Carmen Gutiérrez

With a background in Business Studies and 20 years’ experience in
the insurance sector, I have worked in Risk Management at the
Telefónica Group and, for over fifteen years, in affinity insurance
with the Group’s Direct Insurer (Telefónica Seguros), developing
innovative products such as mobile insurance.
For the past six years, I have led the development of cyber
insurance at Telefónica Seguros, serving as product manager and
head of underwriting and business, with a focus on creating cyber
solutions that protect our customers in an increasingly complex
digital environment.