Our team brings a strong blend of underwriting, reinsurance and technology skills, developed through years of working with insurers and reinsurers worldwide. We focus on insight, rigour and practical innovation, ensuring our solutions deliver clarity, consistency and long-term value for our clients.
The RiskApps team is a partnership of leaders from their respective fields of underwriting guidelines production and delivery
Meet the professionals who guide the thinking behind RiskApps and our technology solutions.
”Better can always be better.
Gary Bundock
Joined SelectX as a director in 2008. Many years’ experience in life and health underwriting at insurers and at reinsurers. Was overall project manager for Swiss Re’s underwriting manual and its evidence-based ratings programme before becoming a consultant in 2006.
Likes: Bringing projects in on time and on budget, buffalo wings
Dislikes: Sloppy underwriting, prevarication, hats
When not at work: On the golf course or in the kitchen cooking up a treat
”Quality is invisible when it’s done right, and obvious when it’s not.
Graham Spark
Commenced his insurance career with a marine broker before focusing on business and IT strategy. Many years as a consultant working with global insurers on business process, and strategic IT projects. Led the development of many underwriting manuals including the first Web-based manual.
Likes: Driving change, happy customers, cheese
Dislikes: Inefficiency, poor quality, grey sky
When not at work: Ocean sailing, walking and mountain biking in the Pyrenees
”Simplicity isn’t the absence of complexity—it’s mastery over it.
Kevin White
Certified software engineer with 22-plus years of experience, the majority of which has been gained in insurance. Responsible for the development, delivery and maintenance of several underwriting manual platforms. Currently studying MSc in AI.
Likes: Well-engineered solutions, AI, Marmite
Dislikes: Poor-quality coding, unnecessary complexity, salty popcorn (but sweet is fine)
When not at work: Cycling, gardening, attempting to play piano
”Technology is at its best when it makes hard things feel simple.
Stephen Birdsall
22 years’ experience in software engineering across finance, retail, and architecture. I bring a deep understanding of data security and testing to my work. I am passionate about delivering reliable solutions that exceed client expectations, and I thrive on leveraging technology to solve complex business problems.
Likes: Reading, computer games, board games
Dislikes: Bright lights, going outside, bad coffee
When not at work: Church, Magic the Gathering, or computer related tinkering
”In life, if you don't risk anything, you risk everything.
Nicky Virgo
Joined Select X in February 2023 as a consultant. Has many years of experience working in Life and Health Insurance for both direct carriers and reinsurers. Most recently, was Head of Global Underwriting Manual Development at the Reinsurance Group of America (RGA).
Likes: Teamwork, the satisfaction of a job well done, exploring new places and new cuisines
Dislikes: Prevarication, disingenuousness, brussels sprouts
When not at work: Riding my horses, walking my dogs, reading a good book
Our strategic partners
Jason Bowman
CumPane Solutions
Based in the United States, CumPane Solutions is a leading provider of consultancy to the life insurance sector. It supports clients with building and delivering strategy and deploying transformative technology. Its founder and CEO, Jason Bowman, has been a driving force behind the deployment of insurtech for two decades.
SelectX partners with CumPane in providing underwriting rules bases and consulting services to clients in North America, as well as delivering our RiskApps underwriting manual.
