Dr Dawkins Brown

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Introducing AEGIS™: A Five-Pillar AI Governance Framework for Caribbean Institutions

May 23, 2026by Dr Dawkins Brown

THE ARGUMENT IN ONE PARAGRAPH Artificial intelligence does not extend the risk surface of an institution — it inverts the assumptions on which the institution’s governance was built. The Landmark Edition of Caribbean Boardroom Perspectives set out The Governance Inversion Thesis, arguing that AI requires governance itself to be re-architected, not merely extended. This...

Actuarial Advisory Insurance Insurance claim Regulatory Affairs Regulatory Compliance Reinsurance Advisory Risk Assurance & Advisory Risk Management Risk Management & Resilience risk management in Caribbean restructuring

The Caribbean Solvency Convergence: How Regional Capital Regimes Are Quietly Aligning

May 22, 2026by Dr Dawkins Brown

How regional capital regimes are quietly aligning, what cross-border insurers should be doing now to anticipate the convergence — and why the carriers that wait for the policy announcement will be the ones playing catch-up There is no Caribbean equivalent of Solvency II. There may never be one. But the regional capital regimes that...

Actuarial Advisory Boardroom Perspectives Boardroom Strategy Insurance Insurance claim Risk & Compliance Risk & Compliance (GRC)Risk & Compliance)Risk & Resilience Risk Advisory Risk Advisory firm in Jamaica Risk Advisory firm in the caribbean

The Caribbean Board Risk Dashboard: What Directors Should See Every Quarter — and Why Most Do Not

May 22, 2026by Dr Dawkins Brown

What Directors Should See Every Quarter — and Why Most Do Not. A practical dashboard architecture for Caribbean carriers covering capital, underwriting, market, operational, and emerging risk Most Caribbean board risk committees receive a quarterly risk paper. Few receive a quarterly risk dashboard. The distinction matters more than the terminology suggests. A risk paper...

Actuarial Advisory Enterprise Risk Enterprise Risk Management Enterprise Risk Management (ERM)Enterprise Strategy Insurance Insurance claim ORSA

ORSA in the Caribbean: From Regulatory Filing to Genuine Risk Management Discipline

May 22, 2026by Dr Dawkins Brown

Most regional ORSAs are written for the supervisor. The next generation will be written for the board. The difference is starting to matter — to regulators, to rating agencies, and to the carriers themselves The Own Risk and Solvency Assessment (ORSA) is the most consequential governance document a regulated insurer produces. Done well, it tells...

Digital Transformation digital transformation & virtual solutions Digital-First CFO Services Digitalization Disaster Recovery Performance and Insight

The Firm That Cannot See Itself: Why Caribbean SMBs Need Management Information, Not Just Accounts

May 22, 2026by Dr Dawkins Brown

This is the opening article of Pillar 3 of the Caribbean Digital Foundations Series. Pillar 2 — now complete — was the pillar of defence: the operational disciplines required to protect what the firm has built. Pillar 3 is the pillar of visibility: the operational disciplines required to know what the firm is actually doing....

Actuarial Advisory Actuarial Services Caribbean Business Advisory Caribbean Regulatory Affairs Compliance & Regulation Compliance & Regulatory Advisory Financial Services / Regulated Industries Financial Strategy IFRS & Financial Reporting IFRS 17 Insurance Insurance claim

Financial Reinsurance for Caribbean Carriers: A Practical Guide to Surplus Relief and Capital Optimisation

May 21, 2026by Dr Dawkins Brown

A practical guide to surplus relief and capital optimisation — the structures, the IFRS 17 treatment, the risk transfer test, and the regulator considerations regional boards should anticipate Financial reinsurance is one of the most powerful capital-management tools available to an insurer, and one of the least understood at Caribbean board level. Done well, it...

Actuarial Advisory Financial Reporting & CFO Insights Financial Resilience Financial Services Reinsurance Advisory Risk & Compliance)Risk & Resilience Risk Advisory

The Reinsurance Trap: Why Caribbean Cedants Pay Too Much and Capture Too Little

May 21, 2026by Dr Dawkins Brown

Three structural reasons most regional reinsurance programmes underperform — and the four-step economic review that typically recovers 10 to 20 percent of reinsurance spend within 18 months Reinsurance is the single largest expense line for most Caribbean life and health insurers after claims and operating costs. It is also the line where cedants have the...

Actuarial Advisory Business Performance & Analytics Caribbean advisory services Caribbean Business Insights Caribbean Regulatory Affairs Caribbean Risk Horizon Finance & CFO Advisory Regulatory & Compliance

Inside the Numbers: How CSM Run-off, Risk Adjustment, and Onerous-Contract Testing Are Quietly Reshaping Earnings

May 21, 2026by Dr Dawkins Brown

Three IFRS 17 mechanics that most Caribbean boards do not yet fully understand — and which determine reported profits more than any underwriting decision Three IFRS 17 mechanics — the Contractual Service Margin run-off pattern, the risk adjustment calibration, and the onerous contract test — together drive the majority of reported insurance earnings under...

Actuarial Advisory Actuarial Services Advisory Services Business Resilience Business Restructuring Business Strategy Business Strategy & Transformation Caribbean Business Advisory CFO Advisory & Finance IFRS & Financial Reporting IFRS 17 Reserving & Valuation Risk Advisory Services Risk Assurance & Advisory Risk Management risk management in Caribbean restructuring Tax Risk Management The Caribbean Resilience Playbook

IFRS 17, Three Years On: What Caribbean Insurers Got Right, What They Got Wrong, and What Comes Next

May 20, 2026by Dr Dawkins Brown

The technical transition is largely complete. The strategic transition is not. An honest assessment of where the region stands — and the five priorities for the next 24 months IFRS 17 became effective for accounting periods beginning 1 January 2023. For Caribbean insurers, that meant three years of implementation work, hundreds of millions in cumulative...

Actuarial Advisory Actuarial Services Risk Advisory firm in the caribbean Risk Advisory Services Risk Assurance & Advisory Risk Management

Predictive Underwriting in the Caribbean: Pharmacy Data, Mortality Models, and the Future of Life Pricing

May 20, 2026by Dr Dawkins Brown

What pharmacy claims, electronic health records, and behavioural data can tell underwriters that medical questionnaires never could — and why the Caribbean is closer to building these models than most boards realise Three years ago, the dominant question in U.S. life insurance underwriting was how to accelerate decisions without losing underwriting quality. The answer,...

Newer Posts

Older Posts

Introducing AEGIS™: A Five-Pillar AI Governance Framework for Caribbean Institutions

The Caribbean Board Risk Dashboard: What Directors Should See Every Quarter — and Why Most Do Not

ORSA in the Caribbean: From Regulatory Filing to Genuine Risk Management Discipline

The Firm That Cannot See Itself: Why Caribbean SMBs Need Management Information, Not Just Accounts

Financial Reinsurance for Caribbean Carriers: A Practical Guide to Surplus Relief and Capital Optimisation

The Reinsurance Trap: Why Caribbean Cedants Pay Too Much and Capture Too Little

Inside the Numbers: How CSM Run-off, Risk Adjustment, and Onerous-Contract Testing Are Quietly Reshaping Earnings

IFRS 17, Three Years On: What Caribbean Insurers Got Right, What They Got Wrong, and What Comes Next

June 24, 2026Will the Fund Last? Social Security Sustainability in the Caribbean

June 24, 2026Climate on the Balance Sheet: Quantifying What the Region Can No Longer Ignore

June 24, 2026Pricing the Storm: Parametric Cover for a Small-Island Economy

June 24, 2026The Liability on Your Balance Sheet You May Be Underestimating

June 24, 2026De-Risking the Pension Promise Before It De-Rails the Balance Sheet

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Where to find us?

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