--- title: "Luba Uram | Leading Transformation for Tomorrow" url: "https://www.lubauram.com/" description: Follow my thoughts and experience in the fields of Technology and Transformation, AI and Women in Tech - within the global finance and insurance industry. date: 2018-01-22 modified: 2025-06-04 lastUpdated: 2026-03-02 --- # Luba Uram | Leading Transformation for Tomorrow --- ![](https://www.lubauram.com/_assets/processed/931c8BEWYY-zY4cQxS-CNYQKGf6aIu6NQz0qW0a21Co/q:85/w:112/h:59/fn:Y3NtXzIwMjZfSnVkZ2VzX1NvY2lhbF9DYXJkX0x1Ym9zbGF2YV9VcmFtX1BUQV9jNDBmMDdhNWJh:t/cb:8ba3dc0653a8f15a5f0b223c9b97575e2d12cb8c/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQXdhcmRzX0FjaGlldmVtZW50cy8yMDI2X0p1ZGdlc19Tb2NpYWxfQ2FyZF9MdWJvc2xhdmFfVXJhbV9QVEEucG5n) ![](https://www.lubauram.com/_assets/processed/1cRJ9m4XFm46xyMlXZzelDJqs_CWZXyi3GjJR1plQFM/q:85/w:112/h:112/fn:Y3NtXzIwMjZfRlRDLUJhZGdlLUNpcmNsZS1XaGl0ZV84OTE2OWNjYWRi:t/cb:657d2d65414883184aa08dad633f1e6851afbdf5/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQXdhcmRzX0FjaGlldmVtZW50cy8yMDI2X0ZUQy1CYWRnZS1DaXJjbGUtV2hpdGUucG5n) ![](https://www.lubauram.com/_assets/processed/N7aopxm-PgLPst5QUma5vqMw61Hl4u_kdOCJ8P9rtow/q:85/w:112/h:63/fn:Y3NtXzIwMjVfV0lUX1dpbm5lcl9DZXJ0aWZpY2F0ZV9lYzk4MGUxODM3:t/cb:d9f8d64bf1d83edb083bcefd0ce18de4f8970b5f/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQXdhcmRzX0FjaGlldmVtZW50cy8yMDI1X1dJVF9XaW5uZXJfQ2VydGlmaWNhdGUuanBn) ![](https://www.lubauram.com/_assets/processed/UsaUVHWAC0FEoBVKSx0Sj5S5V82jxgujMwIdTua5xZ4/q:85/w:112/h:24/fn:Y3NtXzIwMjVfRXVyb3BlYW5fV29tZW5fRmluYW5jZV9GaW5hbGlzdF9oZWlnaHQ2NDBfZTdkZjNkNWMyNA:t/cb:194262b04e97feeead44c024fcb15191d91fb659/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQXdhcmRzX0FjaGlldmVtZW50cy8yMDI1X0V1cm9wZWFuX1dvbWVuX0ZpbmFuY2VfRmluYWxpc3RfaGVpZ2h0NjQwLnBuZw) ![](https://www.lubauram.com/_assets/processed/2aMT_xD9RwdSZUGIAz4H_LN8bJlcvL1K8Dj8ZI937Ag/q:85/w:112/h:59/fn:Y3NtXzIwMjVfUGF5dGVjaF9Bd2FyZF9KdWRnZV9iMTI3YTU5Mjkz:t/cb:03b03884988073970b14f3ffb697416d8e809fd2/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQXdhcmRzX0FjaGlldmVtZW50cy8yMDI1X1BheXRlY2hfQXdhcmRfSnVkZ2UuanBn) ![](https://www.lubauram.com/_assets/processed/sTb0vpFlQ0ByD3JVEPYNFVp2muoqiSx3RCxrEbbRMpo/q:85/w:112/h:46/fn:Y3NtXzIwMjRfVGhlLTEwLU1vc3QtQWRtaXJlZC1CdXNpbmVzc3dvbWFuLW9mLXRoZS1ZZWFyLTIwMjRfMS0yXzBiMDhhMzU3ZWU:t/cb:ec8f02d194ab8c47333f3ff45efea5317621f4e5/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQXdhcmRzX0FjaGlldmVtZW50cy8yMDI0X1RoZS0xMC1Nb3N0LUFkbWlyZWQtQnVzaW5lc3N3b21hbi1vZi10aGUtWWVhci0yMDI0XzEtMi5qcGc) ![](https://www.lubauram.com/_assets/processed/meOFJf1Q6mWqRhXa8ihBQLlKe64M0oAHdZX3BZWh68c/q:85/w:112/h:59/fn:Y3NtXzIwMjRfMDZfUGF5LVRlY2gtSnVkZ2VfYmVkODc0ZTkzMw:t/cb:e289212bb1ce7b6560cd6c968bdb93cb8ba437b8/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQXdhcmRzX0FjaGlldmVtZW50cy8yMDI0XzA2X1BheS1UZWNoLUp1ZGdlLmpwZw) ![](https://www.lubauram.com/_assets/processed/K5mu7FA8lu96ojcpGXTPVVXmOVrEIKEdJrHE1WbVURA/q:85/w:112/h:113/fn:Y3NtXzIwMjNfRm9yYmVzX1RlY2hub2xvZ3lfQ291bmNpbF9NZW1iZXJfMGNmN2YxNDdkMA:t/cb:a190124c0f9d5e7dcba7c7d9eafea625875ccf45/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQXdhcmRzX0FjaGlldmVtZW50cy8yMDIzX0ZvcmJlc19UZWNobm9sb2d5X0NvdW5jaWxfTWVtYmVyLnBuZw) ![](https://www.lubauram.com/_assets/processed/ZtdKBgsAtdJyLtw0pCX70u1fVMr-V951bkLqlKI53Cw/q:85/w:112/h:84/fn:Y3NtXzIwMjNfTWlsYW5vX0ZpbmFuemFfQXdhcmRfVW5pQ3JlZGl0XzRmZThjMjBiNWM:t/cb:abc501af984c5ba757d585eeb47740a3e42d0a00/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQXdhcmRzX0FjaGlldmVtZW50cy8yMDIzX01pbGFub19GaW5hbnphX0F3YXJkX1VuaUNyZWRpdC5wbmc) ![](https://www.lubauram.com/_assets/processed/pdn2RE3BLNXH7PHt8oYsPUfqOq6m6FIj3ITL4UErMCI/q:85/w:112/h:59/fn:Y3NtXzIwMjMtRU9JX0dhcnRuZXJfXzI0MGUxMzYyNGU:t/cb:35afac07e369c850f8578140e4b2c2528e66b6e0/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQXdhcmRzX0FjaGlldmVtZW50cy8yMDIzLUVPSV9HYXJ0bmVyXy5wbmc) --- ##### About me **LEADING PLATFORMS, AI AND OPERATIONS THROUGH TRANSFORMATION** =============================================================== I am an international executive leading technology, operations, and large-scale transformation in regulated environments. My work focuses on translating business priorities into **scalable platforms, operating models, and measurable outcomes**, with clear accountability for execution and people. With more than 20 years of experience across banking and insurance, I have led organizations through **platform scaling, post-M&A integration, and AI-enabled transformation**, operating at the intersection of technology, operations, regulation, and leadership. Today, as Chief Operating & Technology Officer at Solvd Group (Allianz Group), I am responsible for enterprise-scale platforms and operations across multiple markets, ensuring that transformation holds under complexity, regulation, and growth. **WHAT I AM KNOWN FOR** - Enterprise transformation in regulated industries - Platform-based scaling and operating model design - Post-M&A integration of technology and operations - AI as an enabler of measurable business outcomes - Building and leading high-performing, international teams [MORE ABOUT ME](https://www.lubauram.com/profile/) [ VisIt mE ON LinkedIn](https://www.linkedin.com/in/luboslavauram/) --- ![](https://www.lubauram.com/_assets/processed/2vs59InVsp7f5omF3mwfY_UwbuuFlWi2ZxLFPwKWAcI/q:85/c:800:464.4:fp:0.5:0.6255/rt:force/w:427/h:248/fn:Y3NtX0Fib3V0X21lLTI4NDRfNzdlNTFlMjgwYg:t/cb:61c67516f8d7f3b95bc6792e8fde606050a21643/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvTHViYV9QaWN0dXJlcy9BYm91dF9tZS0yODQ0LnBuZw) ##### Key Competencies and Skills Business Technology Leader -------------------------- Managing an international division, bringing along extensive top management experience, and leading into the digital future are my primary responsibilities. Besides I am bringing along different fields of strong expertise within my industry, as outlined below: [Platform Scaling](https://www.lubauram.com/blog/) [AI-Enabled Transformation](https://www.lubauram.com/blog/) [Post-M&A Integration](https://www.lubauram.com/blog/) [Technology & Operations](https://www.lubauram.com/blog/) [Digital Operating Models](https://www.lubauram.com/blog/) [Board Leadership](https://www.lubauram.com/profile/)[Talent & Leadership Development](https://www.lubauram.com/keynotes-events/) --- VISIT MY BLOG ------------- Between boardrooms, tech labs, and international stages, I collect perspectives. In my blog I bring them into public conversation - unfiltered, strategic, and sometimes uncomfortable. [To my blog](https://www.lubauram.com/blog/) [ ![](https://www.lubauram.com/_assets/processed/9DZ48aBe5FO9MBcyG2EjjJceVs-D4igxffnUNkL79q4/q:85/c:810:810:fp:0.5:0.5/rt:force/w:480/h:480/fn:Y3NtX0xVQkFfQmxvZ19CaWxkZXJfXzE5MjB4MTA4MF9weF9fXzdfXzJhZWI2YzRkN2E:t/cb:916bfbe3b1ade80802e315eef60b61149ff38dac/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQmxvZy9MVUJBX0Jsb2dfQmlsZGVyX18xOTIweDEwODBfcHhfX183Xy5wbmc) (Digital) Transformation 13.04.2026 ### Designing Hybrid Operations The organizations seeing real impact from AI are not replacing people. They are redesigning workflows so humans and machines operate together, each doing what they do best. More ](https://www.lubauram.com/blog/designing-hybrid-operations/) [ ![](https://www.lubauram.com/_assets/processed/7OV51VSQ4OT60g9K7A6hsaZwx12d0p4Bm2St1cdP2MM/q:85/c:810:810:fp:0.5:0.5/rt:force/w:480/h:480/fn:Y3NtX0FJX0F1dG9tYXRpb25fdGhhdF93b3Jrc180YTZmMGMwYWYw:t/cb:5f6b332151e9ce8c5e554ca0da4995f52649f82a/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQmxvZy9BSV9BdXRvbWF0aW9uX3RoYXRfd29ya3MucG5n) (Digital) Transformation 25.03.2026 ### How to Make AI Automation Work From my experience leading technology and operations at scale, I’ve learned: Automation doesn’t fail because the tool isn’t capable. It fails because the process around the tool isn’t ready. More ](https://www.lubauram.com/blog/how-to-make-ai-automation-work/) [ ![](https://www.lubauram.com/_assets/processed/vcDza5osDPGNXbfBLJIupiutguuTcSlKuA-zT6iQswA/q:85/c:945:945:fp:0.2815:0.5/rt:force/w:480/h:480/fn:Y3NtX0xVQkFfQmxvZ19DaGFuZ2VfMTkyMHgxMDgwX3B4X2NlZTQzYzJkNTY:t/cb:c4c3eb1666d6c262ab3f8615f19bc1f606496401/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQmxvZy9MVUJBX0Jsb2dfQ2hhbmdlXzE5MjB4MTA4MF9weC5wbmc) (Digital) Transformation 13.02.2026 ### Costs & Consequences of New Product Integrations For years, integration has been the hidden cost of transformation. What is changing now is not the need for integration, but how integration happens. More ](https://www.lubauram.com/blog/costs-consequences-of-new-products/) [ ![Picture with Notebook and charts](https://www.lubauram.com/_assets/processed/brd_roD2foks6MjLT1rr9fjs39p1q0a3plblUMVutGw/q:85/c:945:945:fp:0.5:0.5/rt:force/w:480/h:480/fn:Y3NtX1RyYWluaW5nX2Nvc3RzX0xVQkFfQmxvZ183Nzc1Yzc1ZGIy:t/cb:dbfb1839d18f20a05279441ea8bfb4d60b11a89e/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQmxvZy9UcmFpbmluZ19jb3N0c19MVUJBX0Jsb2cucG5n) AI 03.02.2026 ### Training costs dilemma The Real Story Behind the Rising Cost of Training AI Models and why it matters more than most business leaders realize. More ](https://www.lubauram.com/blog/training-costs-dilemma/) --- ##### Deep Dive CHECK OUT MY VOICE ON MEDIA --------------------------- From publications in magazines like FORBES or BANKING CIO to LinkedIn and X - I am appreciated being asked for my opinon and to share my experiences. [Go this way](https://www.lubauram.com/publications-perspectives/) --- Get in Touch ============ Get in touch and contact me about Business, Speaking Inquiries and Media Requests. #### Luboslava Uram ✆ [+49 151 407 234 71](tel:04915140723471) ✆ [+42 190 576 7101](tel:0421905767101) @ luba@uram.info or connect with me via [LinkedIn](https://www.linkedin.com/in/luboslavauram/)