--- 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 --- # Luba Uram | Leading Transformation for Tomorrow --- ![](https://www.lubauram.com/_assets/processed/as57IZ9U2_g9dMqybjGnaEgXb-wXH2m9qwqhqbHyhdI/q:85/w:112/h:75/fn:Y3NtX2hvdF90b3BpY3NfZDZiNjMzOTU5Nw:t/cb:426f8fea6deb804d85c2cac8f765aa2e22239bc4/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQXdhcmRzX0FjaGlldmVtZW50cy9ob3RfdG9waWNzLnBuZw "Global CIO 100_2026") ![](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 ------------- I write about ideas that make me pause, question and see things differently. From leadership and technology to change, learning and everyday observations, this is where I share my personal perspective - openly in my own voice. [To my blog](https://www.lubauram.com/blog/) [ ![](https://www.lubauram.com/_assets/processed/-U79ahO9Dftf8uZqgu7F-yobCJkh_O3dlydafYIVP0Y/q:85/c:1080:1080:fp:0.5:0.5/rt:force/w:480/h:480/fn:Y3NtX0xVQkFfQUlfQ3JlYXRpbmdfVHdvLVNwZWVkX1dvcmtmb3JjZV8wMWRiOTZjZDA2:t/cb:17827dbe36d4ce8f8c0fe33bbd24e07067183537/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQmxvZy9MVUJBX0FJX0NyZWF0aW5nX1R3by1TcGVlZF9Xb3JrZm9yY2UucG5n) AI 17.10.2026 ### AI Is Creating a Two-Speed Workforce Why the biggest risk of AI transformation may not be technology, but the growing divide between people. More ](https://www.lubauram.com/blog/ai-is-creating-a-two-speed-workforce/) [ ![](https://www.lubauram.com/_assets/processed/0QWkmQxRhWFlbiYLVoN1mkGCcZo2p5wIBmHu-Jl2C-Y/q:85/c:1080:1080:fp:0.5:0.5/rt:force/w:480/h:480/fn:Y3NtX0xVQkFfQmxvZ19CaWxkZXJfXzE5MjB4MTA4MF9weF9fNTI3YWM2OTI2ZA:t/cb:b4fb4b3be3f3179817db54da5123f229e75e5b4d/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQmxvZy9MVUJBX0Jsb2dfQmlsZGVyX18xOTIweDEwODBfcHhfLnBuZw) (Digital) Transformation 13.09.2026 ### Future of Middle Management Quite often we come to the question: What will AI actually do with managerial structures and managerial roles? For me there are 5 important shifts. More ](https://www.lubauram.com/blog/future-of-middle-management/) [ ![](https://www.lubauram.com/_assets/processed/3rr8CaU4v-FjjmULwntrR55Z_Ki3BQASZFDL8OQg6io/q:85/c:864:864:fp:0.5:0.5/rt:force/w:480/h:480/fn:Y3NtX3phY2gtbS03RjlQaEJNMWdGTS11bnNwbGFzaF85MTYzZmQxYzEx:t/cb:d5ba1eb5483116be9fad84a571d016641e20effc/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQmxvZy96YWNoLW0tN0Y5UGhCTTFnRk0tdW5zcGxhc2guanBn) AI 18.07.2026 ### AI Coding AI coding tools are clearly increasing developer output. The management question is what that increase actually means for cost, quality and risk. More ](https://www.lubauram.com/blog/ai-coding/) [ ![](https://www.lubauram.com/_assets/processed/-6dAvfpvnoeITtx_xAgFsMu030wKugBYwOTMY_lHljA/q:85/c:864:864:fp:0.5:0.5/rt:force/w:480/h:480/fn:Y3NtX3NodWJoYW0tZGhhZ2UtVDlyS3ZJM04wTk0tdW5zcGxhc2hfMmUwZGQ2NTA4NQ:t/cb:d0a8d81ca8394d7a06c49387c3b8762d97e9e100/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvQmxvZy9zaHViaGFtLWRoYWdlLVQ5ckt2STNOME5NLXVuc3BsYXNoLmpwZw) (Digital) Transformation 11.06.2026 ### AI is the Commodity The organizations that succeed over the next decade will not necessarily be those with the best AI models. Here is what will make the difference. More ](https://www.lubauram.com/blog/ai-is-the-commodity/) --- ![](https://www.lubauram.com/_assets/processed/c8wG6wAquTX9hElD7Qw7bueoV1JEzuk68LXgeAUDJlU/q:85/c:1707.52:1707:fp:0.5425:0.5/rt:force/w:360/h:360/fn:Y3NtXzE1X3RSLTQuNi4yMDI2LWZvcmJlc18wZmUzNjlhZjc4:t/cb:e45c794220658a19fe8e1d6c6d5e191b5b156b72/bG9jYWw6L2ZpbGVhZG1pbi9CaWxkZXIvRXZlbnRfUGljdHVyZXMvMTVfdFItNC42LjIwMjYtZm9yYmVzLmpwZw) ##### 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/)