Richard Magrann-Wells is the Chief Regulatory & Compliance Officer. Prior to joining Certificial, Richard was an Executive Vice President at Willis Towers Watson and led the broker’s U.S. Financial Institutions Practice. He has written and spoken extensively on fintech and insurtech topics. Richard is a lawyer with an LLM in Financial Regulation and an MBA in Finance. An accomplished banker before turning to insurance, he managed foreign exchange and emerging markets teams for Citi, Wells Fargo and Merrill Lynch.