Headquarters:

2950 West Cypress Creek Road, Suite 302, Fort Lauderdale, FL 33309

Year founded:

2020

Number of employees:

7,100+

Phone:

+12244363621

Email:

Vikram.Talwar@gomoder.com

Website:

gomoder.com

LinkedIn:

linkedin.com/company/gomoder

“We prioritise embracing cutting-edge technologies, creative problem solving and continuous improvement to enhance our premium funding solutions and provide exceptional value to our clients”

Vikram Talwar

EVP, General Manager – Insurance

Chris Frankland

Principal Consultant, Senior Director Insurance Practice

Amit Juneja

SVP, Head of Technology Sales

Leadership

With over 30 years of global leadership experience, Vikram Talwar is a global executive leader with deep expertise in building, scaling, and transforming complex organizations. He brings a strong client-first mindset, leads high-performing teams, and drives disciplined growth as he expands Moder’s Insurance business, delivering long-term value across global markets.

EVP, General Manager – Insurance

Vikram Talwar

With over 20 years of global insurance and insurtech leadership experience, Chris Frankland is a globally recognized leader in insurance innovation and digital transformation. He brings deep expertise in reimagining operating models across carriers, agencies, MGAs, and brokers. With a strong client-first mindset, he helps organizations unify people, process, technology, and data to build scalable, high-performance systems. He is also a sought-after keynote speaker and advisor who drives measurable growth, operational excellence, and future-ready strategies across diverse global markets.

Principal Consultant, Senior Director Insurance Practice

Chris Frankland

Amit Juneja is an accomplished leader with nearly three decades of experience in managing complex technology accounts and delivering transformative solutions. His expertise spans engineering, delivery excellence, and strategic sales, driving growth, innovation, and customer value across Moder.

SVP, Head of Technology Sales

Amit Juneja

BRETT BASTOW, IQUMULATE PREMIUM FUNDINGs

Leadership

Anesh Korla

EVP, Chief Technology Delivery Officer

Anish Korla has extensive experience in technology and product engineering services. He has an outstanding track record in driving client value, leading large global teams, managing complex projects, and delivering significant business growth. Previously, he was EVP and COO (India) at Encora.

EVP, Chief Technology Delivery Officer

Anesh Korla

Cristi Carrington

Chief Distribution Officer

Cristi Carrington has worked in the insurance industry for nearly 30 years and is the point person for Brown & Riding’s carrier relationships. She manages the underwriting division and has developed many specialized programs for the company during her tenure, including a Habitational program, DIC, MPL, All Risk, including Wind & Earthquake, and a nationwide risk purchasing group for a top 40 nationally ranked retailer. Carrington currently serves on WSIA’s Board of Directors and is also the organization’s PAC committee co-chair. She also serves as president of the Surplus Line Association of Washington.

Chief Distribution Officer

Cristi Carrington

Stevens & Associates Lawyers is a leading and trusted employment law firm based in Sydney known for delivering high-quality legal expertise in the area of employment law and industrial relations across Australia, alongside a proven track record of effectively and swiftly resolving a variety of workplace law issues. In the past year, the firm’s growth has been notable. It has: • experienced a 213% growth in the number of client matters, increasing from 149 client matters in the 2022 financial year to 390 client matters in the 2023 financial year • improved its online visibility, leading to over 50 online enquiries each month and a conversion rate of client leads of up to 40% • significantly expanded the breadth and type of matters that it advises on day to day, which has increased the firm’s skillsets, diversity and resilience • expanded its community outreach by collaborating with local Sydney venues for client seminars and continuing active participation in a Sydney small/family business group Stevens & Associates Lawyers has adapted to digital trends by implementing an effective strategy with SEO and web design, resulting in a structural shift that has seen increased representation of employees where the firm previously mainly advised employers. The firm’s recognition as a “Fast Firm” attests to its momentum in the employment law space.

“IQumulate is on a technology journey, and we’re just getting started”

Wayne Tower, IQumulate Premium Funding

Christopher Welty, PHR, SHRM-CP

Chief Human Resources Officer

Elizabeth Bounds

General Counsel

Nealy Farshadi

Principal, Strategic Client Relations

Pam Chhabra

Manager – Residential Strata

Christopher Welty joined Brown & Riding in 2007 as an HR assistant and swiftly advanced within the company. His dedication and talent led to a series of promotions, culminating in his appointment as the firm’s CHRO in 2019. During his tenure, Welty has seen B&R more than quadruple in growth. He helped successfully integrate the company through two mergers and has been a strong advocate for many of the company’s important benefit plan enhancements. He excels at collaboration and has been a key contributor in establishing and promoting the company’s culture and offering programs and opportunities to help employees.

Chief Human Resources Officer

Christopher Welty, PHR, SHRM-CP

Elizabeth Bounds oversees Brown & Riding’s legal, risk management, and claims departments. As the company’s chief legal resource, she reviews and negotiates corporate contracts and manages the firm’s litigation, internal legal resources, and relationships with outside counsel. She also works closely with B&R’s senior management in developing overall risk management strategies for the firm and is directly accountable to the Board of Directors for implementing risk control measures and for the facilitation and oversight of corporate liability insurance placements. In the claims department, she takes an especially active role in policy interpretation and client claims advocacy.

General Counsel

Elizabeth Bounds

Nealy Farshadi is instrumental in helping strengthen and grow Brown & Riding’s client relationships. She maintains and improves quality procedures, oversees B&R’s ISO certification, and manages the firm’s client feedback program. Her contributions enable the executive management team to act on client input effectively. As a result, B&R’s client feedback scores greatly exceed the average and continue to improve each year. Farshadi also supports and furthers the growth of B&R and its employees by contributing to professional development within the organization and being a resource to staff.

Principal, Strategic Client Relations

Nealy Farshadi

Stephen McMillan first entered the financial services Industry when he joined GE Capital as a finance analyst in 2008, from which he progressed through roles working both onshore and offshore. From there, he moved into Pacific Premium Funding as a financial planning and analysis leader in 2012 and was a key resource in the evolution of the business, first with the successful sale to Macquarie Pacific Funding and then the following progression into IQumulate Premium Funding, where he is now the commercial manager. As commercial manager, McMillan leads a team that is responsible for commercial analysis and business support, identifying and reporting improvement initiatives, and the securitization and treasury functions of the business.

Commercial Manager

Stephen McMillan

One culmination of these efforts has been the real-world, needs-based IQEdge solution. A one-stop online quoting tool designed for both the Australian and New Zealand markets, IQEdge delivers quotes in under 60 seconds. Plus, the solution offers quote comparison and quote versioning capabilities, enabling users to review vital historical and financial data in a single page view. IQEdge can streamline and automate application processing, underwriting document verification and payment collection, cutting the need for manual labour and minimising processing errors. A digital “self-service” platform, IQEdge, reduces the need for customer and administrative support. Meanwhile, borrowers can access their accounts, make payments and manage their policies independently and through sales and support teams, which are always available for further assistance. “We’ve created a quality platform that simplifies the quoting process yet amplifies the customer experience,” says Gordon. “It’s a real game changer.” IQumulate offers an online digital quoting tool to clients. The best-in-market solution enables IQumulate to tailor funding offerings to brokers that align with their prefered distribution channel.

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Broker's Pick – Personal Accident and Illness Insurance

Turnaround time – claims

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BDM support

Turnaround time – claims

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Brokers’ Pick

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What does IQumulate have in mind for the future? “IQumulate is on a technology journey, and we’re just getting started,” says Wayne Tower, CEO. “Through continuous engagement with our clients, partners, marketplace and industry, we will listen to the needs as they arise and position our business to be agile and respond to changes as they occur. “Faster decision-making innovations such as AI-powered decision support systems can expedite the underwriting and approval process, leading to quicker responses to clients. This can improve client satisfaction and potentially attract more business, creating a competitive advantage with the potential to allow IQumulate to command premium pricing or capture a larger market share. “As forward-thinkers with a digital and ‘do it better’ mindset, we collectively and proactively look to learn and improve on our customer experience for our clients, paving the way for successful business outcomes for our clients and our business in the coming years ahead. “We’re excited for the future and look forward to what’s on the horizon.”

Adam Basaldella

Manager – Claims

Product Manager

Claire Watson

Commercial Manager

Stephen McMillan

Claire Watson

Product Manager

Claire Watson

Product Manager

Claire Watson

“If we focus on our talent, then we know our clients will feel the RPS difference and choose us as their first call every time”

Adam Mazan, Risk Placement Services

“We don’t force solutions. We partner with customers to solve problems. It sounds cliché, but retention and repeat business prove it”

Vikram Talwar, Moder

Ivan Verescuk

Chief Executive Officer and Managing Director

Shaun O’Brien

Head of Underwriting

Emily Walker

Head of Strata and Development

Rex Oakman

Head of Operations and Risk

Sandy Newton

Head of Underwriting

Andrew Mitchell

Manager – NSW

Michael Prokopis

Manager – Southern Region

Pam Chhabra

Manager – Residential Strata

Jeffrey Valdivia

Manager – Commercial Strata

Adam Basaldella

Manager – Claims

With over 7,000 employees serving a pool of 70 global clients, Moder is something of a giant in the mortgage and financial services space. Renowned for its highly experienced people all working toward one strategic goal – to help their customers achieve real success – Moder has grown exponentially over the past five years. And, as Vikram Talwar, leader of Moder’s Global Insurance Business arm, tells Insurance Business, the firm has no plans to stop here. “Historically, if you look at our people profile, everybody comes with two-plus decades of experience in their space,” explains Talwar. “And that’s really the DNA of our company. We’re industry veterans and champions who have been doing this for decades, and, therefore, we understand the industry. “We understand the pain areas, we’ve seen the industry go through the good and the bad, we’ve sailed through it and helped organizations and our customers succeed. That is the core of why we exist and why we’ve been so successful in such a short time.” As today’s financial markets evolve at lightning speed, clients need a strategic partner who truly gets it. Moder is exactly that partner. “At Moder, we don’t just understand these complexities; we bring the insight and expertise needed to help you navigate them seamlessly,” adds Talwar.

Moder is expanding with a new center in the Philippines’ Alabang business district, cementing its status as a global company with an international presence for a growing client base. “One of our biggest recent milestones was getting our first non-mortgage client,” says Talwar. “That was really big for us. We have made that success in the non-mortgage space predominantly because of who we are and what we’re about. I’ve always heard my business leaders talk about the fact that our customers, once they work with us, continue to want to work more with us – primarily because we don’t just sell and move on.” At Moder, the team acts like a strategic partner, helping customers at every step of the journey. And that’s something you really can’t put a price tag on. “To reach 70 customers in just five years really tells you something – that in this industry, word-of-mouth matters,” adds Talwar. “The proof is in the results. We don’t have a high churn rate, even in volatile industries like mortgage where volumes fluctuate dramatically. “We don’t force solutions. We partner with customers to solve problems. It sounds cliché, but retention and repeat business prove it,” says Talwar. “Mortgage and insurance are both risk-based industries. In mortgage, you assess borrower risk. In insurance, you assess asset or policyholder risk. The underlying logic is similar – underwriting risk. The talent required is similar so as we grow insurance, we’re leveraging existing infrastructure – talent, financial process knowledge, AI capabilities – while building out insurance leadership. I currently have around 150 years of cumulative experience across my team and will grow that to 500–600 years.”

Product Overview

Discover how the HR professionals use Xoxoday to enhance employee engagement, streamline rewards, and build high-performing workplace cultures. A little “xoxo” goes a long way—at least, that’s the idea behind Xoxoday. From gift cards and bonuses to engagement surveys and sales incentives, this platform promises to make recognition feel more personal. In this Xoxoday review, we’ll go over the platform’s main features with a focus on its HR products. We’ll discuss how Xoxoday works, look at its after sales and customer support, and explore what makes it stand out. We’ll also include an anecdote on how Xoxoday got its name!

Key features and capabilities

Xoxoday Plum serves as an employee rewards program that businesses can easily integrate with their existing software, allowing for seamless implementation. It allows for points to be shared in ways like points, links, or codes. The points system is the most common option. Plum offers over 10 million rewards points across categories: gift cards merchandise flights and hotel donations experiences You’ll have a variety of options when sending rewards, including email, SMS, and WhatsApp. You and your team can get reports about how the rewards program is doing. These reports can be delivered via emails or the Xoxoday Plum dashboard.

Integrations

The entire Xoxoday platform offers integration with over 250 systems. Here are a few of these integrations, categorized according to Xoxoday service/offering: Plum ADP Darwinbox UKG Pro Workday Zoho People Empuls BambooHR Keka Microsoft Teams SAP SuccessFactors Slack CompassThe Compass platform has over 85 integrations - here are some of them: ERP Dynamics 365 Epicor NetSuite Oracle Sage Intacct HRMS ADP BambooHR Darwinbox UKG Pro Workday Accounting and finance ADP bill.com Oracle Paychex Xero Visit the Xoxoday website for a complete list of integrations. For more products in HR, visit Special Reports page.

Xoxoday offers five products: Loyalife, to support customer loyalty programs Loopr, an offer management software for offers, promos, and discounts Plum, a rewards and incentive platform for different audiences Empuls, an employee engagement platform Compass, a tool for managing and automating sales commissions In this review, we’ll focus on three platforms that are most relevant to HR professionals: Plum, Empuls, and Compass. The platform works with over 250 integrations and is available in over 175 countries. Xoxoday can be accessed online or via mobile app. Xoxoday is also one of HRD’s top employee rewards programs.

How your product works

After sales and customer services

Each of the platforms has a Help Center and FAQs section on the Xoxoday website. We looked at the Plum Help Center; it is thorough and easy to read, categorized into sections and subsections. There’s a search box at the top of the page, so finding information should be quick and straightforward. The FAQs section is also broken up per platform, with search options for topics relating to admin or user. Xoxoday’s Support also includes an email address if the Help Center or FAQs don’t have the answers you’re looking for. They respond to customer inquiries within 8 business hours.

danica@contactus.com

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SVP, Head of Technology Sales

Amit Juneja