Laura Moxter Morales

Laura works on A2ii-IAIS Supervisory and Public Dialogues, has a thematic focus on remittances, and provides support to on-going A2ii projects, trainings, and events.

Her background is in academic research on migration and remittances. She holds a bachelor’s degree in Anthropology by the Autonomous University of Madrid and a master’s degree in Latin American Studies at the Freie University of Berlin. She is fluent in English, Spanish and German.

Adequate insurance can provide stability when unexpected shocks occur. This can be vital to those in the most vulnerable situations, which is why I believe it is a crucial tool for reducing poverty and achieving development goals, and why I want to contribute to the process of making insurance accessible and inclusive.

Blog Posts from Laura Moxter Morales

30.06.2023 | Laura Moxter Morales | Climate and disaster risk, Fiji, Index Insurance, Pacific Islands

Index Insurance: Unlocking Opportunities and Addressing Challenges - A2ii-IAIS-UNCDF Public Dialogue Report

Index insurance, also known as parametric insurance, has gained significant popularity in recent years due to its potential benefits. The use of satellite technology and predetermined trigger indexes allows for a swift response and efficient processing of pay-outs.

22.05.2023 | A2ii Editorial Team, Laura Moxter Morales | Supervisory Dialogue

Risk-based Capital and Supervision - A2ii-IAIS Supervisory Dialogue Report

The shift to risk-based capital (RBC) approaches has many benefits for stakeholders in the insurance sector including consumers, industry players and supervisors. Not only does it support the development of the insurance market by providing flexibility and encouraging innovation, but it is also more efficient, allocating capital more appropriately to risk and reducing the amount of dormant capital. Additionally, RBC gives supervisors improved measures of financial soundness, insights into insurers’ risk management practises and corporate governance structures, comparability and proportionate ladders of intervention, leading to better supervision.

28.11.2022 | Laura Moxter Morales | Migrants, Remittances

Challenges and supervisory demands in facilitating migrant insurance

The International Organisation for Migration estimated that 281 million people, almost four per cent of the world’s population, were living outside their home countries in 2020. The World Bank calculates that in 2021, $773 billion were sent as remittances, although this number is estimated to be much higher if informal remittances were taken into account.

19.08.2022 | A2ii Editorial Team, Manoj Pandey, Laura Moxter Morales | Artificial intelligence, Ethics, Governance, InsurTech, Machine learning

Artificial intelligence and emerging regulatory expectations

Artificial Intelligence (AI), including Machine Learning (ML), is one of the technologies reshaping the financial sector, including insurance. AI has the potential to significantly improve the delivery of financial services to consumers as well as the operational and risk management processes within firms, which can present many opportunities for expanding financial inclusion.

Laura Moxter Morales