CINXE.COM

Finance and Process Transformation - WTW

<!-- WTW START --> <!DOCTYPE html> <html xmlns="https://www.w3.org/1999/xhtml" lang='en-AU' xml:lang='en-AU'> <head> <!-- OneTrust Cookies Consent Notice start for wtwco.com --> <script src="https://cdn.cookielaw.org/scripttemplates/otSDKStub.js" type="text/javascript" charset="UTF-8" data-domain-script="f547107a-3552-4382-94d8-cf2455c79bf1"></script> <script type="text/javascript"> function OptanonWrapper() { } </script> <!-- OneTrust Cookies Consent Notice end for wtwco.com --> <!-- Google Tag Manager --> <script> window.dataLayer = window.dataLayer || []; (function (w, d, s, l, i) { w[l] = w[l] || []; w[l].push({ 'gtm.start': new Date().getTime(), event: 'gtm.js' }); var f = d.getElementsByTagName(s)[0], j = d.createElement(s), dl = l != 'dataLayer' ? '&l=' + l : ''; j.async = true; j.src = 'https://www.googletagmanager.com/gtm.js?id=' + i + dl; f.parentNode.insertBefore(j, f); })( window, document, 'script', 'dataLayer', 'GTM-M7MKB8C8' ); </script> <!-- End Google Tag Manager --> <meta charset="utf-8" /> <meta name="viewport" content="width=device-width, initial-scale=1.0" /> <!-- WTW END --> <title>Finance and Process Transformation - WTW</title> <!-- WTW START --> <meta name="description" content="In an industry facing multiple disruptive forces — including technological, regulatory and competitive pressures — rethinking business and financial systems, and how they interconnect, can help insurers reduce costs, report more quickly and derive more business value from their data." /> <meta name="twitter:card" content="summary_large_image" /> <meta property="og:title" content="Finance and Process Transformation" /> <meta property="og:description" content="In an industry facing multiple disruptive forces — including technological, regulatory and competitive pressures — rethinking business and financial systems, and how they interconnect, can help insurers reduce costs, report more quickly and derive more business value from their data." /> <meta property="og:type" content="website" /> <meta property="og:image" content="https://media.wtwco.com/-/media/WTW/Social/custom/content-hubs-and-trending-topics/wtw-1024x512_812259756.jpg?modified=20190605195304&amp;imgeng=meta_true" /> <meta property="og:site_name" content="WTW" /> <meta property="og:url" content="https://www.wtwco.com/en-au/insights/campaigns/finance-and-process-transformation" /> <meta property="og:locale" content="en-AU" /> <meta name="VIcurrentDateTime" content="638683285327494320" /> <meta name="VirtualFolder" content="/" /> <script type="text/javascript" src="/layouts/system/VisitorIdentification.js"></script> <link rel="preconnect" href="//media.wtwco.com" crossorigin> <link rel="icon" href="/favicon.ico"> <link href="https://www.wtwco.com/-/media/Feature/Resources/CSS-Files/main.css?modified=20241030170359&amp;v=2.0.0.0" rel="stylesheet" type="text/css" /> </head> <!-- WTW END --> <!-- WTW START --> <body data-spy="scroll" data-target="#jump-nav-scroll-target" data-offset="120"> <!-- WTW END --> <!-- Google Tag Manager (noscript) --> <noscript><iframe sandbox src="https://www.googletagmanager.com/ns.html?id=GTM-M7MKB8C8" height="0" width="0" style="display:none;visibility:hidden"></iframe></noscript> <!-- End Google Tag Manager (noscript) --> <a href="#main-content" aria-label="Skip to main content" class="sr-only skip-nav">Skip to main content</a> <div id="get-current-breakpoint"> <div id="xs"></div> <div id="sm" class="d-none d-sm-block"></div> <div id="md" class="d-none d-md-block"></div> <div id="lg" class="d-none d-lg-block"></div> <div id="xl" class="d-none d-xl-block"></div> </div> <div class="site-nav"> <div class="d-none d-md-flex w-100 justify-content-between site-nav__utility"> <!--Country Selector--> <nav aria-label="Location Selector"> <button type="button" aria-expanded="false" aria-controls="country-selector" class="font-p font-p-small site-nav__utility-btn" data-menu="country-selector--is-visible" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Country Selector Open" data-cdlabel="Country Selector Open" data-cilabel="/sitecore/content/WTW/insights/2024/10/2025-global-medical-trends-survey" aria-label="Expand/collapse to choose your location and preferred language. Current location and language selection is Australia English"> <span class="material-symbols-outlined" aria-hidden="true">language</span> <strong>AU</strong> | EN <span class="material-symbols-outlined" aria-hidden="true">expand_more</span> </button> </nav> <!--Utility Nav Desktop--> <nav class="site-nav__utility-links-container" aria-label="Featured Links"> <ul class="list-inline"> <li class="list-inline-item"> <a href="https://www.wtwco.com/en-au/news/all-news" data-cdlabel="News" onclick="linkClick(this);" data-selabel="Utility Nav" class="font-p-small site-nav__utility-link" data-cilabel="/sitecore/content/WTW/news/all-news" data-ewlabel="Utility Nav" data-etlabel="header_navigation" >News</a> </li> <li class="list-inline-item"> <a href="https://investors.wtwco.com" data-cdlabel="Investor Relations" rel="noopener noreferrer" onclick="linkClick(this);" data-selabel="Utility Nav" class="font-p-small site-nav__utility-link" data-cilabel="https://investors.wtwco.com" data-ewlabel="Utility Nav" data-etlabel="header_navigation" target="_blank" >Investor Relations</a> </li> <li class="list-inline-item"> <a href="https://careers.wtwco.com" data-cdlabel="Careers" rel="noopener noreferrer" onclick="linkClick(this);" data-selabel="Utility Nav" class="font-p-small site-nav__utility-link" data-cilabel="https://careers.wtwco.com" data-ewlabel="Utility Nav" data-etlabel="header_navigation" target="_blank" >Careers</a> </li> </ul> </nav> </div> <!--Main Navigation--> <div class="d-flex justify-content-between align-items-stretch site-nav__main"> <!--Menu button--> <button class="btn btn-lg site-nav__btn site-nav__btn--menu" data-menu="menu-is-open" aria-expanded="false" aria-controls="site-menu" id="site-nav-toggle-btn" onclick="mainNavClick(this,0)" data-elabel="Menu aria-label="Main Navigation; Click to expand/collapse menu"> <span class="site-nav__btn__icon"> <span class="material-symbols-outlined" aria-hidden="true">menu</span> <span class="material-symbols-outlined" aria-hidden="true">close</span> </span> <span class="site-nav__btn__label d-none d-md-block"> Menu </span> </button> <!--Navigation Menu--> <nav class="site-menu navbar navbar-expand-md p-0" aria-label="Main Menu" id="site-menu"> <div data-menu-overlay class="site-menu__overlay"></div> <ul class="primary-menu col-lg-4 px-0 menu-panel-py" role="menubar"> <li class="nav-item dropdown" role="none"> <button type="button" class="btn dropdown-toggle menu-item menu-panel-px mt-0" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" role="menuitem" id="about-us-menu" onclick="mainNavClick(this, 1)" data-elabel="About Us"> <span class="menu-item__heading heading-4 underline-on-hover">About Us<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </button> <!-- Nested Secondary Menu --> <div class="dropdown-menu secondary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> About Us </button> <ul class="secondary-menu-list px-0 menu-panel-py h-100" aria-labelledby="about-us-menu" role="menu"> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-au/about-us/overview" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Overview" data-image="https://media.wtwco.com/-/media/WTW/Navigation/GettyImages-655058143-Overview-navpanel.jpg?modified=20220707135339&amp;imgeng=meta_true"> Overview </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-au/about-us/our-leadership" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Our Leadership" data-image="https://media.wtwco.com/-/media/WTW/Navigation/GettyImages-1341193833-Our-Leadership-navpanel.jpg?modified=20220707135236&amp;imgeng=meta_true"> Our Leadership </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-au/about-us/our-history" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Our History" data-image="https://media.wtwco.com/-/media/WTW/Navigation/GettyImages-82832015-Our-History-navpanel.jpg?modified=20220707135407&amp;imgeng=meta_true"> Our History </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-au/about-us/sustainability" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Sustainability" data-image="https://media.wtwco.com/-/media/WTW/Navigation/GettyImages-506460039-ESG-navpanel.jpg?modified=20220707135306&amp;imgeng=meta_true"> Sustainability </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-au/about-us/inclusion-and-diversity" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Inclusion and Diversity" data-image="https://media.wtwco.com/-/media/WTW/Navigation/GettyImages-8517640-Inclusion-and-Diversity-navpanel.jpg?modified=20220707135441&amp;imgeng=meta_true"> Inclusion and Diversity </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-au/about-us/inclusion-and-diversity-in-action" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Inclusion and Diversity in Action" data-image="https://media.wtwco.com/-/media/WTW/Navigation/Getty-Images-1248528013-ID-in-action-hover-image-960x1824px.jpg?modified=20240103153828&amp;imgeng=meta_true"> Inclusion and Diversity in Action </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-au/about-us/reconciliation-action-plan" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Reconciliation Action Plan" data-image="https://media.wtwco.com/-/media/WTW/Navigation/rap-nav-image.jpg?modified=20210414192507&amp;imgeng=meta_true"> Reconciliation Action Plan </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-au/about-us/awards-recognition" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Awards and Recognition" data-image="https://media.wtwco.com/-/media/WTW/Navigation/GettyImages-986484412-Awards-and-recognition-navpanel.jpg?modified=20220707135514&amp;imgeng=meta_true"> Awards and Recognition </a> </div> </li> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-au/about-us/office-locations" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="Office Locations" data-image="https://media.wtwco.com/-/media/WTW/Navigation/GettyImages-1096081938-office-locations-navpanel.jpg?modified=20220707135038&amp;imgeng=meta_true"> Office Locations </a> </div> </li> </ul> </div> </li> <li class="nav-item dropdown" role="none"> <button type="button" class="btn dropdown-toggle menu-item menu-panel-px mt-0" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" role="menuitem" id="solutions-menu" onclick="mainNavClick(this, 1)" data-elabel="Solutions"> <span class="menu-item__heading heading-4 underline-on-hover">Solutions<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </button> <!-- Nested Secondary Menu --> <div class="dropdown-menu secondary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> Solutions </button> <ul class="secondary-menu-list px-0 menu-panel-py h-100" aria-labelledby="solutions-menu" role="menu"> <li role="none"> <a href="#" class="menu-item mt-0 dropdown-toggle dropdown-item" role="menuitem" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" id="solutions-people-menu" onclick="mainNavClick(this, 2)" data-elabel="People"> <div class="menu-panel-px"> <span class="menu-item__heading heading-4 underline-on-hover"> People<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </div> <p class="menu-item__description menu-panel-px font-p-small">From determining how work gets done and how it’s valued to improving the health and financial wellbeing of your workforce, we add perspective.</p> </a> <!-- Nested Tertiary Menu --> <div class="dropdown-menu tertiary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> People </button> <ul class="tertiary-menu-list px-0 menu-panel-py" role="menu" aria-labelledby="solutions-people-menu"> <li class="menu-panel-px mb-5"> <a href="https://www.wtwco.com/en-au/people" class="arrow-link align-items-center dropdown-item" onclick="mainNavClick(this,3)" data-elabel="View all"> <span class="mb-0">View all</span> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/career-analysis-and-design" onclick="mainNavClick(this,3)" data-elabel="Career Analysis and Design" role="menuitem">Career Analysis and Design</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/climate-risk" onclick="mainNavClick(this,3)" data-elabel="Climate Risk" role="menuitem">Climate Risk</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/compensation-strategy-and-design" onclick="mainNavClick(this,3)" data-elabel="Compensation Strategy and Design" role="menuitem">Compensation Strategy and Design</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/cyber-risk-management-and-insurance" onclick="mainNavClick(this,3)" data-elabel="Cyber Risk Management and Insurance" role="menuitem">Cyber Risk Management and Insurance</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/diversity-equity-inclusion" onclick="mainNavClick(this,3)" data-elabel="Diversity, Equity and Inclusion" role="menuitem">Diversity, Equity and Inclusion</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/employee-experience" onclick="mainNavClick(this,3)" data-elabel="Employee Experience" role="menuitem">Employee Experience</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/employee-financial-resilience" onclick="mainNavClick(this,3)" data-elabel="Employee Financial Resilience" role="menuitem">Employee Financial Resilience</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/esg-and-sustainability" onclick="mainNavClick(this,3)" data-elabel="ESG and Sustainability" role="menuitem">ESG and Sustainability</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/executive-compensation" onclick="mainNavClick(this,3)" data-elabel="Executive Compensation and Board Advisory" role="menuitem">Executive Compensation and Board Advisory</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/global-benefits-management" onclick="mainNavClick(this,3)" data-elabel="Global Benefits Management" role="menuitem">Global Benefits Management</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/health-and-benefits" onclick="mainNavClick(this,3)" data-elabel="Health and Benefits" role="menuitem">Health and Benefits</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/investments" onclick="mainNavClick(this,3)" data-elabel="Investments" role="menuitem">Investments</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/mergers-and-acquisitions" onclick="mainNavClick(this,3)" data-elabel="Mergers and Acquisitions" role="menuitem">Mergers and Acquisitions</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/pay-equity-and-pay-transparency" onclick="mainNavClick(this,3)" data-elabel="Pay Equity and Pay Transparency" role="menuitem">Pay Equity and Pay Transparency</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/retirement" onclick="mainNavClick(this,3)" data-elabel="Retirement" role="menuitem">Retirement</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/total-rewards" onclick="mainNavClick(this,3)" data-elabel="Total Rewards" role="menuitem">Total Rewards</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/wellbeing" onclick="mainNavClick(this,3)" data-elabel="Wellbeing" role="menuitem">Wellbeing</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/work-transformation" onclick="mainNavClick(this,3)" data-elabel="Work Transformation" role="menuitem">Work Transformation</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/workplace-risk" onclick="mainNavClick(this,3)" data-elabel="Workplace Risk" role="menuitem">Workplace Risk</a> </li> </ul> </div> </li> <li role="none"> <a href="#" class="menu-item mt-0 dropdown-toggle dropdown-item" role="menuitem" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" id="solutions-risk-menu" onclick="mainNavClick(this, 2)" data-elabel="Risk"> <div class="menu-panel-px"> <span class="menu-item__heading heading-4 underline-on-hover"> Risk<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </div> <p class="menu-item__description menu-panel-px font-p-small">Your ability to manage risk is key to your thriving in an uncertain world.</p> </a> <!-- Nested Tertiary Menu --> <div class="dropdown-menu tertiary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> Risk </button> <ul class="tertiary-menu-list px-0 menu-panel-py" role="menu" aria-labelledby="solutions-risk-menu"> <li class="menu-panel-px mb-5"> <a href="https://www.wtwco.com/en-au/risk" class="arrow-link align-items-center dropdown-item" onclick="mainNavClick(this,3)" data-elabel="View all"> <span class="mb-0">View all</span> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/affinity" onclick="mainNavClick(this,3)" data-elabel="Affinity Insurance" role="menuitem">Affinity Insurance</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/alternative-risk-transfer" onclick="mainNavClick(this,3)" data-elabel="Alternative Risk Transfer and Financing" role="menuitem">Alternative Risk Transfer and Financing</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/aviation-and-space" onclick="mainNavClick(this,3)" data-elabel="Aviation &amp; Space" role="menuitem">Aviation & Space</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/captives" onclick="mainNavClick(this,3)" data-elabel="Captive and Insurance Management Solutions" role="menuitem">Captive and Insurance Management Solutions</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/casualty" onclick="mainNavClick(this,3)" data-elabel="Casualty" role="menuitem">Casualty</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/claims" onclick="mainNavClick(this,3)" data-elabel="Claims" role="menuitem">Claims</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/climate-risk" onclick="mainNavClick(this,3)" data-elabel="Climate Risk" role="menuitem">Climate Risk</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/commercial-insurance" onclick="mainNavClick(this,3)" data-elabel="Commercial Insurance" role="menuitem">Commercial Insurance</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/corporate-risk-tools-and-technology" onclick="mainNavClick(this,3)" data-elabel="Corporate Risk Tools and Technology" role="menuitem">Corporate Risk Tools and Technology</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/credit-political-risk-and-terrorism" onclick="mainNavClick(this,3)" data-elabel="Credit and Political Risk" role="menuitem">Credit and Political Risk</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/cyber-risk-management-and-insurance" onclick="mainNavClick(this,3)" data-elabel="Cyber Risk Management and Insurance" role="menuitem">Cyber Risk Management and Insurance</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/enterprise-risk-management-consulting" onclick="mainNavClick(this,3)" data-elabel="Enterprise Risk Management Consulting" role="menuitem">Enterprise Risk Management Consulting</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/environmental" onclick="mainNavClick(this,3)" data-elabel="Environmental Risks" role="menuitem">Environmental Risks</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/esg-and-sustainability" onclick="mainNavClick(this,3)" data-elabel="ESG and Sustainability" role="menuitem">ESG and Sustainability</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/facultative" onclick="mainNavClick(this,3)" data-elabel="Facultative Reinsurance and Structured Risk" role="menuitem">Facultative Reinsurance and Structured Risk</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/finex" onclick="mainNavClick(this,3)" data-elabel="Financial, Professional and Executive Risks" role="menuitem">Financial, Professional and Executive Risks</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/global-specialty" onclick="mainNavClick(this,3)" data-elabel="Global Specialty " role="menuitem">Global Specialty </a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/health-and-benefits" onclick="mainNavClick(this,3)" data-elabel="Health and Benefits" role="menuitem">Health and Benefits</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/insurance-consulting-and-technology" onclick="mainNavClick(this,3)" data-elabel="Insurance Consulting and Technology" role="menuitem">Insurance Consulting and Technology</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/investments" onclick="mainNavClick(this,3)" data-elabel="Investments" role="menuitem">Investments</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/marine" onclick="mainNavClick(this,3)" data-elabel="Marine" role="menuitem">Marine</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/mergers-and-acquisitions" onclick="mainNavClick(this,3)" data-elabel="Mergers and Acquisitions" role="menuitem">Mergers and Acquisitions</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/natural-catastrophe" onclick="mainNavClick(this,3)" data-elabel="Natural Catastrophe" role="menuitem">Natural Catastrophe</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/property" onclick="mainNavClick(this,3)" data-elabel="Property Risk and Insurance Solutions" role="menuitem">Property Risk and Insurance Solutions</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/reputational-risk-management" onclick="mainNavClick(this,3)" data-elabel="Reputational Risk Management" role="menuitem">Reputational Risk Management</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/retirement" onclick="mainNavClick(this,3)" data-elabel="Retirement" role="menuitem">Retirement</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/risk-and-analytics" onclick="mainNavClick(this,3)" data-elabel="Risk and Analytics" role="menuitem">Risk and Analytics</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/workplace-risk" onclick="mainNavClick(this,3)" data-elabel="Workplace Risk" role="menuitem">Workplace Risk</a> </li> </ul> </div> </li> <li role="none"> <a href="#" class="menu-item mt-0 dropdown-toggle dropdown-item" role="menuitem" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" id="solutions-capital-menu" onclick="mainNavClick(this, 2)" data-elabel="Capital"> <div class="menu-panel-px"> <span class="menu-item__heading heading-4 underline-on-hover"> Capital<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </div> <p class="menu-item__description menu-panel-px font-p-small">More than ever, making the most of your capital means solving a complex risk-and-return equation.</p> </a> <!-- Nested Tertiary Menu --> <div class="dropdown-menu tertiary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> Capital </button> <ul class="tertiary-menu-list px-0 menu-panel-py" role="menu" aria-labelledby="solutions-capital-menu"> <li class="menu-panel-px mb-5"> <a href="https://www.wtwco.com/en-au/capital" class="arrow-link align-items-center dropdown-item" onclick="mainNavClick(this,3)" data-elabel="View all"> <span class="mb-0">View all</span> <span class="material-symbols-outlined" aria-hidden="true">arrow_forward</span> </a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/captives" onclick="mainNavClick(this,3)" data-elabel="Captive and Insurance Management Solutions" role="menuitem">Captive and Insurance Management Solutions</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/climate-risk" onclick="mainNavClick(this,3)" data-elabel="Climate Risk" role="menuitem">Climate Risk</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/credit-political-risk-and-terrorism" onclick="mainNavClick(this,3)" data-elabel="Credit and Political Risk" role="menuitem">Credit and Political Risk</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/cyber-risk-management-and-insurance" onclick="mainNavClick(this,3)" data-elabel="Cyber Risk Management and Insurance" role="menuitem">Cyber Risk Management and Insurance</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/esg-and-sustainability" onclick="mainNavClick(this,3)" data-elabel="ESG and Sustainability" role="menuitem">ESG and Sustainability</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/insurance-consulting-and-technology" onclick="mainNavClick(this,3)" data-elabel="Insurance Consulting and Technology" role="menuitem">Insurance Consulting and Technology</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/investments" onclick="mainNavClick(this,3)" data-elabel="Investments" role="menuitem">Investments</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/mergers-and-acquisitions" onclick="mainNavClick(this,3)" data-elabel="Mergers and Acquisitions" role="menuitem">Mergers and Acquisitions</a> </li> </ul> </div> </li> <li role="none"> <a href="#" class="menu-item mt-0 dropdown-toggle dropdown-item" role="menuitem" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" id="solutions-by-industries-menu" onclick="mainNavClick(this, 2)" data-elabel="By Industries"> <div class="menu-panel-px"> <span class="menu-item__heading heading-4 underline-on-hover"> By Industries<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </div> <p class="menu-item__description menu-panel-px font-p-small">Clients depend on us for specialized industry expertise.</p> </a> <!-- Nested Tertiary Menu --> <div class="dropdown-menu tertiary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> By Industries </button> <ul class="tertiary-menu-list px-0 menu-panel-py" role="menu" aria-labelledby="solutions-by-industries-menu"> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/aviation-and-space" onclick="mainNavClick(this,3)" data-elabel="Aviation &amp; Space" role="menuitem">Aviation & Space</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/industries/construction" onclick="mainNavClick(this,3)" data-elabel="Construction" role="menuitem">Construction</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/industries/education" onclick="mainNavClick(this,3)" data-elabel="Education" role="menuitem">Education</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/industries/financial-institutions" onclick="mainNavClick(this,3)" data-elabel="Financial Institutions" role="menuitem">Financial Institutions</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/industries/food-beverage-and-agriculture" onclick="mainNavClick(this,3)" data-elabel="Food, Beverage and Agriculture" role="menuitem">Food, Beverage and Agriculture</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/industries/health-care" onclick="mainNavClick(this,3)" data-elabel="Healthcare" role="menuitem">Healthcare</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/industries/insurance" onclick="mainNavClick(this,3)" data-elabel="Insurance" role="menuitem">Insurance</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/industries/manufacturing" onclick="mainNavClick(this,3)" data-elabel="Manufacturing" role="menuitem">Manufacturing</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/solutions/marine" onclick="mainNavClick(this,3)" data-elabel="Marine" role="menuitem">Marine</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/industries/natural-resources" onclick="mainNavClick(this,3)" data-elabel="Natural Resources" role="menuitem">Natural Resources</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/industries/professional-services-practice" onclick="mainNavClick(this,3)" data-elabel="Professional Services Practice" role="menuitem">Professional Services Practice</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/industries/public-sector-and-higher-education" onclick="mainNavClick(this,3)" data-elabel="Public Sector and Education" role="menuitem">Public Sector and Education</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/industries/real-estate" onclick="mainNavClick(this,3)" data-elabel="Real Estate" role="menuitem">Real Estate</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/industries/sports-and-entertainment" onclick="mainNavClick(this,3)" data-elabel="Sports and Entertainment" role="menuitem">Sports and Entertainment</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/industries/technology-media-and-telecommunications" onclick="mainNavClick(this,3)" data-elabel="Technology, Media and Telecommunications" role="menuitem">Technology, Media and Telecommunications</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/industries/transportation-and-logistics" onclick="mainNavClick(this,3)" data-elabel="Transportation and Logistics" role="menuitem">Transportation and Logistics</a> </li> </ul> </div> </li> </ul> </div> </li> <li class="nav-item dropdown" role="none"> <button type="button" class="btn dropdown-toggle menu-item menu-panel-px mt-0" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" role="menuitem" id="insights-menu" onclick="mainNavClick(this, 1)" data-elabel="Insights"> <span class="menu-item__heading heading-4 underline-on-hover">Insights<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </button> <!-- Nested Secondary Menu --> <div class="dropdown-menu secondary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> Insights </button> <ul class="secondary-menu-list px-0 menu-panel-py h-100" aria-labelledby="insights-menu" role="menu"> <li role="none"> <div class="menu-item mt-0 menu-panel-px"> <a href="https://www.wtwco.com/en-au/insights/all-insights" class="heading-4 underline-on-hover dropdown-item" data-placement="right" data-toggle="popover" role="menuitem" onclick="mainNavClick(this, 2)" data-elabel="All Insights" data-image="https://media.wtwco.com/-/media/WTW/Navigation/Falcultative-navpanel-629710097.jpg?modified=20190211211300&amp;imgeng=meta_true"> All Insights </a> </div> </li> <li role="none"> <a href="#" class="menu-item mt-0 dropdown-toggle dropdown-item" role="menuitem" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" id="insights-trending-topics-menu" onclick="mainNavClick(this, 2)" data-elabel="Trending Topics"> <div class="menu-panel-px"> <span class="menu-item__heading heading-4 underline-on-hover"> Trending Topics<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </div> </a> <!-- Nested Tertiary Menu --> <div class="dropdown-menu tertiary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> Trending Topics </button> <ul class="tertiary-menu-list px-0 menu-panel-py" role="menu" aria-labelledby="insights-trending-topics-menu"> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/insights/trending-topics/artificial-intelligence" onclick="mainNavClick(this,3)" data-elabel="Artificial Intelligence" role="menuitem">Artificial Intelligence</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/insights/trending-topics/building-strong-foundations" onclick="mainNavClick(this,3)" data-elabel="Building Strong Foundations" role="menuitem">Building Strong Foundations</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/insights/trending-topics/climate-change" onclick="mainNavClick(this,3)" data-elabel="Climate Change" role="menuitem">Climate Change</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/insights/trending-topics/esg-in-sight" onclick="mainNavClick(this,3)" data-elabel="ESG In Sight" role="menuitem">ESG In Sight</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/insights/campaigns/finance-and-process-transformation" onclick="mainNavClick(this,3)" data-elabel="Finance and Process Transformation" role="menuitem">Finance and Process Transformation</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/insights/trending-topics/the-future-of-work" onclick="mainNavClick(this,3)" data-elabel="Future of Work" role="menuitem">Future of Work</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/insights/trending-topics/geopolitical-risk" onclick="mainNavClick(this,3)" data-elabel="Geopolitical Risk" role="menuitem">Geopolitical Risk</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/insights/trending-topics/ifrs-17-solutions" onclick="mainNavClick(this,3)" data-elabel="IFRS 17 Solutions" role="menuitem">IFRS 17 Solutions</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/insights/trending-topics/insurtech" onclick="mainNavClick(this,3)" data-elabel="InsurTech" role="menuitem">InsurTech</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/insights/trending-topics/modernising-benefits" onclick="mainNavClick(this,3)" data-elabel="Modernising Benefits" role="menuitem">Modernising Benefits</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/insights/trending-topics/pay-transparency-legislation" onclick="mainNavClick(this,3)" data-elabel="Pay Transparency Legislation" role="menuitem">Pay Transparency Legislation</a> </li> </ul> </div> </li> <li role="none"> <a href="#" class="menu-item mt-0 dropdown-toggle dropdown-item" role="menuitem" data-toggle="dropdown" aria-haspopup="true" aria-expanded="false" id="insights-research-programs-and-collaborations-menu" onclick="mainNavClick(this, 2)" data-elabel="Research Programs and Collaborations"> <div class="menu-panel-px"> <span class="menu-item__heading heading-4 underline-on-hover"> Research Programs and Collaborations<span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_forward_ios</span></span> </div> </a> <!-- Nested Tertiary Menu --> <div class="dropdown-menu tertiary-menu offset-lg-4 col-lg-4 p-0 my-0"> <button class="menu-panel__back menu-panel-px heading-5 mb-0 py-3 w-100 text-left d-lg-none mb-4" role="menuitem"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> Research Programs and Collaborations </button> <ul class="tertiary-menu-list px-0 menu-panel-py" role="menu" aria-labelledby="insights-research-programs-and-collaborations-menu"> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/insights/research-programs-and-collaborations/thinking-ahead-institute" onclick="mainNavClick(this,3)" data-elabel="Thinking Ahead Institute" role="menuitem">Thinking Ahead Institute</a> </li> <li class="menu-panel-px menu-item menu-item--link my-3 py-0" role="none"> <a class="dropdown-item" href="https://www.wtwco.com/en-au/insights/research-programs-and-collaborations/wtw-research-network" onclick="mainNavClick(this,3)" data-elabel="WTW Research Network" role="menuitem">WTW Research Network</a> </li> </ul> </div> </li> </ul> </div> </li> </ul> <a href="#" onclick="focusOnFirstMenu(this)" class="end-of-menu sr-only d-none d-lg-block">End of main navigation menu. Click to return to the beginning of the menu or press escape to close.</a> <!--Mobile Utility Nav--> <div class="mobile-utility-nav menu-item menu-panel-px d-md-none m-0 py-0"> <ul class="menu-utils m-0"> <li class="menu-util"> <a href="https://www.wtwco.com/en-au/news/all-news" data-cdlabel="News" onclick="linkClick(this);" data-selabel="Utility Nav" class="heading-5 wtw-digital-black" data-cilabel="/sitecore/content/WTW/news/all-news" data-ewlabel="Utility Nav" data-etlabel="header_navigation" >News</a> </li> <li class="menu-util"> <a href="https://investors.wtwco.com" data-cdlabel="Investor Relations" rel="noopener noreferrer" onclick="linkClick(this);" data-selabel="Utility Nav" class="heading-5 wtw-digital-black" data-cilabel="https://investors.wtwco.com" data-ewlabel="Utility Nav" data-etlabel="header_navigation" target="_blank" >Investor Relations</a> </li> <li class="menu-util"> <a href="https://careers.wtwco.com" data-cdlabel="Careers" rel="noopener noreferrer" onclick="linkClick(this);" data-selabel="Utility Nav" class="heading-5 wtw-digital-black" data-cilabel="https://careers.wtwco.com" data-ewlabel="Utility Nav" data-etlabel="header_navigation" target="_blank" >Careers</a> </li> </ul> </div> <!--Mobile country Selector--> <div class="country-selector-container menu-item m-0 d-md-none"> <button class="font-p menu-item menu-panel-px d-md-none" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Country Selector Open" data-cdlabel="Country Selector Open" data-cilabel="/sitecore/content/WTW/insights/2024/10/2025-global-medical-trends-survey" data-menu="country-selector--is-visible" aria-expanded="false" aria-controls="country-selector"> <span class="material-symbols-outlined" aria-hidden="true">language</span> <strong>AU</strong> | EN <span class="menu-item__arrow material-symbols-outlined" aria-hidden="true">arrow_right</span> </button> </div> <script type="text/javascript"> function focusOnFirstMenu(e) { var ele = $(".primary-menu").find("button:first")[0]; ele.focus(); e.preventDefault(); } </script> <div class="country-selector" id="country-selector"> <div class="d-none d-md-flex w-100 justify-content-between site-nav__utility"> <div class=""> <button type="button" aria-expanded="false" aria-controls="country-selector" class="font-p font-p-small site-nav__utility-btn" data-menu="country-selector--is-visible" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Country Selector Close" data-cdlabel="Country Selector Close" data-cilabel="/sitecore/content/WTW/insights/2024/10/2025-global-medical-trends-survey" aria-label="Choose your location and preferred language. Current location and language selection is Australia English"> <span class="material-symbols-outlined" aria-hidden="true">language</span> <strong>AU</strong> | EN <span class="material-symbols-outlined" aria-hidden="true">expand_more</span> </button> </div> </div> <div class="d-block d-md-none country-selector__breadcrumb-nav"> <button type="button" aria-controls="country-selector" class="btn font-p font-p-large" data-menu-back="true" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Country Selector Close" data-cdlabel="Country Selector Close" data-cilabel="/sitecore/content/WTW/insights/2024/10/2025-global-medical-trends-survey"> <span class="material-symbols-outlined" aria-hidden="true">arrow_left</span> <span class="material-symbols-outlined" aria-hidden="true">language</span> <strong>AU</strong> | EN </button> </div> <div class="country-selector__container pt-3"> <div class="container"> <div class="row justify-content-md-center"> <div class="col-12 col-lg-10"> <button type="button" aria-controls="country-selector" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Country Selector Close" data-cdlabel="X" data-cilabel="/sitecore/content/WTW/insights/2024/10/2025-global-medical-trends-survey" data-menu-close="true" class="material-symbols-outlined d-none d-md-block btn-close" aria-label="Click to close the location selector"> close </button> <h2 class="mb-4 my-md-5 heading-1">Choose your location</h2> <h5 class="mb-3">Select the location and the language that you prefer</h5> <div class="accordion country-selector__accordion" id="country-accordion"> <div class="country-selector__accordion-item"> <button class="collapsed btn heading-4 container country-selector__accordion-btn" type="button" data-toggle="collapse" data-target="#region0" aria-expanded="false" aria-controls="region0" id="region-0" aria-label="Accordion menu, Americas locations, click to expand / collapse the list of websites and languages available" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Choose your location" data-cdlabel="Americas" data-cilabel="/sitecore/content/WTW/insights/2024/10/2025-global-medical-trends-survey" data-ctlabel="Region Open" onclick="if ($(this).hasClass('collapsed')) { $(this).data('ctlabel', 'Region Open') } else { $(this).data('ctlabel', 'Region Close') } linkClick(this);"> <span class="row align-items-center"> <span class="col-12 col-md-9 text-left">Americas</span> </span> <span class="material-symbols-outlined country-selector__icon" aria-hidden="true">arrow_drop_down</span> </button> <div id="region0" class="container collapse" aria-labelledby="region-0" data-parent="#country-accordion"> <div class="row table-responsive"> <table class="col col-12 table"> <caption> List of website locations and languages available in Americas </caption> <thead> <tr> <th scope="col">Location</th> <th scope="col">Languages Available</th> </tr> </thead> <tbody> <tr> <td class="heading-6 align-text-top">Argentina </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-ar' class="country-selector__languages" aria-label="Willis Towers Watson Argentina website in Spanish, click to navigate to website" data-current_country="Argentina" data-current_language="Spanish" data-menu_text="Argentina | Spanish" onclick="switchLanguage('/es-ar','/es-ar', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Bermuda </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-bm' class="country-selector__languages" aria-label="Willis Towers Watson Bermuda website in English, click to navigate to website" data-current_country="Bermuda" data-current_language="English" data-menu_text="Bermuda | English" onclick="switchLanguage('/en-bm','/en-bm', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Brazil </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/pt-br' class="country-selector__languages" aria-label="Willis Towers Watson Brazil website in Portuguese, click to navigate to website" data-current_country="Brazil" data-current_language="Portuguese" data-menu_text="Brazil | Portuguese" onclick="switchLanguage('/pt-br','/pt-br', this); return false;"> Portuguese</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Canada </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ca' class="country-selector__languages" aria-label="Willis Towers Watson Canada website in English, click to navigate to website" data-current_country="Canada" data-current_language="English" data-menu_text="Canada | English" onclick="switchLanguage('/en-ca','/en-ca', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/fr-ca' class="country-selector__languages" aria-label="Willis Towers Watson Canada website in French, click to navigate to website" data-current_country="Canada" data-current_language="French" data-menu_text="Canada | French" onclick="switchLanguage('/fr-ca','/fr-ca', this); return false;"> French</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Chile </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-cl' class="country-selector__languages" aria-label="Willis Towers Watson Chile website in Spanish, click to navigate to website" data-current_country="Chile" data-current_language="Spanish" data-menu_text="Chile | Spanish" onclick="switchLanguage('/es-cl','/es-cl', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Colombia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-co' class="country-selector__languages" aria-label="Willis Towers Watson Colombia website in Spanish, click to navigate to website" data-current_country="Colombia" data-current_language="Spanish" data-menu_text="Colombia | Spanish" onclick="switchLanguage('/es-co','/es-co', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Costa Rica </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-cr' class="country-selector__languages" aria-label="Willis Towers Watson Costa Rica website in Spanish, click to navigate to website" data-current_country="Costa Rica" data-current_language="Spanish" data-menu_text="Costa Rica | Spanish" onclick="switchLanguage('/es-cr','/es-cr', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">El Salvador </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-sv' class="country-selector__languages" aria-label="Willis Towers Watson El Salvador website in Spanish, click to navigate to website" data-current_country="El Salvador" data-current_language="Spanish" data-menu_text="El Salvador | Spanish" onclick="switchLanguage('/es-sv','/es-sv', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Guatemala </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-gt' class="country-selector__languages" aria-label="Willis Towers Watson Guatemala website in Spanish, click to navigate to website" data-current_country="Guatemala" data-current_language="Spanish" data-menu_text="Guatemala | Spanish" onclick="switchLanguage('/es-gt','/es-gt', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Honduras </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-hn' class="country-selector__languages" aria-label="Willis Towers Watson Honduras website in Spanish, click to navigate to website" data-current_country="Honduras" data-current_language="Spanish" data-menu_text="Honduras | Spanish" onclick="switchLanguage('/es-hn','/es-hn', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Mexico </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-mx' class="country-selector__languages" aria-label="Willis Towers Watson Mexico website in Spanish, click to navigate to website" data-current_country="Mexico" data-current_language="Spanish" data-menu_text="Mexico | Spanish" onclick="switchLanguage('/es-mx','/es-mx', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Nicaragua </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-ni' class="country-selector__languages" aria-label="Willis Towers Watson Nicaragua website in Spanish, click to navigate to website" data-current_country="Nicaragua" data-current_language="Spanish" data-menu_text="Nicaragua | Spanish" onclick="switchLanguage('/es-ni','/es-ni', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Panama </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-pa' class="country-selector__languages" aria-label="Willis Towers Watson Panama website in Spanish, click to navigate to website" data-current_country="Panama" data-current_language="Spanish" data-menu_text="Panama | Spanish" onclick="switchLanguage('/es-pa','/es-pa', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Peru </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-pe' class="country-selector__languages" aria-label="Willis Towers Watson Peru website in Spanish, click to navigate to website" data-current_country="Peru" data-current_language="Spanish" data-menu_text="Peru | Spanish" onclick="switchLanguage('/es-pe','/es-pe', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">United States </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-us' class="country-selector__languages" aria-label="Willis Towers Watson United States website in English, click to navigate to website" data-current_country="United States" data-current_language="English" data-menu_text="United States | English" onclick="switchLanguage('/en-us','/en-us', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Venezuela </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-ve' class="country-selector__languages" aria-label="Willis Towers Watson Venezuela website in Spanish, click to navigate to website" data-current_country="Venezuela" data-current_language="Spanish" data-menu_text="Venezuela | Spanish" onclick="switchLanguage('/es-ve','/es-ve', this); return false;"> Spanish</a> </li> </ul> </td> </tr> </tbody> </table> </div> </div> </div> <div class="country-selector__accordion-item"> <button class="collapsed btn heading-4 container country-selector__accordion-btn" type="button" data-toggle="collapse" data-target="#region1" aria-expanded="false" aria-controls="region1" id="region-1" aria-label="Accordion menu, Asia-Pacific locations, click to expand / collapse the list of websites and languages available" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Choose your location" data-cdlabel="Asia-Pacific" data-cilabel="/sitecore/content/WTW/insights/2024/10/2025-global-medical-trends-survey" data-ctlabel="Region Open" onclick="if ($(this).hasClass('collapsed')) { $(this).data('ctlabel', 'Region Open') } else { $(this).data('ctlabel', 'Region Close') } linkClick(this);"> <span class="row align-items-center"> <span class="col-12 col-md-9 text-left">Asia-Pacific</span> </span> <span class="material-symbols-outlined country-selector__icon" aria-hidden="true">arrow_drop_down</span> </button> <div id="region1" class="container collapse" aria-labelledby="region-1" data-parent="#country-accordion"> <div class="row table-responsive"> <table class="col col-12 table"> <caption> List of website locations and languages available in Asia-Pacific </caption> <thead> <tr> <th scope="col">Location</th> <th scope="col">Languages Available</th> </tr> </thead> <tbody> <tr> <td class="heading-6 align-text-top">Australia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-au' class="country-selector__languages" aria-label="Willis Towers Watson Australia website in English, click to navigate to website" data-current_country="Australia" data-current_language="English" data-menu_text="Australia | English" onclick="switchLanguage('/en-au','/en-au', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">China </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='https://www.wtwco.cn/zh-cn' class="country-selector__languages" aria-label="Willis Towers Watson China website in Simplified Chinese, click to navigate to website" data-current_country="China" data-current_language="Simplified Chinese" data-menu_text="China | Simplified Chinese" onclick="switchLanguage('/zh-cn','https://www.wtwco.cn/zh-cn', this); return false;"> Simplified Chinese</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Hong Kong (China, SAR) </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-hk' class="country-selector__languages" aria-label="Willis Towers Watson Hong Kong (China, SAR) website in English, click to navigate to website" data-current_country="Hong Kong (China, SAR)" data-current_language="English" data-menu_text="Hong Kong (China, SAR) | English" onclick="switchLanguage('/en-hk','/en-hk', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">India </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-in' class="country-selector__languages" aria-label="Willis Towers Watson India website in English, click to navigate to website" data-current_country="India" data-current_language="English" data-menu_text="India | English" onclick="switchLanguage('/en-in','/en-in', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Indonesia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-id' class="country-selector__languages" aria-label="Willis Towers Watson Indonesia website in English, click to navigate to website" data-current_country="Indonesia" data-current_language="English" data-menu_text="Indonesia | English" onclick="switchLanguage('/en-id','/en-id', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Japan </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/ja-jp' class="country-selector__languages" aria-label="Willis Towers Watson Japan website in Japanese, click to navigate to website" data-current_country="Japan" data-current_language="Japanese" data-menu_text="Japan | Japanese" onclick="switchLanguage('/ja-jp','/ja-jp', this); return false;"> Japanese</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Korea </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/ko-kr' class="country-selector__languages" aria-label="Willis Towers Watson Korea website in Korean, click to navigate to website" data-current_country="Korea" data-current_language="Korean" data-menu_text="Korea | Korean" onclick="switchLanguage('/ko-kr','/ko-kr', this); return false;"> Korean</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Malaysia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-my' class="country-selector__languages" aria-label="Willis Towers Watson Malaysia website in English, click to navigate to website" data-current_country="Malaysia" data-current_language="English" data-menu_text="Malaysia | English" onclick="switchLanguage('/en-my','/en-my', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">New Zealand </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-nz' class="country-selector__languages" aria-label="Willis Towers Watson New Zealand website in English, click to navigate to website" data-current_country="New Zealand" data-current_language="English" data-menu_text="New Zealand | English" onclick="switchLanguage('/en-nz','/en-nz', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Philippines </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ph' class="country-selector__languages" aria-label="Willis Towers Watson Philippines website in English, click to navigate to website" data-current_country="Philippines" data-current_language="English" data-menu_text="Philippines | English" onclick="switchLanguage('/en-ph','/en-ph', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Singapore </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-sg' class="country-selector__languages" aria-label="Willis Towers Watson Singapore website in English, click to navigate to website" data-current_country="Singapore" data-current_language="English" data-menu_text="Singapore | English" onclick="switchLanguage('/en-sg','/en-sg', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Taiwan </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/zh-tw' class="country-selector__languages" aria-label="Willis Towers Watson Taiwan website in Traditional Chinese, click to navigate to website" data-current_country="Taiwan" data-current_language="Traditional Chinese" data-menu_text="Taiwan | Traditional Chinese" onclick="switchLanguage('/zh-tw','/zh-tw', this); return false;"> Traditional Chinese</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Thailand </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-th' class="country-selector__languages" aria-label="Willis Towers Watson Thailand website in English, click to navigate to website" data-current_country="Thailand" data-current_language="English" data-menu_text="Thailand | English" onclick="switchLanguage('/en-th','/en-th', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/th-th' class="country-selector__languages" aria-label="Willis Towers Watson Thailand website in Thai, click to navigate to website" data-current_country="Thailand" data-current_language="Thai" data-menu_text="Thailand | Thai" onclick="switchLanguage('/th-th','/th-th', this); return false;"> Thai</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Vietnam </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-vn' class="country-selector__languages" aria-label="Willis Towers Watson Vietnam website in English, click to navigate to website" data-current_country="Vietnam" data-current_language="English" data-menu_text="Vietnam | English" onclick="switchLanguage('/en-vn','/en-vn', this); return false;"> English</a> </li> </ul> </td> </tr> </tbody> </table> </div> </div> </div> <div class="country-selector__accordion-item"> <button class="collapsed btn heading-4 container country-selector__accordion-btn" type="button" data-toggle="collapse" data-target="#region2" aria-expanded="false" aria-controls="region2" id="region-2" aria-label="Accordion menu, Europe locations, click to expand / collapse the list of websites and languages available" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Choose your location" data-cdlabel="Europe" data-cilabel="/sitecore/content/WTW/insights/2024/10/2025-global-medical-trends-survey" data-ctlabel="Region Open" onclick="if ($(this).hasClass('collapsed')) { $(this).data('ctlabel', 'Region Open') } else { $(this).data('ctlabel', 'Region Close') } linkClick(this);"> <span class="row align-items-center"> <span class="col-12 col-md-9 text-left">Europe</span> </span> <span class="material-symbols-outlined country-selector__icon" aria-hidden="true">arrow_drop_down</span> </button> <div id="region2" class="container collapse" aria-labelledby="region-2" data-parent="#country-accordion"> <div class="row table-responsive"> <table class="col col-12 table"> <caption> List of website locations and languages available in Europe </caption> <thead> <tr> <th scope="col">Location</th> <th scope="col">Languages Available</th> </tr> </thead> <tbody> <tr> <td class="heading-6 align-text-top">Austria </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/de-at' class="country-selector__languages" aria-label="Willis Towers Watson Austria website in German, click to navigate to website" data-current_country="Austria" data-current_language="German" data-menu_text="Austria | German" onclick="switchLanguage('/de-at','/de-at', this); return false;"> German</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Belgium </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-be' class="country-selector__languages" aria-label="Willis Towers Watson Belgium website in English, click to navigate to website" data-current_country="Belgium" data-current_language="English" data-menu_text="Belgium | English" onclick="switchLanguage('/en-be','/en-be', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/fr-be' class="country-selector__languages" aria-label="Willis Towers Watson Belgium website in French, click to navigate to website" data-current_country="Belgium" data-current_language="French" data-menu_text="Belgium | French" onclick="switchLanguage('/fr-be','/fr-be', this); return false;"> French</a> </li> <li class="d-inline-block"> <a href='/nl-be' class="country-selector__languages" aria-label="Willis Towers Watson Belgium website in Flemish, click to navigate to website" data-current_country="Belgium" data-current_language="Flemish" data-menu_text="Belgium | Flemish" onclick="switchLanguage('/nl-be','/nl-be', this); return false;"> Flemish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Croatia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-hr' class="country-selector__languages" aria-label="Willis Towers Watson Croatia website in English, click to navigate to website" data-current_country="Croatia" data-current_language="English" data-menu_text="Croatia | English" onclick="switchLanguage('/en-hr','/en-hr', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/hr-hr' class="country-selector__languages" aria-label="Willis Towers Watson Croatia website in Croatian, click to navigate to website" data-current_country="Croatia" data-current_language="Croatian" data-menu_text="Croatia | Croatian" onclick="switchLanguage('/hr-hr','/hr-hr', this); return false;"> Croatian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Czech Republic </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-cz' class="country-selector__languages" aria-label="Willis Towers Watson Czech Republic website in English, click to navigate to website" data-current_country="Czech Republic" data-current_language="English" data-menu_text="Czech Republic | English" onclick="switchLanguage('/en-cz','/en-cz', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/cs-cz' class="country-selector__languages" aria-label="Willis Towers Watson Czech Republic website in Czech, click to navigate to website" data-current_country="Czech Republic" data-current_language="Czech" data-menu_text="Czech Republic | Czech" onclick="switchLanguage('/cs-cz','/cs-cz', this); return false;"> Czech</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Denmark </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/da-dk' class="country-selector__languages" aria-label="Willis Towers Watson Denmark website in Danish, click to navigate to website" data-current_country="Denmark" data-current_language="Danish" data-menu_text="Denmark | Danish" onclick="switchLanguage('/da-dk','/da-dk', this); return false;"> Danish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Finland </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/fi-fi' class="country-selector__languages" aria-label="Willis Towers Watson Finland website in Finnish, click to navigate to website" data-current_country="Finland" data-current_language="Finnish" data-menu_text="Finland | Finnish" onclick="switchLanguage('/fi-fi','/fi-fi', this); return false;"> Finnish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">France </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/fr-fr' class="country-selector__languages" aria-label="Willis Towers Watson France website in French, click to navigate to website" data-current_country="France" data-current_language="French" data-menu_text="France | French" onclick="switchLanguage('/fr-fr','/fr-fr', this); return false;"> French</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Germany </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/de-de' class="country-selector__languages" aria-label="Willis Towers Watson Germany website in German, click to navigate to website" data-current_country="Germany" data-current_language="German" data-menu_text="Germany | German" onclick="switchLanguage('/de-de','/de-de', this); return false;"> German</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Greece </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/el-gr' class="country-selector__languages" aria-label="Willis Towers Watson Greece website in Greek, click to navigate to website" data-current_country="Greece" data-current_language="Greek" data-menu_text="Greece | Greek" onclick="switchLanguage('/el-gr','/el-gr', this); return false;"> Greek</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Hungary </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/hu-hu' class="country-selector__languages" aria-label="Willis Towers Watson Hungary website in Hungarian, click to navigate to website" data-current_country="Hungary" data-current_language="Hungarian" data-menu_text="Hungary | Hungarian" onclick="switchLanguage('/hu-hu','/hu-hu', this); return false;"> Hungarian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Ireland </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ie' class="country-selector__languages" aria-label="Willis Towers Watson Ireland website in English, click to navigate to website" data-current_country="Ireland" data-current_language="English" data-menu_text="Ireland | English" onclick="switchLanguage('/en-ie','/en-ie', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Italy </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/it-it' class="country-selector__languages" aria-label="Willis Towers Watson Italy website in Italian, click to navigate to website" data-current_country="Italy" data-current_language="Italian" data-menu_text="Italy | Italian" onclick="switchLanguage('/it-it','/it-it', this); return false;"> Italian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Kazakhstan </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/kk-kz' class="country-selector__languages" aria-label="Willis Towers Watson Kazakhstan website in Kazakh, click to navigate to website" data-current_country="Kazakhstan" data-current_language="Kazakh" data-menu_text="Kazakhstan | Kazakh" onclick="switchLanguage('/kk-kz','/kk-kz', this); return false;"> Kazakh</a> </li> <li class="d-inline-block"> <a href='/ru-kz' class="country-selector__languages" aria-label="Willis Towers Watson Kazakhstan website in Russian, click to navigate to website" data-current_country="Kazakhstan" data-current_language="Russian" data-menu_text="Kazakhstan | Russian" onclick="switchLanguage('/ru-kz','/ru-kz', this); return false;"> Russian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Luxembourg </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/fr-lu' class="country-selector__languages" aria-label="Willis Towers Watson Luxembourg website in French, click to navigate to website" data-current_country="Luxembourg" data-current_language="French" data-menu_text="Luxembourg | French" onclick="switchLanguage('/fr-lu','/fr-lu', this); return false;"> French</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Netherlands </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/nl-nl' class="country-selector__languages" aria-label="Willis Towers Watson Netherlands website in Dutch, click to navigate to website" data-current_country="Netherlands" data-current_language="Dutch" data-menu_text="Netherlands | Dutch" onclick="switchLanguage('/nl-nl','/nl-nl', this); return false;"> Dutch</a> </li> <li class="d-inline-block"> <a href='/en-nl' class="country-selector__languages" aria-label="Willis Towers Watson Netherlands website in English, click to navigate to website" data-current_country="Netherlands" data-current_language="English" data-menu_text="Netherlands | English" onclick="switchLanguage('/en-nl','/en-nl', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Norway </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/nn-no' class="country-selector__languages" aria-label="Willis Towers Watson Norway website in Norwegian, click to navigate to website" data-current_country="Norway" data-current_language="Norwegian" data-menu_text="Norway | Norwegian" onclick="switchLanguage('/nn-no','/nn-no', this); return false;"> Norwegian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Poland </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/pl-pl' class="country-selector__languages" aria-label="Willis Towers Watson Poland website in Polish, click to navigate to website" data-current_country="Poland" data-current_language="Polish" data-menu_text="Poland | Polish" onclick="switchLanguage('/pl-pl','/pl-pl', this); return false;"> Polish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Portugal </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/pt-pt' class="country-selector__languages" aria-label="Willis Towers Watson Portugal website in Portuguese, click to navigate to website" data-current_country="Portugal" data-current_language="Portuguese" data-menu_text="Portugal | Portuguese" onclick="switchLanguage('/pt-pt','/pt-pt', this); return false;"> Portuguese</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Romania </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/ro-ro' class="country-selector__languages" aria-label="Willis Towers Watson Romania website in Romanian, click to navigate to website" data-current_country="Romania" data-current_language="Romanian" data-menu_text="Romania | Romanian" onclick="switchLanguage('/ro-ro','/ro-ro', this); return false;"> Romanian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Serbia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/sr-rs' class="country-selector__languages" aria-label="Willis Towers Watson Serbia website in Serbian, click to navigate to website" data-current_country="Serbia" data-current_language="Serbian" data-menu_text="Serbia | Serbian" onclick="switchLanguage('/sr-rs','/sr-rs', this); return false;"> Serbian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Slovakia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/sk-sk' class="country-selector__languages" aria-label="Willis Towers Watson Slovakia website in Slovak, click to navigate to website" data-current_country="Slovakia" data-current_language="Slovak" data-menu_text="Slovakia | Slovak" onclick="switchLanguage('/sk-sk','/sk-sk', this); return false;"> Slovak</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Spain </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/es-es' class="country-selector__languages" aria-label="Willis Towers Watson Spain website in Spanish, click to navigate to website" data-current_country="Spain" data-current_language="Spanish" data-menu_text="Spain | Spanish" onclick="switchLanguage('/es-es','/es-es', this); return false;"> Spanish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Sweden </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-se' class="country-selector__languages" aria-label="Willis Towers Watson Sweden website in English, click to navigate to website" data-current_country="Sweden" data-current_language="English" data-menu_text="Sweden | English" onclick="switchLanguage('/en-se','/en-se', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/sv-se' class="country-selector__languages" aria-label="Willis Towers Watson Sweden website in Swedish, click to navigate to website" data-current_country="Sweden" data-current_language="Swedish" data-menu_text="Sweden | Swedish" onclick="switchLanguage('/sv-se','/sv-se', this); return false;"> Swedish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Switzerland </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ch' class="country-selector__languages" aria-label="Willis Towers Watson Switzerland website in English, click to navigate to website" data-current_country="Switzerland" data-current_language="English" data-menu_text="Switzerland | English" onclick="switchLanguage('/en-ch','/en-ch', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/fr-ch' class="country-selector__languages" aria-label="Willis Towers Watson Switzerland website in French, click to navigate to website" data-current_country="Switzerland" data-current_language="French" data-menu_text="Switzerland | French" onclick="switchLanguage('/fr-ch','/fr-ch', this); return false;"> French</a> </li> <li class="d-inline-block"> <a href='/de-ch' class="country-selector__languages" aria-label="Willis Towers Watson Switzerland website in German, click to navigate to website" data-current_country="Switzerland" data-current_language="German" data-menu_text="Switzerland | German" onclick="switchLanguage('/de-ch','/de-ch', this); return false;"> German</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Turkey </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/tr-tr' class="country-selector__languages" aria-label="Willis Towers Watson Turkey website in Turkish, click to navigate to website" data-current_country="Turkey" data-current_language="Turkish" data-menu_text="Turkey | Turkish" onclick="switchLanguage('/tr-tr','/tr-tr', this); return false;"> Turkish</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Ukraine </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/uk-ua' class="country-selector__languages" aria-label="Willis Towers Watson Ukraine website in Ukrainian, click to navigate to website" data-current_country="Ukraine" data-current_language="Ukrainian" data-menu_text="Ukraine | Ukrainian" onclick="switchLanguage('/uk-ua','/uk-ua', this); return false;"> Ukrainian</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">United Kingdom </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-gb' class="country-selector__languages" aria-label="Willis Towers Watson United Kingdom website in English, click to navigate to website" data-current_country="United Kingdom" data-current_language="English" data-menu_text="United Kingdom | English" onclick="switchLanguage('/en-gb','/en-gb', this); return false;"> English</a> </li> </ul> </td> </tr> </tbody> </table> </div> </div> </div> <div class="country-selector__accordion-item"> <button class="collapsed btn heading-4 container country-selector__accordion-btn" type="button" data-toggle="collapse" data-target="#region3" aria-expanded="false" aria-controls="region3" id="region-3" aria-label="Accordion menu, Middle East and Africa locations, click to expand / collapse the list of websites and languages available" data-etlabel="internal_link_click" data-selabel="Location Selector" data-ewlabel="Choose your location" data-cdlabel="Middle East and Africa" data-cilabel="/sitecore/content/WTW/insights/2024/10/2025-global-medical-trends-survey" data-ctlabel="Region Open" onclick="if ($(this).hasClass('collapsed')) { $(this).data('ctlabel', 'Region Open') } else { $(this).data('ctlabel', 'Region Close') } linkClick(this);"> <span class="row align-items-center"> <span class="col-12 col-md-9 text-left">Middle East and Africa</span> </span> <span class="material-symbols-outlined country-selector__icon" aria-hidden="true">arrow_drop_down</span> </button> <div id="region3" class="container collapse" aria-labelledby="region-3" data-parent="#country-accordion"> <div class="row table-responsive"> <table class="col col-12 table"> <caption> List of website locations and languages available in Middle East and Africa </caption> <thead> <tr> <th scope="col">Location</th> <th scope="col">Languages Available</th> </tr> </thead> <tbody> <tr> <td class="heading-6 align-text-top">Cameroon </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-cm' class="country-selector__languages" aria-label="Willis Towers Watson Cameroon website in English, click to navigate to website" data-current_country="Cameroon" data-current_language="English" data-menu_text="Cameroon | English" onclick="switchLanguage('/en-cm','/en-cm', this); return false;"> English</a> </li> <li class="d-inline-block"> <a href='/fr-cm' class="country-selector__languages" aria-label="Willis Towers Watson Cameroon website in French, click to navigate to website" data-current_country="Cameroon" data-current_language="French" data-menu_text="Cameroon | French" onclick="switchLanguage('/fr-cm','/fr-cm', this); return false;"> French</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Congo </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/fr-cd' class="country-selector__languages" aria-label="Willis Towers Watson Congo website in French, click to navigate to website" data-current_country="Congo" data-current_language="French" data-menu_text="Congo | French" onclick="switchLanguage('/fr-cd','/fr-cd', this); return false;"> French</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Egypt </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-eg' class="country-selector__languages" aria-label="Willis Towers Watson Egypt website in English, click to navigate to website" data-current_country="Egypt" data-current_language="English" data-menu_text="Egypt | English" onclick="switchLanguage('/en-eg','/en-eg', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Ghana </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-gh' class="country-selector__languages" aria-label="Willis Towers Watson Ghana website in English, click to navigate to website" data-current_country="Ghana" data-current_language="English" data-menu_text="Ghana |English" onclick="switchLanguage('/en-gh','/en-gh', this); return false;">English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Ivory Coast </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/fr-ci' class="country-selector__languages" aria-label="Willis Towers Watson Ivory Coast website in French, click to navigate to website" data-current_country="Ivory Coast" data-current_language="French" data-menu_text="Ivory Coast | French" onclick="switchLanguage('/fr-ci','/fr-ci', this); return false;"> French</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Israel </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-il' class="country-selector__languages" aria-label="Willis Towers Watson Israel website in English, click to navigate to website" data-current_country="Israel" data-current_language="English" data-menu_text="Israel | English" onclick="switchLanguage('/en-il','/en-il', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Jordan </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-jo' class="country-selector__languages" aria-label="Willis Towers Watson Jordan website in English, click to navigate to website" data-current_country="Jordan" data-current_language="English" data-menu_text="Jordan | English" onclick="switchLanguage('/en-jo','/en-jo', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Kenya </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ke' class="country-selector__languages" aria-label="Willis Towers Watson Kenya website in English, click to navigate to website" data-current_country="Kenya" data-current_language="English" data-menu_text="Kenya | English" onclick="switchLanguage('/en-ke','/en-ke', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Kuwait </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-kw' class="country-selector__languages" aria-label="Willis Towers Watson Kuwait website in English, click to navigate to website" data-current_country="Kuwait" data-current_language="English" data-menu_text="Kuwait | English" onclick="switchLanguage('/en-kw','/en-kw', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Mauritius </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-mu' class="country-selector__languages" aria-label="Willis Towers Watson Mauritius website in English, click to navigate to website" data-current_country="Mauritius" data-current_language="English" data-menu_text="Mauritius | English" onclick="switchLanguage('/en-mu','/en-mu', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Nigeria </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ng' class="country-selector__languages" aria-label="Willis Towers Watson Nigeria website in English, click to navigate to website" data-current_country="Nigeria" data-current_language="English" data-menu_text="Nigeria | English" onclick="switchLanguage('/en-ng','/en-ng', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Saudi Arabia </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-sa' class="country-selector__languages" aria-label="Willis Towers Watson Saudi Arabia website in English, click to navigate to website" data-current_country="Saudi Arabia" data-current_language="English" data-menu_text="Saudi Arabia | English" onclick="switchLanguage('/en-sa','/en-sa', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Senegal </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/fr-sn' class="country-selector__languages" aria-label="Willis Towers Watson Senegal website in French, click to navigate to website" data-current_country="Senegal" data-current_language="French" data-menu_text="Senegal | French" onclick="switchLanguage('/fr-sn','/fr-sn', this); return false;"> French</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">South Africa </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-za' class="country-selector__languages" aria-label="Willis Towers Watson South Africa website in English, click to navigate to website" data-current_country="South Africa" data-current_language="English" data-menu_text="South Africa | English" onclick="switchLanguage('/en-za','/en-za', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">UAE </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ae' class="country-selector__languages" aria-label="Willis Towers Watson UAE website in English, click to navigate to website" data-current_country="UAE" data-current_language="English" data-menu_text="UAE | English" onclick="switchLanguage('/en-ae','/en-ae', this); return false;"> English</a> </li> </ul> </td> </tr> <tr> <td class="heading-6 align-text-top">Uganda </td> <td> <ul class="text-left p-0 m-0"> <li class="d-inline-block"> <a href='/en-ug' class="country-selector__languages" aria-label="Willis Towers Watson Uganda website in English, click to navigate to website" data-current_country="Uganda" data-current_language="English" data-menu_text="Uganda | English" onclick="switchLanguage('/en-ug','/en-ug', this); return false;"> English</a> </li> </ul> </td> </tr> </tbody> </table> </div> </div> </div> </div> <script> function switchLanguage(link, href, ele) { if (link === href) { createLanguageCookie(link, ele); } window.location.href = href; } function createLanguageCookie(link, ele) { window.dataLayer = window.dataLayer || []; window.dataLayer.push({ 'event': 'change_country_site', 'previous_country': 'Australia', 'previous_language': 'English', 'current_country': $(ele).data('current_country'), 'current_language': $(ele).data('current_language'), 'eyebrow_field': 'Choose your location', 'card_text': $(ele).data('menu_text'), 'sitecore_component': 'Location Selector', 'component_category': 'Choose your location', 'card_item': '/sitecore/content/WTW' }); var strLang = link.substring(1, link.length); setCookie("userPreferredLang", strLang, 365); } function setCookie(cname, cvalue, exdays) { var d = new Date(); d.setTime(d.getTime() + (exdays * 24 * 60 * 60 * 1000)); var expires = "expires=" + d.toGMTString(); document.cookie = cname + "=" + cvalue + ";" + expires + ";path=/"; } </script> </div> </div> </div> </div> <button class="tab-trap-button sr-only"></button> </div> </nav> <div class="col d-flex justify-content-center align-items-center site-nav-border-l site-nav-border-r"> <a href="https://www.wtwco.com/en-au" class="site-nav__logo p-2" onclick="linkClick(this);" data-etlabel="header_navigation" data-selabel="Logo" data-ewlabel="Logo (header)" data-cdlabel="WTW" data-cilabel="/sitecore/content/WTW" aria-label="Willis Towers Watson; Click to navigate to the homepage"> <div class="d-block d-lg-none"> <img src="https://media.wtwco.com/-/media/WTW/Logo/Logo_Mobile.svg?iar=0&amp;modified=20240701125225&amp;imgeng=meta_true&amp;hash=C16FDBB4DD613110BB98E6E6A6B405A3" alt="Willis Towers Watson Logo" /> </div> <div class="d-none d-lg-block"> <img src="https://media.wtwco.com/-/media/WTW/Logo/Logo_Desktop.svg?iar=0&amp;modified=20240701125225&amp;imgeng=meta_true&amp;hash=56F49BEC51919C8E565A890FBF0C1B85" alt="Willis Towers Watson Logo" /> </div> </a> </div> <button class="btn btn-lg site-nav__btn site-nav__btn--search-menu" data-menu="search-menu-is-visible" aria-expanded="false" aria-controls="search-menu" onclick="if (!$('body').hasClass('search-menu-is-visible')) { $(this).data('ctlabel', 'Opened Search') } else { $(this).data('ctlabel', 'Closed Search') } linkClick(this);" data-etlabel="internal_link_click" data-selabel="Search Button" data-ewlabel="What can we help you find?" data-cdlabel="Search" data-cilabel="/sitecore/content/WTW/Search" data-ctlabel="Opened Search" aria-label="Open search, click to open/close search interface"> <span class="site-nav__btn__label d-none d-md-block"> Search </span> <span class="site-nav__btn__icon"> <span class="material-symbols-outlined" aria-hidden="true">search</span> <span class="material-symbols-outlined" aria-hidden="true">close</span> </span> </button> <section class="search-menu" id="search-menu"> <div class="container"> <div class="row"> <div class="col-12"> <div class="search-bar"> <h5>What can we help you find?</h5> <script type="text/javascript"> // TODO: add above // Important * Workaround to initialize prebinding attributes on all the elements used in the Searchbox container. document.addEventListener("CoveoSearchEndpointInitialized", function () { var searchbox = document.getElementById("_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9"); searchbox.dataset.enableSearchAsYouType = "false"; //WTW-1967 searchbox.dataset.enableFieldAddon = "true"; searchbox.dataset.enableQuerySuggestAddon = "true"; searchbox.dataset.enableQueryExtensionAddon = "true"; searchbox.dataset.enablePartialMatch = "true"; var searchBoxContainer = document.getElementById("_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9_container"); CoveoForSitecore.Prebinding.applyPrebindingOnElement(searchBoxContainer); CoveoForSitecore.Prebinding.applyPrebindingOnChildren( searchBoxContainer ); }); window.addEventListener("load", function () { var input = document.getElementsByClassName("magic-box-input")[0].children[1]; input.setAttribute("aria-label", "Search box"); input.style.width = "100%"; input.addEventListener('keydown', function (event) { if (event.keyCode === 13) { window.dataLayer = window.dataLayer || []; window.dataLayer.push({ 'event': 'searchOnInputEnter' }); } }); var underlay = document.getElementsByClassName("magic-box-underlay")[0]; underlay.style.visibility = "hidden"; var formWrapper = document.createElement('form'); formWrapper.setAttribute("role", "search"); input.parentNode.insertBefore(formWrapper, input); formWrapper.appendChild(input); var searchbtn = document.querySelector("a.CoveoSearchButton"); searchbtn.setAttribute("role", "button"); searchbtn.setAttribute("tabindex", "0"); searchbtn.setAttribute("href", "#"); //Create a copy of the search button and place it inside <form> tag formWrapper.appendChild(searchbtn); //Delete the original search button $(searchbtn[0]).remove(); if (searchbtn) { while (searchbtn.firstChild) { searchbtn.removeChild(searchbtn.firstChild); } // searchbtn.setAttribute("href", "#"); } }); </script> <script> document.addEventListener("CoveoSearchEndpointInitialized", function() { var searchboxElement = document.getElementById("_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9"); searchboxElement.addEventListener("CoveoComponentInitialized", function() { CoveoForSitecore.initSearchboxIfStandalone(searchboxElement, "https://www.wtwco.com/en-au/search"); }); }) </script> <div id="_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9_container" data-prebind-maximum-age='currentMaximumAge' > <div id="_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9" class="CoveoSearchbox" data-enable-omnibox='true' data-prebind-maximum-age='currentMaximumAge' data-clear-filters-on-new-query='false' data-trigger-query-on-clear='false'> <script type="text/javascript"> document.addEventListener("CoveoSearchEndpointInitialized", function() { var componentId = "_185F67BF-1D73-4AEE-9564-FDE5B0EB24D9"; var componentElement = document.getElementById(componentId); function showError(error) { console.error(error); } function areCoveoResourcesIncluded() { return typeof (Coveo) !== "undefined"; } if (areCoveoResourcesIncluded()) { var event = document.createEvent("CustomEvent"); event.initEvent("CoveoComponentInitialized", false, true); setTimeout(function() { componentElement.dispatchEvent(event); }, 0); } else { componentElement.classList.add("invalid"); showError("The Coveo Resources component must be included in this page."); } }); </script> <div class="CoveoForSitecoreBindWithUserContext"></div> <div class="CoveoForSitecoreExpressions"></div> <div class="CoveoForSitecoreConfigureSearchHub" data-sc-search-hub="Search"></div> </div> <span id="FieldSuggestionComponentOnNavigation" class="CoveoFieldSuggestions" data-field="@Page Title" data-prebind-field="fieldTranslator" data-query-override="(@fz95xlanguage13762==&quot;en-AU&quot;)(@fz95xfullpath13762*=&quot;/sitecore/content/wtw*&quot;)"></span> </div> </div> </div> </div> </div> </section> </div> </div> <script type="text/javascript"> function mainNavClick(ele, navlevel) { var navCat, navSubCat, navSubCat2; if (navlevel == 3) { navSubCat2 = $(ele).data('elabel'); navSubCat = $(ele).parents('li.show').children(".dropdown-toggle").data("elabel"); navCat = $(ele).parents('li.show').parents('li.show').children(".dropdown-toggle").data("elabel"); } else if (navlevel == 2) { navSubCat = $(ele).data('elabel'); navCat = $(ele).parents('li.show').children(".dropdown-toggle").data("elabel"); } else if (navlevel == 1) { navCat = $(ele).data('elabel'); } window.dataLayer = window.dataLayer || []; window.dataLayer.push({ 'event': 'main_menu_navigation', 'click_text': $(ele).data('elabel'), 'click_url': $(ele).attr('href') == undefined || $(ele).attr('href') == "#" ? document.location.href : $(ele).prop('href'), 'navigation_category': navCat, 'navigation_subcategory': navSubCat, 'navigation_subcategory_2': navSubCat2 }); } </script> <div class="sr-only" id="main-content" tabindex="-1">main content, press tab to continue</div> <header> <section class="static-page-hero mb-2 mb-md-5"> <div class="static-page-hero__image" style="background-image: url('https://media.wtwco.com/-/media/WTW/Content-Hubs-and-Trending-Topics/Insurtech-2880x500-812259756.jpg?modified=20190405134234&amp;imgeng=meta_true ');"> <div class="container static-page-hero__wrapper"> <div class="row pb-3 pb-md-4"> <h1 class="col-12 col-xl-9 static-page-hero__heading "><span><span>Finance and Process Transformation</span></span></h1> </div> </div> </div> </section> </header> <main> <section class="container mt-3 pt-3 mt-lg-4 pt-lg-4"> <div class="row"> <article class="col-12 col-lg-7"> <!-- WTW START --><p class="font-p-large text-faded">In an industry facing multiple disruptive forces — including technological, regulatory and competitive pressures — rethinking business and financial systems, and how they interconnect, can help insurers reduce costs, report more quickly and derive more business value from their data. </p><p>Historically, system and process evolution in insurance has addressed a small number of needs at a time – often in isolation from other business considerations. The narrow focus of many developments has also been compounded by the fact that most insurers have tackled technical issues in similar ways for many years. Widely used approaches such as modelling product-by-product, for example, are always going to reinforce separation and lead to time-consuming repetition across the financial system as a whole.</p> <p>Many organizations now recognize that effective finance and process transformation solutions will have to involve some updated thinking: considering more far-reaching change and adopting new methods that will have an impact across the business. Changes that previously would focus on simply ‘faster’ or on ‘better’ will now need to encompass all of ‘faster, better and cheaper’ for the process in question, as well as enabling companies to make better use of information in the business more widely.</p><!-- WTW END --> <div class="card inline-media sr-reveal inline-media--video"> <div class="inline-media__video-container sr-reveal-video"> <div style="position: relative; display: block; max-width: 100%;"> <div style="padding-top: 56.25%;"> <video data-video-id="6008918963001" data-account="5728959027001" data-player="HJUdFfTmQ" data-embed="default" data-application-id class="video-js" controls style="position: absolute; top: 0px; right: 0px; bottom: 0px; left: 0px; width: 100%; height: 100%;"></video> <script src="//players.brightcove.net/5728959027001/HJUdFfTmQ_default/index.min.js"></script> </div> </div> </div> <div class="card-body"> <div class="card-title mb-0 font-weight-semibold font-mono"> <!-- WTW START --> Finance and Process Transformation <!-- WTW END --> </div> <p class="card-text font-p-small"> <!-- WTW START --> Business executives need good quality information of the right type, in a timely fashion, to make effective decisions. <!-- WTW END --> </p> </div> </div> </article> <aside class="col-12 offset-lg-1 col-lg-4"> <div class="people"> <h2 class="heading-5"> Contact us </h2> <hr class="horizontal-rule--thick"> <div class="media"> <div class="media-body"> <div class="font-p-small font-weight-semibold"> <!-- WTW START --> Finance and Process Transformation <!-- WTW END --> </div> <div class="font-p-small people__contact-info"> <span class="people__contact-email"> <span class="material-symbols-outlined">email</span> <a href="mailto:FPT@wtwco.com" class="font-weight-bold" aria-label="Click to e-mail FPT@willistowerswatson.com" onclick="linkClick(this);" data-etlabel="internal_link_click" data-selabel="People Authors Bios" data-cdlabel="Email"> Email </a> </span> </div> </div> </div> <hr> </div> <a href="/en-AU/insights/trending-topics/ifrs-17-solutions" data-cdlabel="IFRS 17 Solutions" onclick="linkClick(this);" data-selabel="Featured Content Card - Right Rail" class="card related-content-card related-content-card--aside" data-cilabel="/en-AU/insights/trending-topics/ifrs-17-solutions" data-ewlabel="Trending topic" data-etlabel="internal_link_click" ><div class="related-content-card__img-container"> <img src="https://media.wtwco.com/-/media/WTW/Brand-1610-Refresh/GettyImages-948404692-1610.jpg?modified=20230213153806&amp;imgeng=meta_true&amp;la=en-AU&amp;h=776&amp;w=1242&amp;mw=1242&amp;hash=BDA16619F1D607501540BDB755C6B539" loading="lazy" class="card-img-top" role="presentation" alt="" /></div> <div class="card-body"> <div class="related-content-card__eyebrow"> Trending topic </div> <div class="card-title heading-5"> IFRS 17 Solutions </div> </div> </a> </aside> </div> </section> <section class="container mt-3 pt-3 mt-lg-4 pt-lg-4"> <div class="row"> <article class="col-12 col-lg-7"> <!-- WTW START --><h3>Why undertake finance and process transformation - the potential benefits</h3> <ul> <li><strong>Run cost savings - </strong>Well designed and fully automated production processes; minimal and easy maintenance; and how you use software will all drive down run cost for reporting frameworks sustainably and release up to 60-70% of the in-house actuarial resources to perform value-creating tasks.</li> <li><strong>Easier IFRS 17 implementation - </strong>Too often regulatory change is viewed as another time-consuming, complex and expensive burden. Far-sighted organizations are using this as a catalyst for more fundamental system and process changes that ultimately deliver significant business advantages, as well as making IFRS 17 implementation easier, quicker and cheaper.</li> <li><strong>Faster and more reliable reporting - </strong>As&nbsp;system and process evolution has often taken place in a piecemeal fashion, most insurers have become plagued by ‘Excel monsters’, excessive manual processes and dangerous key person risk in reporting. All of this can be corrected with the right processes, systems and workflow automation.</li> <li><strong>Improved in-force management - </strong>With the right tools, systems and processes, actuaries and in-force managers have access to the data and analyses that means they can ask the right questions and find the right answers to improve in-force management.</li> <li><strong>Insights into cross-, re- and up-selling potential - </strong>Raising the cross-, re- and up-selling potential requires the right data, analyses and actions – which today are too often separated into different organizational siloes.</li> </ul> <h3>Approaches to finance and process transformation – how we can help</h3> <div class="d-flex flex-row flex-wrap flex-sm-nowrap mb-5 align-items-top"> <div class="stat__image pr-4 pr-xs-0"> <div class="stat__icon w-100 mt-2"> <img class="img-fluid" alt="" src="https://media.wtwco.com/-/media/WTW/Insights/Trending-Topics/wtw-HP-2019-0138_Icon_Adapt.png?modified=20190603154151&imgeng=meta_true"> </div> </div> <div class="stat__text"> <div class="heading-5 mt-2">Keep and adapt existing reporting framework</div> <p class="mb-0 pb-0 mt-xs-2">Piecemeal adaptation of the existing reporting framework has for many years been the traditional approach to finance and process transformation. It is often still viewed by many organizations as the quickest and easiest solution. But in the long run it may not be the cheapest solution or the best solution, as it typically requires significant investment for incremental benefits, and the legacy framework becomes slower and puts greater emphasis on manual housekeeping activities. However, building on past developments in the existing framework is a good approach in the right circumstances. For example, where the framework has been recently designed, rather than evolved over time; has end-to-end automation; utilizes step-wise error handling; etc and so on.</p> </div> </div> <div class="d-flex flex-row flex-wrap flex-sm-nowrap mb-5 align-items-top"> <div class="stat__image pr-4 pr-xs-0"> <div class="stat__icon w-100 mt-2"> <img class="img-fluid" alt="" src="https://media.wtwco.com/-/media/WTW/Insights/Trending-Topics/wtw-HP-2019-0138_Icon_Keep.png?modified=20190603154208&imgeng=meta_true"> </div> </div> <div class="stat__text"> <div class="heading-5 mt-2">Completely redesign the reporting framework</div> <p class="mb-0 pb-0 mt-xs-2">This is a newer, technology-fueled approach to finance and process transformation. By starting with the end goals in mind, then developing the processes and identifying the latest technologies to achieve these goals, organizations can gain real, long-term advantages, delivering the financial and management information that's really wanted and needed, smarter, quicker and with reduced risk and cost as a result of automation. We have more than 10 years' experience working with clients to deliver tailored, end-to-end, fully automated and governed reporting frameworks. Drawing together our industry expertise and proven technology solutions, we can help you to analyze your requirements; design the process end to end; and implement the new framework.<br><br></p> <ul> <li>Transforming business processes</li> <li>Avoid a reporting crisis: Useful tips – part 1</li> <li>Avoid a reporting crisis: Useful tips – part 2 (Implementation)</li> <li>Avoid a reporting crisis: Useful tips – part 3 (Cementing gains)</li> <li>Avoid a reporting crisis: Turning words into reality</li> <li>Bite-size IFRS 17: Technology solutions</li> </ul> </div> </div> <div class="d-flex flex-row flex-wrap flex-sm-nowrap mb-5 align-items-top"> <div class="stat__image pr-4 pr-xs-0"> <div class="stat__icon w-100"> <img class="img-fluid" alt="" src="https://media.wtwco.com/-/media/WTW/Insights/Trending-Topics/wtw-HP-2019-0138_Icon_Rent.png?modified=20190603154226&imgeng=meta_true"> </div> </div> <div class="stat__text"> <div class="heading-5">Rent a ready-to-use, plug-and-play reporting framework</div> <p class="mb-0 pb-0 mt-xs-2">Renting a ready-to-use, plug-and-play reporting framework delivers most of the advantages of a completely redesigned reporting framework, but without the time, cost and potential resource commitments. Willis Towers Watson's 'Financial Reporting &amp; Insights Platform' (FRIP) is designed to ensure it remains future-proof in the long term. In one, single, consistent machine, it can deliver IFRS 17, business planning, local statutory reserving, Solvency II, Swiss Solvency Test, your internal risk model, ALM, and more! The plug-and-play solution requires minimal initial set up and little on-going maintenance. The annual rent covers initial implementation, future regulatory developments and the software license. The cloud usage cost is variable, but typically very low due to the framework design. In addition, the revolutionary design can free up to 60-70% of your actuarial team from routine calculations and manual interventions to perform value-adding tasks instead.<br><br></p> <div class="download-content mb-5"> <h5>Download</h5> <div class="table-responsive"> <table class="table"> <!--Table head--> <thead> <tr> <th>Title</th> <th nowrap="">File Type</th> <th nowrap="">File Size</th> </tr> </thead> <!--Table head--> <!--Table body--> <tbody> <tr> <th data-title="Title"> <span class="download-icon" aria-hidden="true"></span> <span class="download-file"> <a aria-label="Link, download, click to download Financial Reporting &amp; Insights Platform - overview, Size 2 megabytes. File type PDF" href="-/media/WTW/Insights/Trending-Topics/Overview_of_FRIPs_final.pdf" target="_blank" data-eventlabel="Title: Financial Reporting &amp; Insights Platform - overview" data-eventcategory="Page Interaction - Downloaded File" data-eventaction="Downloaded File" download=""> Financial Reporting &amp; Insights Platform - overview </a> </span> </th> <td data-title="File Type">PDF</td> <td data-title="File Size">2 MB</td> </tr> </tbody> <!--Table body--> </table> </div> </div> <ul> <li>Video: IFRS 17 implementation can be tough!</li> <li>Video: Suffering from high run cost in actuarial and finance teams?</li> <li>Video: Are you getting the data insights you need from your actuaries to create value for your operations?</li> <li>Finance and process transformation: how to find the silver lining in IFRS 17</li> </ul> </div> </div><!-- WTW END --> </article> <aside class="col-12 offset-lg-1 col-lg-4"> <!-- WTW START --><img class="img-fluid svg-responsive" alt="pie chart showing the benefits of finance and process transformation" src="https://media.wtwco.com/-/media/WTW/Insights/Trending-Topics/pie-chart-showing-the-benefits-of-finance-and-process-transformation.svg?modified=20190603144354&imgeng=meta_true"><!-- WTW END --> </aside> </div> </section> <section class="related-content-list"> <div class="container"> <h2 class="related-content-list__section-title heading-3">Related products</h2> <div class="row related-content-list__content"> <div class="col-12 col-lg-6 col-xl-4 related-content-list__container"> <a href="https://www.wtwco.com/en-au/solutions/products/unify" onclick="linkClick(this);" data-etlabel="cta_click" data-ewlabel="Software" data-ctlabel="Product" data-cdlabel="Unify" data-selabel="Products Module" data-cilabel="/sitecore/content/WTW/solutions/products/unify" class="container related-content-list__item related-content-list__item-1"> <div class="row"> <div class="col-12"> <img src="https://media.wtwco.com/-/media/WTW/Solutions/Products-Software-Refresh/svg/unify_Core_Cropped.svg?modified=20230111192300&amp;imgeng=meta_true&amp;la=en-AU&amp;hash=FC82FF8A2A6149F1EF83E53524BD7970" class="related-content-list__content-image" loading="lazy" aria-hidden="true" alt="" /> </div> <div class="col-12 related-content-list__item-content"> <div class="related-content-list__content-face"> <span class="font-mono-small related-content-list__content-eyebrow">Software</span> <span class="heading-3 related-content-list__content-heading">Unify</span> </div> <div class="related-content-list__content-details"> <span class="heading-5 related-content-list__content-heading">Unify</span> <span class="font-p-small related-content-list__content-description">Unify is an enterprise-wide systems integration, automation and governance platform designed specifically to serve the insurance industry.</span> <span class="arrow-link"> Product Information <span aria-hidden="true" class="material-symbols-outlined">arrow_right_alt</span> </span> </div> </div> </div> </a> </div> <div class="col-12 col-lg-6 col-xl-4 related-content-list__container"> <a href="https://www.wtwco.com/en-au/solutions/products/resq-financial-reporter" onclick="linkClick(this);" data-etlabel="cta_click" data-ewlabel="Software" data-ctlabel="Product" data-cdlabel="ResQ Financial Reporter" data-selabel="Products Module" data-cilabel="/sitecore/content/WTW/solutions/products/resq-financial-reporter" class="container related-content-list__item related-content-list__item-1"> <div class="row"> <div class="col-12"> <img src="https://media.wtwco.com/-/media/WTW/Solutions/Products-Software-Refresh/svg/resq_financial_reporter_Core_Cropped.svg?modified=20231120022307&amp;imgeng=meta_true&amp;la=en-AU&amp;hash=6E86E25F437ECCFC59BBB1A7E1251EEC" class="related-content-list__content-image" loading="lazy" aria-hidden="true" alt="" /> </div> <div class="col-12 related-content-list__item-content"> <div class="related-content-list__content-face"> <span class="font-mono-small related-content-list__content-eyebrow">Software</span> <span class="heading-3 related-content-list__content-heading">ResQ Financial Reporter</span> </div> <div class="related-content-list__content-details"> <span class="heading-5 related-content-list__content-heading">ResQ Financial Reporter</span> <span class="font-p-small related-content-list__content-description">ResQ Financial Reporter takes the complexity out of IFRS 17 for P&C and composite insurers, saving you time and effort in your end-to-end IFRS 17 reporting processes. And by freeing up valuable time and resources, it allows you to focus on the core activities that matter most to your business.</span> <span class="arrow-link"> Product Information <span aria-hidden="true" class="material-symbols-outlined">arrow_right_alt</span> </span> </div> </div> </div> </a> </div> <div class="col-12 col-lg-6 col-xl-4 related-content-list__container"> <a href="https://www.wtwco.com/en-au/solutions/products/datavalidator" onclick="linkClick(this);" data-etlabel="cta_click" data-ewlabel="Software" data-ctlabel="Product" data-cdlabel="DataValidator" data-selabel="Products Module" data-cilabel="/sitecore/content/WTW/solutions/products/datavalidator" class="container related-content-list__item related-content-list__item-2"> <div class="row"> <div class="col-12"> <img src="https://media.wtwco.com/-/media/WTW/Solutions/Products-Software-Refresh/svg/data_validator_Core_Cropped.svg?modified=20230111180535&amp;imgeng=meta_true&amp;la=en-AU&amp;hash=1A3E778FE8354F536392C9CD87B88CE8" class="related-content-list__content-image" loading="lazy" aria-hidden="true" alt="" /> </div> <div class="col-12 related-content-list__item-content"> <div class="related-content-list__content-face"> <span class="font-mono-small related-content-list__content-eyebrow">Software</span> <span class="heading-3 related-content-list__content-heading">DataValidator</span> </div> <div class="related-content-list__content-details"> <span class="heading-5 related-content-list__content-heading">DataValidator</span> <span class="font-p-small related-content-list__content-description">Flexible and user-friendly, DataValidator is a software solution that validates, cleanses and transforms data efficiently, preparing it for use in financial modeling and reporting processes. At each stage it generates detailed audit reports maintaining governance controls that support regulatory requirements.</span> <span class="arrow-link"> Product Information <span aria-hidden="true" class="material-symbols-outlined">arrow_right_alt</span> </span> </div> </div> </div> </a> </div> <div class="col-12 col-lg-6 col-xl-4 related-content-list__container"> <a href="https://www.wtwco.com/en-au/solutions/products/riskagility-financial-modeller" onclick="linkClick(this);" data-etlabel="cta_click" data-ewlabel="Software" data-ctlabel="Product" data-cdlabel="RiskAgility Financial Modeler (FM)" data-selabel="Products Module" data-cilabel="/sitecore/content/WTW/solutions/products/riskAgility-financial-modeller" class="container related-content-list__item related-content-list__item-2"> <div class="row"> <div class="col-12"> <img src="https://media.wtwco.com/-/media/WTW/Solutions/Products-Software-Refresh/svg/riskagility_fm_Core_Cropped.svg?modified=20230111191731&amp;imgeng=meta_true&amp;la=en-AU&amp;hash=DB3A863D003BDF976EBDCDB85BE74CEF" class="related-content-list__content-image" loading="lazy" aria-hidden="true" alt="" /> </div> <div class="col-12 related-content-list__item-content"> <div class="related-content-list__content-face"> <span class="font-mono-small related-content-list__content-eyebrow">Software</span> <span class="heading-3 related-content-list__content-heading">RiskAgility Financial Modeler (FM)</span> </div> <div class="related-content-list__content-details"> <span class="heading-5 related-content-list__content-heading">RiskAgility Financial Modeler (FM)</span> <span class="font-p-small related-content-list__content-description">RiskAgility FM is a fast, flexible, actuarial software solution that enables life and health insurers and pension companies to run financial models that accurately reflect their products and company, and to run them in ways that are easily adapted to their business processes and regulatory reporting needs.</span> <span class="arrow-link"> Product Information <span aria-hidden="true" class="material-symbols-outlined">arrow_right_alt</span> </span> </div> </div> </div> </a> </div> <div class="col-12 col-lg-6 col-xl-4 related-content-list__container"> <a href="https://www.wtwco.com/en-au/solutions/products/v-grid" onclick="linkClick(this);" data-etlabel="cta_click" data-ewlabel="Software" data-ctlabel="Product" data-cdlabel="vGrid" data-selabel="Products Module" data-cilabel="/sitecore/content/WTW/solutions/products/v-grid" class="container related-content-list__item related-content-list__item-3"> <div class="row"> <div class="col-12"> <img src="https://media.wtwco.com/-/media/WTW/Solutions/Products-Software-Refresh/svg/vgrid_Core_Cropped.svg?modified=20230111192404&amp;imgeng=meta_true&amp;la=en-AU&amp;hash=659C29403DBE06BE36832FA28BFB89F2" class="related-content-list__content-image" loading="lazy" aria-hidden="true" alt="" /> </div> <div class="col-12 related-content-list__item-content"> <div class="related-content-list__content-face"> <span class="font-mono-small related-content-list__content-eyebrow">Software</span> <span class="heading-3 related-content-list__content-heading">vGrid</span> </div> <div class="related-content-list__content-details"> <span class="heading-5 related-content-list__content-heading">vGrid</span> <span class="font-p-small related-content-list__content-description">vGrid helps insurers scale computing resources as business demands change without the need to self-manage and maintain a complex IT infrastructure.</span> <span class="arrow-link"> Product Information <span aria-hidden="true" class="material-symbols-outlined">arrow_right_alt</span> </span> </div> </div> </div> </a> </div> </div> <div class="row related-content-list__content collapse" id="collapseRelatedContentList"> </div> </div> </section> <div class="contact-us__wrapper"> <a href="https://www.wtwco.com/en-au/contact-us" class="contact-us__button" onclick="linkClick(this)" data-etlabel="internal_link_click" data-selabel="Persistent Contact Us button" data-ewlabel="Contact Us Persistent Button" data-cdlabel="Envelope Icon" data-cilabel="/sitecore/content/WTW/contact-us" aria-label="Contact Willis Towers Watson, click to navigate to a contact form page"> <img src="-/media/Feature/Resources/Images/buttons/contact-us.svg" class="img-fluid" loading="lazy" alt="Contact us"> </a> </div> </main> <footer class="site-footer" id="divWtwFooter"> <div class="container"> <div class="row"> <div class="col-12 col-md-4"> <a href=https://www.wtwco.com/en-au class="d-block site-footer__logo" onclick="linkClick(this);" data-etlabel="footer_navigation" data-selabel="Logo" data-ewlabel="Logo (footer)" data-cdlabel="WTW" data-cilabel="/sitecore/content/WTW"> <img src="https://media.wtwco.com/-/media/WTW/Logo/Footer-Willis-Towers-Watson_Text.svg?modified=20220110040900&amp;imgeng=meta_true&amp;la=en-AU&amp;hash=8AC6F080D34876BC747BD0B793C1FD51" loading="lazy" alt="Willis Towers Watson logo" /> </a> </div> <!--Primary Links--> <div class="col-12 offset-md-1 col-md-4"> <ul class="site-footer__primary"> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-au/about-us/overview" data-cdlabel="About Us" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/about-us/overview" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >About Us</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-au/people" data-cdlabel="People" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/people" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >People</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-au/risk" data-cdlabel="Risk" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/risk" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >Risk</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-au/capital" data-cdlabel="Capital" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/capital" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >Capital</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-au/news/all-news" data-cdlabel="News" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/news/all-news" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >News</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-au/insights/all-insights" data-cdlabel="Insights" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/insights/all-insights" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >Insights</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://investors.wtwco.com" data-cdlabel="Investor Relations" rel="noopener noreferrer" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="https://investors.wtwco.com" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" target="_blank" >Investor Relations</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://careers.wtwco.com/" data-cdlabel="Careers" rel="noopener noreferrer" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="https://careers.wtwco.com/" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" target="_blank" >Careers</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-au/about-us/office-locations" data-cdlabel="Office Locations" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/about-us/office-locations" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >Office Locations</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-au/social-media" data-cdlabel="Social Media" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/social-media" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >Social Media</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-au/contact-us" data-cdlabel="Contact Us" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/contact-us" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >Contact Us</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="https://www.wtwco.com/en-au/sitemap" data-cdlabel="Sitemap" onclick="linkClick(this);" data-selabel="Footer links - Primary" class="font-p-small font-weight-bold site-footer__primary-link" data-cilabel="/sitecore/content/WTW/sitemap" data-ewlabel="Primary Footer Link" data-etlabel="footer_navigation" >Sitemap</a> </li> </ul> </div> <!--Secondary Links--> <div class="col-12 col-md-3"> <ul class="site-footer__secondary"> <li> <a href="https://www.wtwco.com/en-au/notices/global-website-privacy-notice" data-cdlabel="Global Website Privacy Notice" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/global-website-privacy-notice" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Global Website Privacy Notice</a> </li> <li> <a href="https://www.wtwco.com/en-au/notices/terms-of-use" data-cdlabel="Terms of Use" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/terms-of-use" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Terms of Use</a> </li> <li> <a href="https://www.wtwco.com/en-au/notices/accessibility-statement" data-cdlabel="Accessibility Statement" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/accessibility-statement" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Accessibility Statement</a> </li> <li> <a href="https://www.wtwco.com/en-au/notices/cookie-notice" data-cdlabel="Cookie Notice" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/cookie-notice" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Cookie Notice</a> </li> <li class="d-md-inline-block d-lg-block w-100"> <a href="#" class="ot-sdk-show-settings font-p-xsmall font-weight-bold site-footer__secondary-link" onclick="linkClick(this);" data-etlabel="footer_navigation" data-selabel="Footer links - Secondary" data-ewlabel="Secondary Footer Link" data-cdlabel="Cookie Settings" aria-haspopup="true">Cookie Settings</a> </li> <li> <a href="https://www.wtwco.com/-/media/wtw/notices/code-of-conduct-2023-en-au.pdf?modified=20230717063147" data-cdlabel="Code of Conduct" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/media library/WTW/Notices/code-of-conduct-2023-en-au" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Code of Conduct</a> </li> <li> <a href="https://www.wtwco.com/en-au/notices/privacy-policy-australasia" data-cdlabel="ANZ Privacy Policy - clients, insureds and claimants" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/privacy-policy-australasia" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >ANZ Privacy Policy - clients, insureds and claimants</a> </li> <li> <a href="https://www.wtwco.com/en-au/notices/towers-watson-australia-privacy-policy" data-cdlabel="Towers Watson Australia Privacy Policy" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/towers-watson-australia-privacy-policy" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Towers Watson Australia Privacy Policy</a> </li> <li> <a href="https://www.wtwco.com/en-au/notices/insurance-brokers-code-of-practice" data-cdlabel="Insurance Brokers Code of Practice" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/insurance-brokers-code-of-practice" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Insurance Brokers Code of Practice</a> </li> <li> <a href="https://www.wtwco.com/en-au/notices/target-market-determinations" data-cdlabel="Target Market Determinations" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/target-market-determinations" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Target Market Determinations</a> </li> <li> <a href="https://www.wtwco.com/-/media/wtw/notices/cpd-policy-willis-towers-watson-australia-june-2024.pdf?modified=20240607104853" data-cdlabel="Australia CPD Policy" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/media library/WTW/Notices/cpd-policy-willis-towers-watson-australia-june-2024" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Australia CPD Policy</a> </li> <li> <a href="https://www.wtwco.com/en-au/notices/whistleblower-policy" data-cdlabel="Whistleblower Policy" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/whistleblower-policy" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Whistleblower Policy</a> </li> <li> <a href="https://www.wtwco.com/-/media/wtw/homepage/willis-australia-limited-fsg-updated.pdf?modified=20231221015340" data-cdlabel="Willis Australia Limited FSG" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/media library/WTW/Homepage/willis-australia-limited-fsg-updated" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Willis Australia Limited FSG</a> </li> <li> <a href="https://www.wtwco.com/en-au/notices/complaints-and-external-dispute-resolution" data-cdlabel="Complaints & External Dispute Resolution" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/content/WTW/notices/complaints-and-external-dispute-resolution" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Complaints &amp; External Dispute Resolution</a> </li> <li> <a href="https://www.wtwco.com/-/media/wtw/homepage/modern-slavery-statement.pdf?modified=20241003163816" data-cdlabel="Modern Slavery Statement" onclick="linkClick(this);" data-selabel="Footer link - Secondary" class="font-p-xsmall font-weight-bold site-footer__secondary-link" data-cilabel="/sitecore/media library/WTW/Homepage/modern-slavery-statement" data-ewlabel="Secondary Footer Link" data-etlabel="footer_navigation" >Modern Slavery Statement</a> </li> </ul> </div> </div> <!--Social Media Links--> <div class="row"> <div class="col-12 col-md-4"> <div class="site-footer__social-container"> <a href="https://www.facebook.com/WTWcorporate" data-cdlabel="Facebook" target="_blank" data-ewlabel="Social" style="background-image: url(https://media.wtwco.com/-/media/Feature/Resources/Images/icons/facebook.svg?modified=20181030190638&imgeng=meta_true);" onclick="linkClick(this);" data-selabel="Social links" title="Facebook" data-cilabel="https://www.facebook.com/WTWcorporate" class="site-footer__social-link" rel="noopener noreferrer" data-etlabel="footer_navigation" data-ctlabel="Social Link" ></a><a href="https://www.linkedin.com/company/willis-towers-watson-australia" data-cdlabel="Linkedin" target="_blank" data-ewlabel="Social" style="background-image: url(https://media.wtwco.com/-/media/Feature/Resources/Images/icons/linkedin.svg?modified=20181030190638&imgeng=meta_true);" onclick="linkClick(this);" data-selabel="Social links" title="Linkedin" data-cilabel="https://www.linkedin.com/company/willis-towers-watson-australia" class="site-footer__social-link" rel="noopener noreferrer" data-etlabel="footer_navigation" data-ctlabel="Social Link" ></a><a href="https://www.instagram.com/wtwcorporate" data-cdlabel="Instagram" target="_blank" data-ewlabel="Social" style="background-image: url(https://media.wtwco.com/-/media/Feature/Resources/Images/icons/instagram.svg?modified=20221122210540&imgeng=meta_true);" onclick="linkClick(this);" data-selabel="Social links" title="Instagram" data-cilabel="https://www.instagram.com/wtwcorporate" class="site-footer__social-link" rel="noopener noreferrer" data-etlabel="footer_navigation" data-ctlabel="Social Link" ></a> <script type="application/ld+json"> {"@context":"https://schema.org","@type":"Organization","@id":"https://www.wtwco.com#organization","sameAs":["https://www.facebook.com/WTWcorporate","https://www.linkedin.com/company/willis-towers-watson-australia","https://www.instagram.com/wtwcorporate"]} </script> </div> </div> </div> <div class="row"> <div class="col-12"> <p class="font-p-xsmall m-0 mt-md-2 site-footer__copyright">Copyright &copy; 2024 WTW. All rights reserved. <br/>WTW acknowledges the Traditional Custodians of Country on which we work and pay our respects to Elders past and present.</p> </div> </div> </div> </footer> <script src="https://www.wtwco.com/-/media/Feature/Resources/Javascript-Files/jquerymin.js?modified=20210727212433&amp;v=2.0.0.0"></script> <script src="https://www.wtwco.com/-/media/Feature/Resources/Javascript-Files/bootstrapmin.js?modified=20210727212347&amp;v=2.0.0.0"></script> <script src="https://www.wtwco.com/-/media/Feature/Resources/Javascript-Files/scrollrevealmin.js?modified=20200402212017&amp;v=2.0.0.0"></script> <script src="https://www.wtwco.com/-/media/Feature/Resources/Javascript-Files/sitemin.js?modified=20241030170532&amp;v=2.0.0.0"></script> <script> function linkClick(ele) { window.dataLayer = window.dataLayer || []; window.dataLayer.push({ 'event': $(ele).data('etlabel') || 'internal_link_click', 'component_category': $(ele).data('ctlabel') || $(ele).data('ewlabel'), 'eyebrow_field': $(ele).data('ewlabel'), 'card_text': $(ele).data('cdlabel'), 'sitecore_component': $(ele).data('selabel'), 'card_item': $(ele).data('cilabel') }); } </script> <script type="text/javascript"> function getMarketoCookie() { function escape(s) { return s.replace(/([.*+?\^$(){}|\[\]\/\\])/g, '\\$1'); } var match = document.cookie.match(RegExp('(?:^|;\\s*)' + escape("_mkto_trk") + '=([^;]*)')); return match ? match[1] : "undefined"; } function GetServicesProductTags(value) { if (window.location.href.toLowerCase().indexOf("services") > -1 || window.location.href.toLowerCase().indexOf("products") > -1) { var elRelatedSolutions = $("#related-solutions"); if (elRelatedSolutions != null && elRelatedSolutions.length) { var tagCode = ""; elRelatedSolutions.each(function () { $(this).find('a').each(function () { var code = $(this).data('capability-code'); tagCode = tagCode.concat(code, "|"); }); }); return tagCode.slice(0, -1); } return value; } else { return value; } } function GetServicesProductTagsGuids(value) { if (window.location.href.toLowerCase().indexOf("services") > -1 || window.location.href.toLowerCase().indexOf("products") > -1) { var elRelatedSolutions = $("#related-solutions"); if (elRelatedSolutions != null && elRelatedSolutions.length) { var tagGuids = ""; elRelatedSolutions.each(function () { $(this).find('a').each(function () { var guid = $(this).data('capability-id'); tagGuids = tagGuids.concat(guid, "|"); }); }); return tagGuids.slice(0,-1); } return value; } else { return value; } } window.dataLayer.push({ 'event': 'dataLayer-initialized', 'content_language': 'English', 'content_language_code': 'en', 'content_country_name': 'Australia', 'content_country_code': 'AU', 'page_id': '0c088d9e-87f1-4d83-9e44-176e8c20baf1_en-au', 'page_template': 'Solution Page', 'item_guid': '0c088d9e-87f1-4d83-9e44-176e8c20baf1', 'article_date': '6/7/2019', 'article_type': 'Topic', 'capability_tag_guid': '1e2e52e2-617f-45aa-9be4-da6b05f8278b', 'capability_tag_name': 'Finance and Process Transformation', 'tags': GetServicesProductTags('Finance and Process Transformation'), 'tags_guids': GetServicesProductTagsGuids('1e2e52e2-617f-45aa-9be4-da6b05f8278b'), 'content_title': 'Finance and Process Transformation', 'content_eyebrow': 'Topic', 'publication': 'None', 'author': 'WTW', 'item_path': '/sitecore/content/WTW/insights/campaigns/finance-and-process-transformation', 'sitecore_id': '9b10f0de-b4c9-4df6-9796-3b1f80799b8f', 'sitecore_session_id': '775d4170-903b-4437-a365-b8ae4bb2d138', 'marketo_id': getMarketoCookie() }); </script> <link rel="stylesheet" href="/Coveo/Hive/css/CoveoFullSearch.min.css" /> <link rel="stylesheet" href="/Coveo/Hive/css/CoveoForSitecore.min.css" /> <script class="coveo-script" type="text/javascript" src='/Coveo/Hive/js/CoveoJsSearch.Lazy.min.js'></script> <script class="coveo-for-sitecore-script" type="text/javascript" src='/Coveo/Hive/js/CoveoForSitecore.Lazy.min.js'></script> <script type="text/javascript" src="/coveo/hive/js/cultures/en.js"></script> <div> <!-- Resources --> <div id="SearchResourcesProperties_d5058afd1f044708a6e2f237f26cea8a" class="CoveoForSitecoreContext" data-sc-should-have-analytics-component='true' data-sc-analytics-enabled='true' data-sc-current-language='en-AU' data-prebind-sc-language-field-name='fieldTranslator' data-sc-language-field-name='_language' data-sc-labels='{&quot;Ascending&quot; : &quot;Ascending&quot; , &quot;Descending&quot; : &quot;Descending&quot; , &quot;Created&quot; : &quot;Created&quot; , &quot;Created By&quot; : &quot;Created by&quot; , &quot;Creation Time&quot; : &quot;Creation time.&quot; , &quot;Language&quot; : &quot;Language&quot; , &quot;Last Time Modified&quot; : &quot;Last time modified.&quot; , &quot;Template&quot; : &quot;Template&quot; , &quot;Uniform resource identifier&quot; : &quot;URI&quot; , &quot;Updated By&quot; : &quot;Updated by&quot; , &quot;If the problem persists contact the administrator.&quot; : &quot;If the problem persists contact the administrator.&quot; , &quot;Search is currently unavailable&quot; : &quot;Oops! Something went wrong on the server.&quot;}' data-sc-maximum-age='900000' data-sc-page-name='finance-and-process-transformation' data-sc-page-name-full-path='/sitecore/content/WTW/insights/campaigns/finance-and-process-transformation' data-sc-index-source-name='WTW-Web-Index' data-sc-is-in-experience-editor='false' data-sc-is-user-anonymous='true' data-sc-item-uri='sitecore://web/{0C088D9E-87F1-4D83-9E44-176E8C20BAF1}?lang=en-AU&amp;ver=1' data-sc-item-id='0c088d9e-87f1-4d83-9e44-176e8c20baf1' data-prebind-sc-latest-version-field-name='fieldTranslator' data-sc-latest-version-field-name='_latestversion' data-sc-rest-endpoint-uri='/coveo/rest' data-sc-analytics-endpoint-uri='/coveo/rest/ua' data-sc-site-name='wtwco' data-sc-field-prefix='f' data-sc-field-suffix='13762' data-sc-prefer-source-specific-fields='true' data-sc-external-fields='[{&quot;fieldName&quot;:&quot;permanentid&quot;,&quot;shouldEscape&quot;:false},{&quot;fieldName&quot;:&quot;_name&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;title&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;page title&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;summary&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;subtitle&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;article-content-type&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;country&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;publication&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;display-date&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;industry&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;topic&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;solution&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;authors&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;solution-title&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;formatted-display-date&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;solution-category&quot;,&quot;shouldEscape&quot;:true},{&quot;fieldName&quot;:&quot;auto suggestion keyword&quot;,&quot;shouldEscape&quot;:true}]' > </div> <script type="text/javascript"> var endpointConfiguration = { itemUri: "sitecore://web/{0C088D9E-87F1-4D83-9E44-176E8C20BAF1}?lang=en-AU&amp;ver=1", siteName: "wtwco", restEndpointUri: "/coveo/rest" }; if (typeof (CoveoForSitecore) !== "undefined") { CoveoForSitecore.SearchEndpoint.configureSitecoreEndpoint(endpointConfiguration); CoveoForSitecore.version = "5.0.1153.1"; var context = document.getElementById("SearchResourcesProperties_d5058afd1f044708a6e2f237f26cea8a"); if (!!context) { CoveoForSitecore.Context.configureContext(context); } } </script> </div> <script type="application/ld+json"> [{"@context":"https://schema.org","@type":"Organization","@id":"https://www.wtwco.com#organization","name":"WTW","brand":"WTW","logo":"https://media.wtwco.com/-/media/WTW/Logo/Logo_Desktop.svg?modified=20240701125225&imgeng=meta_true"},{"@context":"https://schema.org","@type":"WebPage","primaryImageOfPage":{"@id":"https://www.wtwco.com/en-au/insights/campaigns/finance-and-process-transformation#primaryimage"},"@id":"https://www.wtwco.com/en-au/insights/campaigns/finance-and-process-transformation#webpage"},{"@context":"https://schema.org","@type":"ImageObject","contentUrl":"https://media.wtwco.com/-/media/WTW/Social/custom/content-hubs-and-trending-topics/wtw-1024x512_812259756.jpg?modified=20190605195304&imgeng=meta_true","@id":"https://www.wtwco.com/en-au/insights/campaigns/finance-and-process-transformation#primaryimage"}] </script> <!-- WTW START --> </body> </html> <!-- WTW END -->

Pages: 1 2 3 4 5 6 7 8 9 10