Max Carruthers has spent 40 years in the insurance industry, mostly at COO or CEO level.  The roles have ranged from loss adjuster to Lloyd’s Broker to underwriter.  Common themes have been operational management, the cost effective use of technology to create trading advantage,  the use of data for competitive advantage and a unique experience in mergers and acquisitions.  Apart from the role of COO at Axa, from the mid 1990s onwards virtually all roles have been in businesses backed by private equity.  In 2013 he “retired” and set up his own consultancy to support business in his areas of specialism.  He is chairman or NED of several leading private equity backed companies in insurance and technology as well as being a founder or enthusiastic supporter of several technology start-up companies in the financial services and data arenas.  He also helps run two family businesses in Argyll.  Max lives in Cove.