Our Team

Each member of Sovereign's team was specifically recruited for their experience as well as their complementary technical, language and interpersonal skills.

Price Lowenstein

Price Lowenstein
Division President, Sovereign Risk Insurance Ltd.

Email: price.lowenstein@chubb.com

Price was responsible for the formation of Sovereign in 1997 and was the company's first employee. Prior to forming Sovereign, Price was Vice President and Director of Guy Carpenter & Company's (a Marsh & McLennan subsidiary) Asia-Pacific Group, specializing in political risk insurance and reinsurance in China and Taiwan. Price was also Director of Political Risk Services at the Aon Corporation prior to joining Guy Carpenter. In this position, he specialized in country risk assessment and the design of political risk insurance programs for multinationals investing in emerging markets.

Price has an MA in China Studies and International Relations from the Johns Hopkins University School of Advanced International Studies (SAIS) in Washington, D.C., a BSc in Political Science from Colorado College, and two language degrees in Mandarin Chinese from the Royal Hong Kong Language Institute and from National Taiwan University in Taipei. Price is also a member of the Council on Foreign Relations in New York.

Natalie (Luthi) Chiaramonte

Natalie (Luthi) Chiaramonte
Senior Vice President & Senior Underwriter

Email: Natalie.Chiaramonte@chubb.com

Natalie joined Sovereign as a Research Analyst and quickly transitioned into underwriting with responsibility for a number of Sovereign’s client relationships.  With fourteen years of underwriting experience, she was promoted to Senior Vice President in 2015.

In addition to continuing to underwrite for a number of Sovereign’s key clients, Natalie assists Sovereign’s President in all aspects of the company's management which includes reinsurance strategies and procurement, strategic planning and forecasting, client and broker relationships, and the formulation and implementation of underwriting strategies.

Prior to joining Sovereign, Natalie worked at the Bank of Bermuda (now HSBC) in Bermuda, Luxembourg, and New York where she managed top client relationships for the Global Fund Services Division. Natalie has a BA in History from Brown University in Rhode Island, USA and speaks French.

John Henderson

John G. Henderson
Vice President & Counsel

Email: john.henderson@chubb.com

John joined Sovereign’s Bermuda-based team in late 2016. He has over 25 years of experience in political risk insurance and cross-border finance, most recently at the Multilateral Investment Guarantee Agency (MIGA), the political risk and credit insurance arm of the World Bank. He is a seasoned negotiator with well-developed credit skills, having represented lenders and political risk insurers on dozens of large restructurings, workouts, and bankruptcies. He has expertise structuring, negotiating, drafting and closing complex credit and political risk cover for large commercial banks and private equity firms.

John began his career in the Office of the General Counsel at the Export-Import Bank of the United States working on cross-border aircraft and project finance transactions. After six years, he was named an Assistant General Counsel, and in 1998 he moved into a commercial role serving as Managing Director for US Ex-Im Bank’s $7 billion portfolio of restructurings and workouts in Southeast Asia following the Asian financial crisis.

In 2000, John accepted a partnership at a Washington, D.C. law firm representing finance companies, commercial banks, and international political risk insurers on a variety of export finance, ship finance and syndicated debt financings. In 2006 he joined Oxford Finance LLC, a specialty finance company, as Vice President & General Counsel.

John graduated from Lake Forest College with a B.A. in political science and obtained his J.D. from the Washington College of Law at American University in Washington, D.C. He is admitted to practice in Washington, D.C. and the Commonwealth of Virginia.



Barker C. Keith

Barker C. Keith
General Counsel & Senior Political Risk Underwriter

Email: barker.keith@chubb.com

Barker joined Sovereign in 2002 and is responsible for all aspects of Sovereign's legal work. Additionally, he manages a number of underwriting relationships with key clients.

Barker joined Sovereign from Shearman & Sterling where he practiced corporate and securities law in their New York, Hong Kong and Abu Dhabi offices. While at Shearman & Sterling, Barker represented U.S. and foreign corporations and financial institutions in a variety of cross-border project finance, capital markets and restructuring transactions. Prior to becoming an attorney, Barker was an active duty officer in the U.S. Army.

Barker received his B.A. in International Studies from American University, a M.A. in International Relations from Fletcher School of Law and Diplomacy, a J.D. from Syracuse University College of Law and an Executive LL.M. in Tax Law from New York University School of Law. Barker grew up in Venezuela and speaks fluent Spanish.

Christina Westholm-Schröder

Christina Westholm-Schröder
Vice President & Chief Underwriting Officer

Email: christina.westholm-schroder@chubb.com

Christina is responsible for all aspects of Sovereign's transactional underwriting, with particular focus on capital markets and financial institution business. Christina is also relationship manager for a number of Sovereign's ECA and Multilateral Agency clients. Christina has worked in the political risk field for more than 20 years. Prior to joining Sovereign, she was with the Multilateral Investment Guarantee Agency (MIGA) for 11 years.

She joined MIGA as one of its first employees in 1988 and worked in several capacities, including Regional Manager for Asia and Latin America and most recently as Manager for Syndications and Business Development. In this capacity, she was also responsible for the Agency's re- and co-insurance activities. Prior to MIGA, Christina worked as a political risk insurance broker 
in the Bank of America's Global Trade Finance Department in New York and as Manager in the Political Risk Department at AB Max Matthiessen in Stockholm, Sweden. Christina has an MBA in international business from Stockholm School of Economics and Business Administration and an MBA in finance from New York University.

Sophie Demeyer

Sophie Demeyer
Vice President & Senior Underwriting Officer

Email: sophie.demeyer@chubb.com

Sophie joined the Sovereign team in Bermuda in October 2008. She moved to London in January 2013 to join ACE Bermuda International as Political Risk Manager. In addition to representing Sovereign in London at client, broker and other marketing meetings and events, Sophie continues to provide support with respect to the underwriting of transactions for banks and trading companies, focusing on the trade, export finance and project finance areas.

Sophie comes to Sovereign from a 13-year career in banking, including seven years as a Senior Manager in Fortis Bank's Global Export and Project Finance group in Brussels. In this role, Sophie was involved in the structuring of project finance deals and buyer credits in emerging markets with political risk coverage provided by multilaterals, ECAs and the private insurance market.

Sophie has a Law Degree and a Postgraduate Degree in International Relations from the University of Leuven in Belgium, as well as a Masters of Law Degree from the University of London, King's College. She is fluent in French, English and Dutch.

Allison Petty

Allison Petty
Assistant Vice President & Assistant Underwriter

Email: allison.petty@chubb.com

Allison joined Sovereign in August 2008. She assists the underwriting and legal teams with country research and analysis; and manages our global portfolio and country exposures.

Before joining Sovereign, Allison worked for four years at Security Capital Assurance (SCA) in their Investor Relations Department. The Department assisted SCA’s new business department by helping build out SCA’s fixed income investor platform both domestically and internationally.

Helen Rebello

Helen Rebello

Email: helen.rebello@chubb.com

Helen is the controller for Sovereign, with responsibility for all financial reporting requirements; receivables and payables; budgeting and forecasting; and personnel management.

Before joining Sovereign, Helen was employed by ACE Bermuda Insurance Ltd for over seven years, where she was a Vice President in the Accounts department. Prior to ACE, she was a supervisor at Ernst and Young where she was responsible for a large portfolio of insurance and investment clients.

Helen is a Chartered Professional Accountant and is a member of the Chartered Professional Accountants of Bermuda.


Richard Voaden

Richard Voaden
Research Analyst

Email: richard.voaden@chubb.com

Richard joined Sovereign in 2014. He is currently responsible for supporting the Underwriting and Legal Teams with country research and political risk analysis. Richard also manages Sovereign’s Global Portfolio and Country Exposure Profiles.

Richard graduated with a first-class degree in Political Science from the University of Birmingham in 2014. Whilst at University, he completed two years of ACE Bermuda’s Summer Internship Programme.


Melanie Claude

Melanie Claude
Operations Manager

Email: melanie.claude@chubb.com

Melanie has returned to Sovereign after living in Canada for 5 years. She formerly worked as Sovereign’s Office Manager and has now taken the position of Assistant Underwriter. Her main responsibilities are to assist the underwriting, accounting and legal teams with administrative support.

Prior to Sovereign, she worked for several years as an Administrative Manager for Texaco Inc. She also has a strong background in the Health & Fitness field and has represented Bermuda in prestigious cycling events; including the female’s Tour de France, Commonwealth Games, and World B Cycling Championships.


Matthew Rego

Matthew Rego
Analyst & Assistant Underwriter

Email: matthew.rego@chubb.com

Matthew Rego is Sovereign’s Assistant Underwriter and Analyst.  He supports and works alongside senior underwriters with new and existing transactions, deal review and underwriting, country risk assessment, analysis of sovereign debt dynamics and macroeconomic forecasts, and sub-sovereign credit review. In addition, he is responsible for overseeing the tracking of Sovereign’s obligor and country exposures and maintains critical database tools used to make underwriting decisions. Matthew has worked extensively on developing an exposure tracking system that is now the cornerstone of Sovereign's reporting and portfolio analysis capabilities. On the underwriting side he is working to build up a new client base, while co-underwriting deals with senior members of the team. Matthew has also been closely involved in the firm’s Private Equity and new client development underwriting initiative.

Matthew has a B.A. in International Relations from James Madison University, as well as a graduate training in International Trade Finance from Middlesex University in the U.K.  Matthew is now located in London.   


Justin Willmott

Justin Willmott
VP Underwriter

Email: justin.willmott@chubb.com

Justin Willmott joined the underwriting team at Sovereign in 2014, and is based in Bermuda. He focuses on both traditional political risk and sovereign credit transactions, as well as a number of new product development initiatives.

Justin has spent most of his career within the financial markets, working as an investment analyst, advisor and portfolio manager. His primary specialisation is private equity, although he has also advised and managed capital in the public equity, real estate, debt and commodity asset classes.

Justin joined Sovereign having co-founded an aquatic resources focused private equity and corporate finance advisory firm, Oceanis Partners Limited. Prior to Oceanis, he co-managed an emerging markets private equity portfolio for the Dubai headquartered Legatum Group, a multi-billion dollar principal investment group funded by one of the world’s most successful emerging market investors. Justin joined Legatum from Morgan Stanley where he advised Gulf based family offices and institutions, transacting across all major asset classes and markets. Prior to Morgan Stanley, he worked for a branch of the Saudi Arabian royal family and was based sequentially in Saudi Arabia, Switzerland and the US.

Justin completed an MBA in finance at the Said Business School, University of Oxford, where he was awarded the Roland Berger Prize. He graduated from the University of Durham in 1999, earning a BSc. degree in the Natural Sciences. Justin speaks French, as well as basic Arabic and German.