Charles Brindamour is Chief Executive Officer of Intact Financial Corporation. IFC is the largest provider of property and casualty insurance in Canada, a leading provider of global specialty insurance, and, with RSA, a leader in the UK and Ireland. He began his career with Intact in 1992 and has held progressively senior roles, in Canada and abroad, within Intact and its former affiliates, including Senior Vice President of Personal Lines and Executive Vice President and Chief Operating Officer. Mr. Brindamour was appointed President and CEO in January 2008.

Under Mr. Brindamour’s leadership, the company became an independent and widely-held Canadian company in 2009 and two years later, acquired AXA Canada; at the time, the largest acquisition in the history of Canada’s property and casualty insurance (P&C) industry. In 2017, Mr. Brindamour grew the company’s presence further into the United States with the acquisition of OneBeacon Insurance Group, Ltd. In 2021, Mr. Brindamour successfully completed the acquisition of RSA Insurance plc, Intact’s largest acquisition to date, growing premiums from $12 to $20 billion.

Mr. Brindamour is a graduate of Université Laval in Actuarial Science and an Associate of the Casualty Actuarial Society. In May 2019, Mr. Brindamour received an honorary PhD from HEC Montréal. He is a board member of Intact Financial Corporation, the Geneva Association, the Canadian Imperial Bank of Commerce, and the Business Council of Canada.

Charles Brindamour , , , Chief Executive Officer, Intact Financial Corporation

In November 2021, Ken Anderson was appointed Executive Vice President & Chief Financial Officer of RSA UK & International. In this role he oversees the financial affairs of the UK & International business. Previously, Mr. Anderson was Senior Vice President, Investor Relations & Corporate Development where he was responsible for all aspects of shareholder engagement as well as guiding mergers and acquisitions activities in support of the company’s strategies and financial objectives. Prior to that role, Mr. Anderson was Deputy SVP Investor Relations & Group Treasurer with responsibility for the company’s capital management, treasury, tax and financial planning activities. Mr. Anderson began his career at Intact in 2007 and has also held the position of VP Finance & Controller.

Mr. Anderson has worked in the reinsurance industry in Bermuda and has more than 20 years of progressive finance experience within the insurance sector.

Mr. Anderson is a fellow of the Institute of Chartered Accountants in Ireland and holds an Executive MBA from the Vlerick School of Business and the University of Saint Gallen. He is also a Trustee of the Canadian Irish Studies Foundation.

Ken Anderson , , , Executive Vice President & Chief Financial Officer, UK & International

Patrick Barbeau was appointed Executive Vice President and Chief Operating Officer in June 2021. In this role, Mr. Barbeau has global accountability for Claims, Technology and our two labs, the Intact Lab and the Data Lab.

From 2016 until his recent appointment, he held the role of Senior Vice President, Claims at Intact Insurance. In this role, Mr. Barbeau was responsible for all claims operations across Canada.

From December 2013 to April 2016, he was Senior Vice President of Personal Lines. Prior to that, Mr. Barbeau was Vice President of Personal Lines from 2011 to 2013. In that position, he was responsible for Personal Lines rating and underwriting for the Quebec region. As part of his duties, he was involved in the AXA Canada and Jevco integration activities.

Mr. Barbeau joined ING Canada in 2000 in the Actuarial department. He was appointed Manager of the Actuarial Department at belairdirect in 2003. In 2004, he became Vice President, Underwriting at belairdirect and later Vice President, Quebec Region, at belairdirect.

In 2008, Mr. Barbeau became Vice President of Marketing and Communications at belairdirect, and was promoted to Deputy, Senior Vice President of Marketing and Operations in Direct to Consumer Distribution for Intact in 2010.

Mr. Barbeau is a graduate of the Université de Laval à Québec holding an actuarial degree. He is also a Fellow of the Casualty Actuarial Society.

Patrick Barbeau , , , Executive Vice President & Chief Operating Officer

Sonya Côté was appointed Senior Vice President,Corporate Audit Services in November 2015. In this role, Ms Côté leads the development and the delivery of internal audit activity and also ensures that Intact is in accordance with the expected standards of corporate governance, compliance and ethics. Prior to her current appointment, Ms Côté was Vice-President Finance and Controller at Intact where she was responsible for the reporting and accounting operations of IFC and its P&C subsidiaries.

Prior to joining the company in 2011 as part of the AXA Canada acquisition, Ms Côté held various positions in finance at both AXA Canada and at a large Canadian bank. She started her career in a large audit firm, working closely with financial institutions.

Ms Côté brings over 20 years of expertise in reporting, financial planning, systems implementation, internal controls and operations.

Ms Côté holds a Bachelor of Commerce and a Diploma in Public Accountancy from McGill University. She is a member of the Quebec Order of Chartered Professional Accountants (CPA).

Sonya Côté , , , Senior Vice President & Chief Internal Auditor

In June 2021, Frédéric Cotnoir was appointed Executive Vice President and Chief Legal Officer. In this role, Mr. Cotnoir is responsible for Intact’s legal, compliance, internal audit and corporate secretarial functions for the entire organization. Mr. Cotnoir join the Intact organisation in 2016 as Senior Vice-President, Corporate and Legal Services and Secretary.

Prior to joining Intact, Mr. Cotnoir was a partner at McCarthy Tétrault, where he practised law in the areas of mergers and acquisitions, corporate finance and securities laws, corporate governance and the regulation of financial institutions.

Frédéric has a law degree from Sherbrooke University and Queen’s University and a Masters in Law and Accounting from the London School of Economics.

Frédéric Cotnoir , , , Executive Vice President & Chief Legal Officer

Debbie Coull-Cicchini was appointed Executive Vice President of Intact Insurance in January 2018. In this role, Ms. Coull-Cicchini oversees the operations of Intact Insurance in the Atlantic, Ontario and Western Canada. Prior to this role, Ms. Coull-Cicchini was COO and Senior Vice President for the Ontario Division. During this time Ms. Coull-Cicchini played an integral part in the integration of three successful acquisitions and led the implementation of numerous key strategic priorities.

Prior to joining IFC in 2005, Ms. Coull-Cicchini worked for a U.S. Bank as EVP Wealth Management, Retail Banking & Marketing, while residing in the U.S. Previous to this role, she was instrumental in launching two On-Line Banking start-ups which included President's Choice Financial in Canada and Amicus Bank in the U.S. She has held other various Retail Banking executive roles in Personal & Commercial Banking within CIBC.

Ms. Coull-Cicchini holds a BA in Economics from McMaster University in Hamilton and an MBA from Rotman School of Management at the University of Toronto.

Debbie Coull-Cicchini , , , Executive Vice President, Intact Insurance

Anne Fortin joined Intact in 2011 as Deputy Senior Vice President of Marketing, Direct Distribution, bringing to the company an extensive background in marketing, brand development, and digital experiences.

She subsequently became Senior Vice President of Marketing and Strategic Relationships (2013) and Senior Vice President, Sales & Marketing (2016). In these roles, she was responsible for fostering the growth of belairdirect across the country, and also for Anthony Insurance in Newfoundland and Labrador.

In January 2018, Ms. Fortin was appointed Senior Vice President, Direct Distribution, Intact Financial Corporation. In this position, she oversees all direct-to-consumer operations of Intact Financial Corporation in Canada, including those of belairdirect, Anthony Insurance and National Bank Insurance Auto │Home. In recognition of her success, Ms. Fortin’s profile has expanded in January 2019 as she adopted the responsibility of the national marketing operations under the title of Senior Vice President, Direct Distribution and Chief Marketing Officer.

In June 2021, Ms. Fortin was appointed to Executive Vice President, Direct Distribution and Chief Marketing and Communications Officer. She continues to oversee all direct-to-consumer operations in Canada while expanding her scope, overseeing global marketing and communications across the organization.

With a passion for social responsibility, in 2020 Ms. Fortin joined Breakfast Club of Canada’s Board of Directors to assist in their fight against food insecurity and spur positive, lasting change for children.

Prior to joining Intact, Ms. Fortin was Vice President and Managing Director of FCB, one of the world's largest networks of advertising and marketing communications agencies, heading their Montreal office. During her 18 years with the agency, she led marketing programs for clients in a wide range of fields including telecommunications, financial services and air transport.

Ms. Fortin holds an MBA from Concordia University and a Bachelor's degree in Occupational Therapy from the Université de Montréal.

Anne Fortin , , , Executive Vice President, Direct Distribution and Chief Marketing and Communications Officer

In June 2021, Mr. Gagnon was appointed Chief Executive Officer of Intact Financial Corporation’s Canadian operations. In this role, Mr. Gagnon is responsible for all Canadian-based business entities (Intact Insurance, belairdirect, Anthony Insurance, BrokerLink, Johnson Insurance), in addition to overseeing Personal Lines, Commercial Lines, Marketing and Communication functions. Mr. Gagnon was President of Intact's Canadian operations from January 2018 until his CEO appointment.

From 2013 to 2017, Mr. Gagnon was President, Service & Distribution, where he oversaw the development and expansion of belairdirect, BrokerLink, international initiatives and ventures as well as Intact’s Claims operations. Prior to that, Mr. Gagnon served as President and Chief Operating Officer from 2011 to 2013 and President of Intact Insurance from 2008 to 2011. He joined Intact Insurance as Senior Vice-President Quebec division in January 2007. Mr. Gagnon started his career in the banking industry before becoming an insurance broker in 1992. Prior to joining Intact (ING), he headed a successful brokerage with offices in Quebec and Ontario and was active within the provincial and national brokers associations. Mr. Gagnon is past President of the Regroupement des Cabinets de Courtage du Quebec (RCCAQ) and Director of the Insurance Brokers Association of Canada (IBAC).

Mr. Gagnon earned a BA in Economic Science from the Université de Montréal and an MBA from the University of Ottawa.

Louis Gagnon , , , Chief Executive Officer, Canada

In June 2021, Mr. Godfrey was appointed Executive Vice President, Global Specialty Lines. He oversees all operations in North America through Intact Specialty Solutions and in the United Kingdom and Europe through RSA Insurance. Prior to his current appointment, Mr. Godfrey held the role of Senior Vice President, Commercial Lines of Intact Insurance beginning in January 2020. He was responsible for our commercial lines’ product, pricing and underwriting strategies; increasing our competitiveness by bringing leading solutions to customers and brokers.

In May 2016, Mr. Godfrey was appointed Senior Vice President, Personal Lines. In this role, he was responsible for the evolution of Intact Insurance’s personal lines strategies and for increasing its competitive advantages in underwriting, pricing and product development. He played a critical role in improving the performance of our personal auto portfolio over this period.

He has held many roles within the company prior to his appointment in Personal Lines. He was Regional Vice President in Calgary where he was responsible for growing Intact Insurance’s business in Alberta. Mr. Godfrey was also the Deputy Senior Vice President of Claims for the West Division in Alberta, British Columbia and Manitoba. His other roles included Vice President responsibilities in claims, personal lines underwriting and actuarial services since joining the organization in 2001.

Mr. Godfrey obtained a Bachelor of Science degree from the University of Melbourne (Australia) in 1989 and a Graduate Diploma in Actuarial Studies from Macquarie University (Australia) in 1991. Since 1999, Mr. Godfrey is also a Fellow of the Institute of Actuaries of Australia.

Darren Godfrey , , , Executive Vice President, Global Specialty Lines

In December 2013, Louis Marcotte was appointed Chief Financial Officer for Intact Financial Corporation, where he oversees the financial affairs of the organization and investor relations. Before his appointment, Mr. Marcotte held the role of Senior Vice President of Strategic Distribution, overseeing Intact’s investments in the broker network and the development of financial solutions for the company’s brokers and partners. Prior to that, Mr. Marcotte was Treasurer of Intact Financial Corporation responsible for Investor Relations, Financial Planning and Treasury.

Mr. Marcotte has more than 30 years of progressive international experience in financial management with expertise in mergers and acquisitions, financing, system implementation, public reporting, tax, and corporate governance.

He is a graduate of McGill University, holds an executive MBA from the Vlerick School of Business, and is a Fellow of the Quebec Order of CPAs. Mr. Marcotte also serves on the Board of Governors of Finance Montreal and is a member of the Board of Directors of the Quebec Chapter of Financial Executive International Canada. In May 2021, Mr. Marcotte joined the federal government’s Sustainable Finance Action Council to provide input on the foundational market infrastructure needed for a stable and reliable sustainable finance market in Canada. On the Council, he is leading one of three expert subgroups tasked with bridging data gaps.

Louis Marcotte , , , Executive Vice President & Chief Financial Officer

In June 2021, Mr. Miller was appointed Chief Executive Officer of Intact’s Global Specialty Lines including operations in North America, through Intact Specialty Solutions, and in the United Kingdom, through RSA Insurance.

Mr. Miller joined Intact Financial Corporation in September 2017 as President of Intact’s North American specialty insurance business through the acquisition of OneBeacon Insurance Group, Ltd. Prior to the acquisition, he served as OneBeacon’s President and CEO since 2005.

Mr. Miller has over 40 years of experience in the property-casualty industry. He began his career in underwriting at Chubb in 1981, where he held roles of increasing responsibility. After 14 years, he joined the St. Paul Travelers, where he ultimately served as co-chief operating officer overseeing the company’s specialty business and field operations. Over his 10 years with the company, he held senior leadership positions in various specialty businesses and managed operations in the U.S., Canada and Europe. He joined OneBeacon in April 2005 as its Chief Operating Officer, and was appointed President and CEO in July 2005.

Mr. Miller earned a bachelor’s degree in political science from Allegheny College. He is a past Chairman and current member of both the American Insurance Association Board of Directors and the Insurance Information Institute Board of Directors, and a member of the P&C CEO Roundtable. Mr. Miller is also a past director of the Insurance Federation of Minnesota and the Science Museum of Minnesota, as well as the United Way of Massachusetts.

T. Michael Miller , , , Chief Executive Officer, Global Specialty Lines

Benoit Morissette was appointed Executive Vice President, Chief Risk and Actuarial Officer in June 2021. In this key role, Mr. Morissette provides risk management leadership for the organization at the strategic and business management levels and manages the insurance risk of the group by overseeing its corporate actuarial and reinsurance operations. This is an expansion of his scope appointed in July 2020 as Senior Vice President, Chief Risk and Actuarial Officer.

Mr. Morissette joined Intact in 2001 as Vice President Actuarial. After a number of progressive assignments, in 2010 he took the role of Deputy Senior Vice President responsible for pricing and underwriting for the Direct to Consumer Distribution channel. In February 2013, Mr. Morissette was appointed Senior Vice President and Chief Internal Auditor, where he led the development and implementation of Intact’s internal audit activities and ensured that Intact is in accordance with the expected standards of corporate governance, compliance and ethics. In January 2016, he was appointed Senior Vice President and Chief Risk Officer where he was responsible for providing risk management leadership. In January 2018, he was appointed Senior Vice President and Group Chief Actuary, where he played a key role in managing the insurance risk of the group by overseeing its corporate actuarial and reinsurance operations.

Throughout his career, Mr. Morissette has served on various committees of the Insurance Bureau of Canada, the Financial Services Commission of Ontario and the Canadian Association of Direct Relationship Insurers.

Mr. Morissette holds a Bachelor of Actuarial Sciences from Laval University and he is a fellow of the Casualty Actuarial Society and the Canadian Institute of Actuaries, as well as a member of the American Academy of Actuaries.

Benoit Morissette , , , Executive Vice President, Chief Risk & Actuarial Officer

Werner Muehlemann was appointed to his current position of Executive Vice President and Managing Director of Intact Investment Management in June 2021. He oversees Intact Financial Corporation invested assets and capital position as well as corporate development. In his role, he is responsible for $40 billion of assets for Intact Investment Management, where he develops investment strategies and supervises the investment operations. In his role he also is responsible for guiding mergers and acquisitions opportunities in support of the company’s strategies and financial objectives. Mr. Muehlemann joined the Company in 1999 and has supervised the equity portfolio management team for nearly ten years. Over the years he has managed several equity mandates and implemented value added investment strategies. Mr. Muehlemann earned his Master in Finance from the University of Sherbrooke and is a Chartered Financial Analyst.

Werner Muehlemann , , , Executive Vice President & Managing Director, Intact Investment Management Inc.

Ken Norgrove was appointed Chief Executive Officer of RSA, UK & International in January 2022. He was the CEO of RSA Scandinavia—the RSA Insurance Group’s most profitable subsidiary—from 2019 until the acquisition of RSA by IFC in June 2021. Under Mr. Norgrove’s leadership, the subsidiary delivered its best financial results in a decade, building a stable platform for sustained profitability. Prior to leading RSA Scandinavia, Mr. Norgrove was the CEO of RSA Ireland, where he also led the very successful turnaround of that business from 2014 to 2019.

Mr. Norgrove’s history with RSA dates back to 1986, including a four-year term in the UK where he set up the very successful Global Renewable Energy Business, achieving a multimillion-pound turnover within three years, and securing a leading position globally for insuring renewable energy assets. During this time, he also spearheaded a new Global Business Model—one of the most successful and profitable start-up ventures for RSA at the time, and which maintains substantial market share today. He also spent one year as a VP at Travelers Insurance and three years as CEO, Zurich General Insurance (Ireland) between 2010 and 2014 before rejoining RSA.

Mr. Norgrove is a Chartered Insurance Director, a Chartered Insurer and fellow of the Chartered Insurance Institute UK (CII). He has held many legal entity directorships (in the UK, Denmark, Ireland and Luxembourg) as well as held the position of President of Insurance Ireland and the Insurance Institute of Ireland.

Ken Norgrove , , , Chief Executive Officer, RSA, UK & International

Carla Smith was appointed Executive Vice President in June 2021 to shape and drive Intact’s global strategies in three key areas. As the global CHRO, she advances Intact’s objective to be a best employer whose talents are future ready. As the Chief Strategy Officer, she develops and sustains Intact’s corporate strategy equipping the senior team to navigate important strategic decisions and trade-offs.

As the Head of Climate, she ensures that climate change is prioritized as a lens through which Intact manages its business, and that Intact capitalizes on opportunities to help customers and society adapt. Her career with Intact has spanned more than 20 years. She has held senior leadership positions throughout the organization including Intact Insurance, Claims, belairdirect, and Specialty Solutions. She also successfully guided the organization through several acquisitions and integrations during her time leading Corporate Development.  She is a Chartered Insurance Professional and holds a Global Professional Master of Laws from the University of Toronto, a Master of Business Administration from Queen’s University, and a Bachelor of Business Administration (Finance) from Simon Fraser University.

Carla Smith , , , Executive Vice President & Chief People, Strategy and Climate Officer