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Virginie Babinet


Prior to joining Europ Assistance, Virginie, a graduate of Ecole Centrale de Lyon, spent 25 years in AXA. After 12 years in different positions in local finance departments or at the holding level, she took in 2006 the lead on the Flyer Program, a transformation of the organization, process, and tools of the AXA Finance function in Europe. In 2013, she joined AXA Belgium to lead the business support functions and notably manage the transformation of the culture and associated impact on the building (New Way of Working). Since 2016, she oversaw Group claims standards, strategy and transformation. Since 2016, she oversaw Group claims standards, strategy and transformation encompassing the launch of the claims data strategy.  

Nicholas Sinz


Nicolas Sinz began his career in 1993 as a financial analyst for Banque Paribas in France and in Asia before joining Lafarge in 1996 as financial controller. He then joined AXA in 1998, where he held various senior management positions, initially within the Group head office in the areas of strategy, mergers and acquisitions and IT governance, then for AXA France as deputy director of Internal Audit. In 2006, Nicolas Sinz became General Secretary of AXA Assistance France, then Deputy Chief Executive Officer in 2010 before being appointed Chairman and Chief Executive Officer of AXA Assistance France in 2014. More recently, Nicolas was also leading AXA Partners France as well as the Home business line of AXA Partners worldwide.
Nicolas Sinz is a graduate of the ESSEC Business School. He is also a member of the Young Presidents’ Organization (YPO) and President of GIE SNSA, the entity created by the French National Union of Assistance Companies to build shared business assets.

Fabio Carsenzuola


Fabio has held various positions within Europ Assistance and Generali, including Chief Agents & Brokers Management Officer at Europ Assistance Italia, and Head of Commercial Planning at Generali Italia (2013-2015).

Before joining Generali, he held the position of Head of Agent Networks at Alleanza Toro from 2010 to 2013, Engagement Manager at McKinsey & Company from 2004 to 2016, and ICT Consultant at Pride Group from 2002 to 2004.

Fabio holds an undergraduate degree in Information Technology and a postgraduate degree in Information Systems Engineering from the Politecnico di Milano.

Carmelo Reale


Carmelo joined Europ Assistance in 2017, previously he was Head of the Group Strategic Legal Affairs for Assicurazioni Generali, the parent company of the Generali Group. In this role, which he began in 2013, he provided assistance in the context of numerous M&A, corporate finance, capital markets, partnerships and strategic reinsurance transactions. He has extensive experience in European and Asian markets across the insurance, financial and private equity sectors. Some of the public transactions in which he was involved include the disposal of Generali’s US activities, the disposal of Banca Svizzera Italiana, the distribution of the Group’s partnership with Discovery for the flagship Vitality product, the issue of hybrid bonds for more than €10bn, the issue of innovative cat-bonds protections and, more recently, the corporate restructuring of the Generali Deutschland Group. 

He began his career in 2000, working for first tier international law firms in USA, UK and Italy. He is admitted to practice in New York State and Italy. He and his team have been recognized with several national and international awards as leaders in the in-house legal sector.

Chris Carnicelli


Chris Carnicelli is the Chairman and Chief Executive Officer of Generali Global Assistance
North America and a Member of the Executive Committee of the Europ Assistance Group.

Chris has served in several executive leadership roles in the Generali Group since 1996 including General Counsel of Generali US Branch in New York from 1996 – 1999, Chairman and CEO of Generali US Branch from 1999 – 2003, Chairman and CEO of Generali UK Branch in London from 2003 – 2009, and Chairman and CEO of Generali USA Life Reassurance from 2009 – 2013.

Chris is also extremely active in the business and charitable community, serving as a Board member of several associations including the US Travel Insurance Association (Head of Communications Committee), Insurance Institute Charitable Foundation (IICF), UNICEF New York Board and Pace Elizabeth Haub School of Law Advisory Board.

Juan Carlos Guzman


Juan Carlos Guzmán began his professional career in 1977 at SIMO (International ICT Services Trade Fair in Madrid) as a Member of its Organizing Committee.

In 1980, he joined Europ Assistance Spain as Financial Manager. From March 1986 to June 1988, as a member of the Europ Assistance Group’s International Management, he helped set up and organize new entities attached to the Europ Assistance Group in Greece, the USA (Los Angeles) and Portugal. In 1996, he was appointed General Manager of Europ Assistance Spain and became a member of the Board of Directors in July 2009, a position he still holds today. In February 2012, he also became Senior International Director of the AIALA Region for the Europ Assistance Group.

Juan Carlos Guzmán holds a Law Degree from Deusto University. He also holds an ICADE E-3 Master in Business & Administration and is a member of the Solicitor’s Association of Madrid.

Samir Lahlou


Samir Lahlou started his international career at the Schlumberger group in 1997, where he held various financial positions in Belgium, France, and Norway at the Group, Europe/Africa Region, and subsidiary levels.

In 2007, he joined the International SOS group in Paris as Regional Finance Director Continental Europe, the Maghreb and Africa, before his appointment in 2012 as Regional CFO for Northern Europe, based in London.

In 2014, he joined the Generali Group in Milan, where he oversaw planning and management of Generali’s Global Business Lines before starting a new role at Europ Assistance in July 2015.

Samir Lahlou is a graduate of the Aix-Marseille University and the Kedge Business School.

Christina Anagnostopoulou


Prior to joining Europ Assistance Group as Human Resources & Organization Director, Christina served as the HR and Organization Director for Europ Assistance Italy.

Christina has been working within the Generali Group for the past five years, first in Generali Group’s Head Office in Milan where she was Head of Group Talent Management before joining Europ Assistance in 2017. Christina started her career working in HR for large multinational firms like LVMH and GE Money Consumer Finance. Prior to starting at Generali in 2014, she worked at the Unicredit Group, after four years she moved to a new role at Vodafone as HRBP Technology for South Europe. Christina stayed at Vodafone for two years before joining the Techint Group where she oversaw growth, training, recruitment, and employer branding.

Jean-Yves Le Berre


Jean-Yves Le Berre joins Europ Assistance with over 20 years’ experience in the insurance sector. He will be responsible for the Insurance, COO and CFO functions of the Group.

Previously, Jean-Yves was Chief Executive Officer for AXA Emerging Europe based in Paris, appointed in 2016. Having started his career with AXA as a project manager in 1991, Jean-Yves rose to hold several significant roles including Deputy CEO and CFO of AXA Central and Eastern Europe from 2012-2016 and Senior Vice President – Strategy, Business Control & Procurement of AXA France in 2011-2012.

Jean-Yves Le Berre graduated from Ecole Polytechnique in 1989 and ENSAE in 1991. He is also a qualified Actuary.

Pascal Baumgarten


Pascal Baumgarten began his professional career at the McKinsey & Company consulting firm in 1998.

After three years, he joined the Cytale company (now Bookeen), inventor of the first electronic book dubbed Cybook, as a project manager responsible for the development of professional applications.

In 2003, he returned to McKinsey, where he became partner in 2010, in charge of the Organization & HR practice in France.

In 2015 Pascal was appointed Group COO for Europ Assistance Group and went on to become the Group’s General Manager.

Pascal Baumgarten is a graduate of HEC Paris business school.

Antoine Parisi


Before joining Europ Assistance in 2014, Antoine Parisi served in various leadership roles within the AXA Group for over 20 years, most recently as Chairman and CEO of AXA Assistance France.

Antoine Parisi began his professional career in 1992 within the AXA Group. From 1997 to 2000, he held the post of Executive Deputy to the Head of Business Support US, UK, Benelux.

In 2001, he was appointed CEO of AXA e-Services, an entity in charge of providing e-business solutions for all Axa Group business units.

In 2003, Antoine Parisi was promoted Chief Executive Officer of AXA Group Solutions, an international organization responsible for delivering shared IT solutions to AXA Group business units.

In 2009, he became a member of the Executive Committee of AXA Belgium, where he held the position of COO then Managing Director of the P&C Retail Business Unit.

In November 2013, he was appointed Chairman and CEO of AXA Assistance France and Key Account Director in parallel.

Antoine holds an Executive MBA from the ESSEC business school in Paris and a Diploma in Actuarial Studies and Statistics from the University of Paris VI.