Carmen Arbona

With over 25 years in the insurance industry, Carmen Arbona is a seasoned health reinsurance professional serving as Senior Underwriting Manager at International Reinsurance Managers (IRM) in Miami, where she oversees the Caribbean portfolio.

Carmen specialises in designing tailored health reinsurance solutions; including stop-loss and excess of loss programs, partnering with insurers and brokers across the Caribbean to deliver data-driven strategies that support long-term portfolio sustainability. Her deep expertise spans health underwriting and the management of high-cost claims, areas in which she has built a reputation for both technical precision and practical judgment.

Recognised for her collaborative approach, Carmen has cultivated strong, enduring relationships with colleagues and regional partners throughout her career, a hallmark of the trust and professionalism she brings to every engagement.