Meet the team

Hello ZUM was started in 2012 by Carlos Miguel Vidal, who has over 25 years of experience in the insurance and reinsurance industries. He has put together a team of professionals with different backgrounds that share a common vision on the future of insurance. This vision places the consumer as the centerpiece of the industry, creating value for all.




During his 25 year-long career, both as a broker (retail & reinsurance) and as an insurance company executive, he has taken the role of Personal Lines & Affinity Manager, Commercial Planning & Strategic Projects Manager, Reinsurance Manager and Claims Manager P&C at Pacífico Seguros.

Carlos Miguel also has ample experience as Personal Lines & Affinity Manager (Marsh Peru) and as CEO (Willis Peru).


Founder & Chairman

As Chairman of Hello ZUM, Manuel accounts for 40 years of experience in roles such as Managing Director of Guy Carpenter & Company, Inc. (New York), Chairman and CEO of Peru's erstwhile reinsurance monopoly, Reaseguradora Peruana S.A., Managing Director and Chairman of Willis Re's Latin America & Caribbean Group, and Member of the Board of Reaseguradora Patria S.A. (Patria Re) in Mexico.



Ricardo has worked for more than 25 years in the banking and insurance industries. During this time, he has led numerous teams as Marketing Manager in both NBK Bank and Scotiabank, and played a significant role in Peruvian leading insurance carrier Pacifico Seguros in marketing and sales, customer experience, innovation and digital transformation.



Spent 7 years in London at Willis Re as a Lloyd’s broker, representing insurance companies from Europe and then Latin America and the Caribbean, before pursuing an MBA at Columbia Business School. After receiving his MBA, Manuel spent 5 years at Greenhill & Co., a leading boutique investment bank, in New York and São Paulo. As a Vice President at Greenhill, Manuel advised clients across a range of industries on strategic matters, capital raising, and M&A.




Micaela developed her career in tech at Yahoo, as Search Editor, Quality Analyst and later Project Lead, working on high-level editorial projects and mobile apps for almost 10 years. At Pinterest, she’s worked as Product Quality Specialist and Release Manager, leading the release of Pinterest platforms. She later moved to Peru to work as a Content and UX Leader for the national government web portal. At Hello Zum, Micaela is responsible for the organization’s wellbeing, using agile and Design-centric methodologies to ship ZUM with the best possible UX and quality.


Head of Product

César has been working in the health, insurance and technology industries for almost 23 years. During this time, he has led teams as Project Manager in the Peruvian Superintendence of Health (SUSALUD) and Peruvian Carrier La Positiva Seguros; as IT Manager in B-IT Solutions and as Chief System Engineer in DHL.

César has also worked as senior consultant for companies BDO Consulting and Interseguro in technology-related projects, and possesses a master in business administration.


Head of Engineering

Sergio has over 12 years of experience in the technology sector, and has developed his career as programmer, consultant, architect and manager, leading highly qualified teams and seeking excellence in products through agile processes.

Sergio is highly experienced in systems integration, e-commerce, digital marketing, devops culture and digital transformation, and has worked for companies like Belcorp, Electro Peru (state-owned electric generation and transmission company) and Osinergmin (Peruvian Supervisory Agency for Investment in Energy and Mining).