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.



Founder & CEO

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.



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.



Industrial Engineer with an MBA and specializations in TQM and SCM. During his 25 year-long career, Miguel has worked in the fields of Business & IT Consulting and Business Transformation in Manufacturing & Logistics Operations, in both European and Peruvian markets.

As COO of Hello ZUM, Miguel is responsible for planning and controlling the solution being developed to match our customer’s timeframes, maintaining proper quality and risk levels.




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. His work at Hello ZUM will impact how the company fits the end-user’s expectations, ensuring that our value proposition translates not only as savings and efficiencies, but also as a smooth, seamless experience.


Product Manager

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.


IT Manager

Hernán is the Information Technology Manager at Hello ZUM. He brings more than 12 years worth of experience, leading technology teams in Peru, Ecuador, USA and Australia, with an extensive knowledge of robust transactional applications building and digital transformation processes in a variety of industries.

Hernán is responsible for the evolution of the company’s strategic technical direction. He ensures Hello ZUM's quality standards match the industry's, by focusing on high security and short response times for its customers.