Biographies – Finance

Krystalle Tobin – Chief Financial Officer
Krystalle joined Hiscox Bermuda in March 2006 as Financial Controller, Treasurer and was appointed Chief Financial Officer in June 2010. Prior to joining Hiscox Bermuda, Krystalle was Vice President, Controller at Inter-Ocean Reinsurance Company Ltd, Vice President at Becher + Carlson Management (now Beecher Carlson) and also worked in public accounting in Canada and Australia with the predecessor of PricewaterhouseCoopers. Krystalle graduated with a Business Degree from McGill University. She is a Chartered Accountant and a member of the Canadian Institute of Chartered Accountants. She is also a Chartered Financial Analyst and a member of the CFA Institute.

Heather Gowing – Assistant Financial Controller
Heather joined Hiscox Bermuda in August 2007 as a Senior Financial Accountant and is currently responsible for assisting in the oversight of the accounting and finance functions. She is a Charted Accountant with the Canadian Institute of Chartered Accountants, a CPA, and holds a Master of Accounting degree. Prior to joining Hiscox Bermuda, Heather worked at PwC Bermuda and Deloitte in Canada.

Adriaan van der Merwe – AVP, Accounting
Adriaan joined Hiscox in June 2009 after working at KPMG-Bermuda for two years performing audits of general insurance and reinsurance firms. Currently Adriaan works in group accounts where his responsibilities include financial reporting both internally and externally as well as various ad hoc projects. Prior to joining KPMG-Bermuda he completed his training contract and studies in Bloemfontein, South Africa to qualify as a chartered accountant.

Gerald Erasmus – Senior Financial Accountant
Gerald joined the Hiscox Bermuda finance department in August 2008 as Financial Accountant. His responsibilities include preparing monthly management accounts and annual statutory documents. Prior to this he was employed at Deloitte Bermuda for two years, working in both the insurance and investment sectors. The first four years of his working career was spent as an auditor in South Africa, where his positions ranged from trainee to audit senior.

Karla Toyer – Senior Financial Accountant
Karla started with Hiscox in August 2009. Her role involves accounting for the external and internal business that Hiscox Insurance Bermuda and Hiscox Capital writes. Karla also handles expenses and other ad hoc projects including LOC management, forecasting and budgeting. Before joining Hiscox, Karla worked with Ernst and Young Bermuda for three years and Grant Thornton Philippines for 2.5 years.

Leonae Landy – Financial Accountant
Leonae joined Hiscox Bermuda in July 2010 as a Financial Accountant in the finance department. She is involved with the monthly management accounts and various compliance projects. Leonae began her career in 2007 as an auditor at Ernst & Young Bermuda auditing clients in the insurance and reinsurance industry. Leonae completed a Bachelor of Commerce degree in Accounting at McGill University.

Jill Colmet – Accounts Assistant
Jill joined Hiscox as an Accounts Assistant in the Finance Department. She is responsible for the processing of all outgoing payments, preparation of bank reconciliations, as well as dealing with payment enquires. Jill has worked in the Insurance industry for 10 years and has taken accounting and insurance courses during this time.