurance business, including costing and underwriting new business.

Ms Tan joined Swiss Re as Chief Risk Officer for Asia Pacific in May 2014, based in Singapore. In July 2018, her portfolio expanded to also include the risk-managing of Swiss Re's Life and Health Reinsurance business globally. Together with her teams, she ​helps ensure that the business has the necessary culture, expertise and framework to support good risk-taking.

Prior to her current role, Ms Tan was Chief Actuary of Zurich Life Insurance Company in Switzerland, overseeing operations in the Swiss domestic market, International Group business, as well as branches in Asia and the Middle East. Before that, she headed up Zurich Insurance Group's Global Life Risk Analysis department and was responsible for Zurich's risk and capital management models and approach for its Life businesses globally.

Prior to joining Zurich Insurance Group, Ms Tan was already a member of Swiss Re from 1998 to 2008, holding multiple positions in Group Capital Management, Finance, and Life & Health.

​Ms Tan is a Fellow of the UK Institute and Faculty of Actuaries, and holds a MBA degree from Nanyang Business School, Nanyang Technological University, Singapore, where she received the Lee Kwan Yew Gold Medal award. She completed the Advanced Management Programme at Harvard Business School in 2018.​