Meet the minds behind C-WAD
We are a diverse group of experts committed to delivering excellence in insurance, risk management, and business consulting.

Michael Kuti-George
Rev. Michael Winston Kuti-George is an insurance and reinsurance specialist with more than twenty-one years of leadership experience spanning West Africa and the United Kingdom. As Founder and Chief Executive Officer of C-WAD Consultancy, he combines deep technical expertise in reinsurance underwriting, claims management, policy development, and risk strategy with senior executive experience gained across broking, underwriting, and technical management roles. His blend of market knowledge, regulatory discipline, and strategic leadership positions C-WAD to deliver world-class insurance and business advisory solutions across the region.

Technical
Bintou Jobe Sanyang
Risk Management Consultant
Dr Bintou Jobe Sanyang brings to C‑WAD Consultancy a powerful blend of frontline insurance underwriting experience, health and safety science expertise and academic rigour, enabling her to deliver practical, evidence‑based risk management solutions tailored to clients’ needs. With a proven track record in workplace evaluation and control, risk assessment, policy development, compliance support and stakeholder negotiation, she combines strong data‑analysis and project‑management skills with effective training and mentoring to strengthen safety culture, reduce organisational exposure and ensure regulatory resilience. Her background in market research and higher education further enhances C‑WAD’s capability to provide clear communication, bespoke advisory services and measurable improvements in operational safety and risk performance.

Technical
Esther Herman-Smith
Underwriter
Esther Salma Herman-Smith is a dedicated insurance and underwriting professional at C-WAD Consultancy with hands-on experience in risk assessment, policy design, and claims oversight. She combines technical underwriting expertise with a client-first approach to deliver tailored, pragmatic insurance solutions.

Operations
Rosetta Esther Hazeley
HR Manager (Consultant)
Rosetta Esther Hazeley is an HR and operations consultant with more than fourteen years of experience across UN agencies, international NGOs, and programme delivery environments. She brings practical strength in human resource coordination, budgeting, monitoring and evaluation, stakeholder engagement, and operational execution, helping organisations build disciplined teams and dependable delivery systems.

Marketing
Sanna Sanneh
Digital Marketing Strategist
Sanna Sanneh is a digital marketing strategist and web designer focused on turning brand visibility into measurable growth. With more than six years of experience across startups, non-profits, e-commerce, and technology-led teams, he brings strength in SEO, social media strategy, funnel design, conversion optimisation, and marketing automation to help clients build stronger demand engines.
Operations
ABDUL MALICK SESAY
Regional Director