Areas of Focus

Education

IESE Business School, Spain
Master of Business Administration
Valladolid University, Spain
Degree in Telecommunication Engineering

Past Experience

Zurich Santander Insurance America
Head of Strategy and Governance
McKinsey & Company
Allianz Partners (Multiasistencia)
Business Development Director
The Boston Consulting Group

José combines executive experience in the insurance and services industries with strategy and technology consulting experience. He focuses on advising on strategic decisions and leading the implementation with pragmatism to create real P&L and customer value. Some of the topics where José is working on include partnerships / new business design and implementation, innovative distribution models, data strategy, digital transformation, claims optimization, and IT strategy.

José is also the Head of Insurance of ADL, collaborating with other partners in our Financial Services practice to better serve our multinational clients.

Before joining Arthur D. Little, José worked for four years in the Financial Industry Sector in Spain and Latin America as head of Strategy and Governance for Zurich Santander. Previously Jose also worked in a multinational TPA focused on claims management and with other global strategy consulting firms.

José has a degree in Telecommunications Engineering from Valladolid University and an MBA from IESE in Spain.

How to share customer data in bancassurance
Financial Services
How to share customer data in bancassurance
A customer-centric approach has become an imperative in the financial services sector, increasingly supported by the processing of vast amounts of market and customer data, among other factors. However, the complex and ever-changing regulatory environment presents challenges for personal data sharing. This Viewpoint shares some best practices for addressing these challenges to unlock the full potential of personal data in the bancassurance sector.
Find out more
Understanding key customer-centricity trends in insurance
Financial Services
Understanding key customer-centricity trends in insurance
Insurers spent years developing a deep understanding of each risk type and creating precise business models to optimize their earnings, including operating models for each line of business. Unfortunately, this model is not conducive to serving today’s customers, who desire the seamless, digital-based service they experience in their other transactions. In this Viewpoint, we outline the best way for insurers to shift from a traditional model to a customer-centric one.
Find out more
Post-merger integration success in insurance
Financial Services
Post-merger integration success in insurance
Mergers and acquisitions (M&As) have become an optimal way for insurers to expand or increase profits. However, dealmaking is time-intensive and costly, so failing to deliver on expected value is not an option. In this Viewpoint, we examine all the required elements to ensure business continuity and create synergies that make the combined entity more than the sum of its parts.
Find out more
7 levers to excel in claims management
Financial Services
7 levers to excel in claims management
The claims management process is critical for the success of insurance companies, affecting profitability as well as being a key factor in determining overall customer satisfaction. Building on real experience with top insurers as well as targeted interviews and workshops, this Viewpoint sets out a “best practice” approach for achieving claims management excellence across seven levers, with an emphasis on the interplay between technology and people.
Find out more
Rethinking the impact of CASE on insurance
Financial Services
Rethinking the impact of CASE on insurance
As vehicles become connected, autonomous, shared, and electric (aka the CASE evolution), incumbent insurers and new entrants are experiencing myriad threats and opportunities. Simultaneously, industry-wide digitization (driven by customer expectations aligned with other sectors) is intensifying competition. This Viewpoint details key aspects of the shift caused by CASE, including business model implications and clear opportunities for key market participants.
Find out more
Transforming insurance through AI
Financial Services
Transforming insurance through AI
José González
The insurance landscape is on the brink of a transformational shift, driven by the convergence of data and artificial intelligence (AI). In a world where information is at the core of accurate pricing, and a business where innovation reigns supreme, leaders must embrace technological advancements to thrive in the digital era. In this Viewpoint, we embark on a journey through the promising future of insurance, exploring how AI technology revolutionizes the use of data in every aspect of this age-old sector.
Find out more

José combines executive experience in the insurance and services industries with strategy and technology consulting experience. He focuses on advising on strategic decisions and leading the implementation with pragmatism to create real P&L and customer value. Some of the topics where José is working on include partnerships / new business design and implementation, innovative distribution models, data strategy, digital transformation, claims optimization, and IT strategy.

José is also the Head of Insurance of ADL, collaborating with other partners in our Financial Services practice to better serve our multinational clients.

Before joining Arthur D. Little, José worked for four years in the Financial Industry Sector in Spain and Latin America as head of Strategy and Governance for Zurich Santander. Previously Jose also worked in a multinational TPA focused on claims management and with other global strategy consulting firms.

José has a degree in Telecommunications Engineering from Valladolid University and an MBA from IESE in Spain.

How to share customer data in bancassurance
Financial Services
How to share customer data in bancassurance
A customer-centric approach has become an imperative in the financial services sector, increasingly supported by the processing of vast amounts of market and customer data, among other factors. However, the complex and ever-changing regulatory environment presents challenges for personal data sharing. This Viewpoint shares some best practices for addressing these challenges to unlock the full potential of personal data in the bancassurance sector.
Find out more
Understanding key customer-centricity trends in insurance
Financial Services
Understanding key customer-centricity trends in insurance
Insurers spent years developing a deep understanding of each risk type and creating precise business models to optimize their earnings, including operating models for each line of business. Unfortunately, this model is not conducive to serving today’s customers, who desire the seamless, digital-based service they experience in their other transactions. In this Viewpoint, we outline the best way for insurers to shift from a traditional model to a customer-centric one.
Find out more
Post-merger integration success in insurance
Financial Services
Post-merger integration success in insurance
Mergers and acquisitions (M&As) have become an optimal way for insurers to expand or increase profits. However, dealmaking is time-intensive and costly, so failing to deliver on expected value is not an option. In this Viewpoint, we examine all the required elements to ensure business continuity and create synergies that make the combined entity more than the sum of its parts.
Find out more
7 levers to excel in claims management
Financial Services
7 levers to excel in claims management
The claims management process is critical for the success of insurance companies, affecting profitability as well as being a key factor in determining overall customer satisfaction. Building on real experience with top insurers as well as targeted interviews and workshops, this Viewpoint sets out a “best practice” approach for achieving claims management excellence across seven levers, with an emphasis on the interplay between technology and people.
Find out more
Rethinking the impact of CASE on insurance
Financial Services
Rethinking the impact of CASE on insurance
As vehicles become connected, autonomous, shared, and electric (aka the CASE evolution), incumbent insurers and new entrants are experiencing myriad threats and opportunities. Simultaneously, industry-wide digitization (driven by customer expectations aligned with other sectors) is intensifying competition. This Viewpoint details key aspects of the shift caused by CASE, including business model implications and clear opportunities for key market participants.
Find out more
Transforming insurance through AI
Financial Services
Transforming insurance through AI
José González
The insurance landscape is on the brink of a transformational shift, driven by the convergence of data and artificial intelligence (AI). In a world where information is at the core of accurate pricing, and a business where innovation reigns supreme, leaders must embrace technological advancements to thrive in the digital era. In this Viewpoint, we embark on a journey through the promising future of insurance, exploring how AI technology revolutionizes the use of data in every aspect of this age-old sector.
Find out more

More About José
  • IESE Business School, Spain
    Master of Business Administration
  • Valladolid University, Spain
    Degree in Telecommunication Engineering
  • Zurich Santander Insurance America
    Head of Strategy and Governance
  • McKinsey & Company
  • Allianz Partners (Multiasistencia)
    Business Development Director
  • The Boston Consulting Group