As head of risk research, Alex uses his risk and finance expertise to turn cyber data into meaningful underwriting decisions. He prices policies in much the same way he backs underwriting decisions — with facts and data.
His expertise comes from working over a decade in finance. He started his career as an accountant at EY, where he provided assurance services. After that, he was head of risk and CFO of Sigma Investment House. Most recently, prior to At-Bay, Alex was head of the economic department at Ascola Economic Consulting, where he led risk-consulting services for banks and financial institutions.
And though he's risk-aware, he isn't risk-averse. From rock climbing and hiking to skiing and diving, he loves anything that involves nature and a bit of adrenaline. And as someone passionate about statistics, Alex is delighted to be the father of two identical twins, which statistically speaking is rare.
As a software engineer, Assaf channels extensive Python experience into delivering the most innovative and robust development infrastructures for At-Bay.
It's a job he was meant to do. His father is an insurance broker, after all, and since 2006, he's worked as a software developer with a dual focus on cyber and security, most recently as a senior member of the engineering team at Cisco. What's more, he's worked in the past with several members of the At-Bay team. He was a natural fit from day one.
Perhaps most important, he brings to the job an affinity for solving seemingly impossible problems. For Assaf—who says he does his best work between the hours of 3 and 5 a.m.—"nothing is impossible" is a mantra.
And it's a mantra that extends beyond the walls of the office. Whether he's playing sports or indulging his passion for music, Assaf believes the clearest path to personal growth is to push himself to do things he's never done before.
As cyber underwriting manager at At-Bay, Ben focuses on the development of the insurance product and the creation and deployment of underwriting processes. This includes work on everything from the rate plan, to policy forms and endorsements, to administration software, to underwriting strategies and guidelines.
Upon seeing his first standalone cyber insurance product, Ben was fascinated. He found that it was unique not only in how it combined both first- and third-party coverage, but also in how the rate plans were devised, given the lack of historical actuarial data. Insuring a constantly evolving risk was a challenge he was eager to take on.
Before At-Bay, Ben held various positions in cyber, management and professional liability at leading carriers like Travelers, RLI and Tokio Marine. He's also worked with both publicly traded and private companies in a variety of industries, including healthcare, technology, startup, venture capital and pharma/biotech.
Ben looks for the thrill of a challenge in his hobbies, too, whether he's snowboarding, investing in cryptocurrency or adventuring through South America and Southeast Asia. Online, you can find him tweeting obsessively about the University of Colorado Buffaloes football team.
As a software engineer, Doron focuses on At-Bay's software infrastructure as well as the Broker Platform and tools to ensure they function securely while providing brokers with a smooth experience for selling cyber insurance policies to their clients.
Doron lives to simplify complex problems. Take the Broker Platform, for example: To make it functional and easy to use, he simplified its architecture and code. To do this, he draws on his master's degree in electrical engineering and more than six years of experience as an all-round software engineer and web developer for Cisco and various startups.
But it's not all stern professionalism. He believes the At-Bay team is unmatched when it comes to humor. A good laugh, he says, helps build the team's trust and understanding, and ultimately makes solving complex problems that much more fun.
And just as the company emphasizes working hard and playing hard, Doron does too. At day's end, he looks forward to the basketball court and the piano — all in the name of keeping his body and fingers fit for the next hard day of coding.
Duncan brings At-Bay's insurance policies to market. He approaches every part of his job with optimism and levity, from the tactical work of convincing brokers about the value of At-Bay, to the strategic work of market research, customer segmentation, and executing strategic partnerships.
Before joining At-Bay Duncan worked at Gartner as a senior strategy analyst where he identified high-growth markets, incubated new products, and took those new products to market. His clients' greatest concerns? How to quantify and efficiently mitigate technology risk. After realizing that insurance companies are in the best position to solve that challenge and empower organizations to make innovative products and services, he decided to join the At-Bay team.
When he's not working with the At-Bay team, he's playing fullback for his rugby team. And if he needs something a bit more relaxing, Duncan likes to write and record music.
Etai is Founder and CTO of At-Bay, responsible for the technological vision and strategy of the company. As someone fond of solving big problems both complex and wide in scope, Etai enjoys the challenges of his position, whether he's collaborating with security and IT tech vendors to build new products or decompiling and analyzing mobile applications to better enable them to find vulnerabilities.
This passion for solving big tech problems emerged early on. At 16, he was not only attending high school but also earning his BSc in Mathematics from Bar-Ilan University and developing for a tech company. In the 12 years following, Etai learned to build cutting-edge, data-driven products working for a variety of companies as a developer, system architect, innovation team lead, project manager and more.
His experience has given him unique insight into building successful startups, starting with a strong team. For that, he believes that openness, inclusivity, and valuing people with different perspectives lead to better, more mature solutions.
And still, Etai continues learning. As a photographer, he's learned how to identify a solution and work until he can present a trivial subject magnificently. As a wakeboarder, he's learned the value of advancing incrementally and steadily. And as a father raising his baby girl, Tom, Etai has learned sleep deprivation doesn't hinder his problem-solving abilities.
As a software engineer at At-Bay, Gali focuses on creating an internal system that helps manage the underwriting process — a technical challenge she thrives on solving.
Her affinity for problem solving began when she was a software engineer in the Israel Defense Forces (IDF). Her IDF team motto, "Everything is possible," is something she lives by today, believing the best thing to do in the face of a challenge is to keep trying until she succeeds.
Gali's experience in the army also taught her that a successful team is a friendly team. Working with friends, she says, enhances the team's willingness to work together and to ask for help when needed.
Even when she's working out, Gali's looking for new challenges. She believes that although you may stumble along the way, with goals set and a lot of hard work, you can achieve what you set out to do.
As product manager, Matt takes At-Bay's technology products from concept to execution. An average day may include interviewing users, sketching new product ideas with the design team, troubleshooting issues with the engineers, or poring over data to figure out new ways to share insights with brokers and clients.
Working with a team with endless ideas has its challenges, but Matt brings patience, an open ear and the ability to weigh many different options—and, when the time comes, the drive to get things done.
Matt has a degree in computer science from Yale and experience as a senior business analyst at McKinsey & Company, where he solved business problems for senior executives. He puts that experience to use at At-Bay by building business solutions for technical problems.
When he isn't managing product, he's exploring the California outdoors and persistently improving his cooking. Step 1: Make sure it's sugar and not salt.
As office manager, Moran runs the Mountain View office operations and communicates on an ongoing basis with the Tel Aviv office. She works closely with the team, making sure operations run smoothly and that people's time is productive and enjoyable.
Moran has nine years of operations and administration management experience at various companies both in Israel and the U.S. Equally important, she has experience making people laugh as hard as they work. She's known Tami for years, and upon meeting the rest of the team, she connected immediately. She believes this mutual respect encourages teamwork and shared learning.
If you've ever met Moran, you know she's a fashion enthusiast. She appreciates that At-Bay — like top brands in the world of fashion — stays up on the latest trends to deliver products that lead the industry. She also admires that At-Bay focuses on aesthetic details, recognizing the impact a great brand can have.
When she isn't putting smiles on the faces of her At-Bay family, she's putting smiles on the faces of her own family. Much like her fearlessness in running the operations of an entire team, she is fearless in experimenting with food. To be clear, eating, not cooking.
Ricardo is a user experience designer at At-Bay, where he works closely with the product team to research, prototype and user test At-Bay's products. With that information, Ricardo finalizes designs and readies them for development.
By stepping into the shoes of the clients, brokers and underwriters, he gains a better understanding of their challenges, needs and motivations. With this understanding, he's able to design better solutions for reducing cyber risk. Ricardo used a similar approach in the past, working on a variety of projects at creative agencies.
Taiwanese by blood, Ricardo was born in Brazil and raised in Toronto, then moved to New York before settling most recently in San Francisco. No wonder, then, that he has a knack for putting himself in the shoes of everyone he meets.
As founder and chief risk officer, Roman built At-Bay's insurance policy and ensures that the policy matches the expectations of the client. Once those expectations have been met, he ensures At-Bay's operations and compliance run smoothly so brokers and clients have the best possible experience.
Roman was drawn to the highly technical challenge of cyber insurance. With the industry in its infancy, he saw a real opportunity to affect it by holistically solving the complex problem of cyber risk. His solution for making smart risk decisions? Connect financial modeling with the risk itself.
Roman has over a decade of experience in financial modeling, compliance and operations. While VP of financial products at Ebury, he built a successful data-driven financial risk model. Prior to that, he gained deep finance knowledge from his time as an investor at Bain Capital.
Cyber insurance requires deep technical expertise and the courage to take risks. Rock climbing does too. That's why Roman enjoys it. And, for the same reason, he enjoys scuba diving, squash and mountaineering.
As founder and CEO of At-Bay, Rotem leads the team. He crafts business processes to ensure the company runs smoothly, and delights in empowering his team to solve highly complex problems with grit and focused teamwork.
When taking on the complex problem of cyber risk, he drew from his MBA at Harvard and over a decade of experience in government intelligence, cyber security and software engineering. However, a firm believer in meritocracy, he feels it's not just about talent, but what you make of it.
Rotem was frustrated by the difficulty of providing financial context to risk. And, upon working with insurance underwriters to help them better select and price risk, he realized cyber underwriting is a complex problem unique to the industry. That's when At-Bay came into its own. Rotem built a company with a multidisciplinary team of experts to solve one of the most complex problems in the insurance industry today. He believes the key to unlocking innovation in the space is a redesign of the risk organization and vertical integration to bring together security research, financial modelling and field underwriting.
When he isn't building a company from scratch, Rotem is building just about any DIY project he can dream up. Most recently: a six-layer rainbow cake for his daughter's third birthday.
Roy is head of product for At-Bay, meaning he guides the engineering team, keeps the team in sync, and builds a great product that fits the market.
Once he learned the complexity of cyber insurance and met the At-Bay team, Roy was sold. He sees cyber insurance as a crossword puzzle, complex and challenging to solve. Depending on the context, Roy tailors his approach to solving this complex problem accordingly. Sometimes that means hand-waving high concepts, and other times that means highly detailed and specific direction. Either way, he's there to guide his team to success.
A jack of all trades, Roy brings 15 years of experience working with data products and analytics in the U.S. and Israel. He finds his eclectic career path as a director of product management, financial analyst and programmer helps connect dots in unique ways. And since this cyber insurance puzzle has a lot of distinct, freewheeling dots that need connecting, it works out pretty well.
Outside of work, Roy charms people with his guitar and kind-hearted nature. When he's not being one of the kindest people you'll meet, he's being the most sarcastic.
As VP R&D, Shimi selects the right software tools and infrastructure for, as he puts it, a double-headed monster: a technical, sophisticated, cyber-learning platform paired with an insurance company.
Now a veteran captain of the Israel Defense Forces, he learned all he knows about computers from his service in the army. After that, he spent 20 years in different high-tech industry roles, building, managing and supervising numerous successful software projects at Intucell, Infinidat and C-Soft.
Drawing from his experience, and perhaps natural talent, Shimi has a good eye for bad processes, quickly identifying when something isn't working. And then, ever a team player, relaying that to the team to better improve the process.
He appreciates most the enormous effort required to do things simply. Most recently he's taken pleasure in Benny Goodman's "Sing, Sing, Sing," a tune that makes playing several complex instruments harmoniously sound simple.
At At-Bay, Tami is head of people operations, responsible for employee matters, culture and HR processes. With an LLM in law and experience as a high-tech, M&A lawyer, she also serves as At-Bay's GC. She is everyone's favorite person; a shoulder to lean on and an unofficial laughter therapist. With what she learns listening to and observing the needs of the team, Tami helps individuals and teams meet their potential and grow as people and professionals.
Previously, as a M&A lawyer, Tami worked with clients at a detailed level and constantly learned about new technologies. That experience enabled her to communicate well and identify the needs of different teams so they can work happily and effectively.
What led her to cyber insurance? Tami says she was attracted to the combination of the highly regulated world of insurance and the highly dynamic world of cyber. Upon learning the depth of the problem At-Bay is trying to solve within those two worlds, she was hooked.
Both at work and in her spare time, Tami is all about time efficiency. As a mother of two toddlers, she rarely gets a moment to herself. When she does, she's pretty passionate about sleeping — in 20-minute power naps, of course.
As research analyst at At-Bay, Yonatan explores the cyber world for security features that could help better assess a company.
The moment Yonatan met the At-Bay team, he saw a fire within them to do good and change the world. This atmosphere paired with cyber and statistics made At-Bay a company he wanted to be a part of.
Prior to joining At-Bay, Yonatan served for six years in the Israel Defense Forces, working in cyber research. He found his passion for cyber while there, gaining an understanding of computer networks and the principles of the internet's structure. He also learned the invaluable lesson that everything is possible if you're willing to put in the effort, which has become something he lives by each day.
An avid gardener, Yonatan revels in the rewards of growing the food that feeds him. And when he's not in the dirt, he's pounding the pavement — the best stress reliever, he says, is running.