CCD Headshot.png

Chris Downer
Chris is a Principal at XL Innovate focusing on insurtech investments in North America, Europe and Asia. He is responsible for due diligence and deal sourcing. Chris is a board observer at Pillar Technologies, an end-to-end environmental monitoring solution for construction sites and Stonestep, which provides microinsurance as a service in emerging markets. 
Before joining XL Innovate, Chris was an Associate in the Alternative Investments and Manager Selection Group within the Investment Management Division of Goldman Sachs. During his five years at Goldman, he developed special expertise in emerging markets and Asia and worked in both the New York City and London offices. Chris graduated magna cum laude from Dartmouth College, with a BA in Asian and Middle Eastern Studies and a minor in History. Outside of XL Innovate, Chris is a dedicated cyclist, avid New York Rangers fan and American History buff.


Rob Galbraith
Rob Galbraith is a Director of Underwriting Research at USAA where he leads a high-performing team of professionals that uses innovative technology, advanced analytics, the latest in science and social psychology, and a multitude of partnerships to underwrite over 6 million property insurance products. Rob is a recognized thought leader on P&C insurance who is a published author, frequent speaker and media contributor.
Rob has over 20 years of experience in the financial services industry in a variety of positions with USAA, Citigroup, and the Federal Reserve Board. He holds a Master's of Science in Insurance Management from Boston University and a Bachelor of Arts in Economics from Michigan State University.


Cheryl Yakey is a Partner and Insurance Regulatory Practice Group Leader in Wilson Elser Moskowitz Edelman & Dicker LLP’s San Francisco office. She represents insurance companies, MGAs, agents/brokers, and insurtech start-ups on regulatory, compliance and transactional matters. 

She has been a trusted legal and regulatory advisor to some of the nation’s leading insurance companies and has become a recognized insurtech thought leader speaking at insurance industry events. In her roles, she is passionate about assuring regulatory compliance, mitigating risk and uncovering strategic opportunities to improve profitability. She is a seasoned and successful advocate and communicator
with senior management, industry regulators, trade associations and state legislators.


Abbey Gallegos
Abbey Gallegos is the Executive Vice President of Insurance At Zeguro. Zeguro is a cyber liability insurtech MGA. Zeguro provides full cyber risk management for SMEs. Zeguro uses data-driven and evidence-based technology to provide comprehensive and customized insurance policies.

Prior to Zeguro Abbey was a Senior Vice President at Willis Towers Watson. She also held various positions at AIG, including Western Region Underwriting Manager for financial lines, which was recognized as one of the most profitable units for AIG. While there she served as a mentor for the Young Leaders Alliance. 


David Tobias
David Tobias has been in insurance industry all his life.  His father founded Research Specialists Insurance inspections over 40 years ago.  David took over that business 10 years ago and grew it into a national company with over 500 inspectors working for some of the largest US insurance companies.  In late 2015 David co-founded Betterview (with David Lyman) to provide the insurance industry with aerial insights around buildings and properties. Betterview is one of the most widely used aerial imaging platforms for the insurance industry.  Betterview is a venture backed San Francisco based company.