Ramiro Martins is a Senior Strategist Expert designing new competitive advantages for products and services, He was CEO of a Risk Assessment Company before joining Smith+Co Iberia. He took this company from being a very conservative organisation, to a risk assessment market leader in just three years: using predictive algorithms and differentiated tools to cut costs and increase sales by 400%. A seasoned executive, Ramiro has been the CEO of several companies in the Insurance, Health Care, Retail, and Publishing industries during his 30+ year career. Almost every company became a market leader. He has also been a Professor of Strategic Marketing, Branding, and Marketing Predictive Methodologies at AESE Business School for more than 20 years.