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Torben Ostergaard

Lecturer; President and CEO, Spinnaker Insurance Company

Torben is the President and CEO of Spinnaker Insurance Company, a national property and casualty insurance company that underwrites personal and commercial lines and provides access to the reinsurance market.

Torben has more than 25 years of experience as a risk officer working across the banking, insurance and investment management industries.

Prior to his appointment at Spinnaker Insurance Company, Torben was the Chief Risk Officer at USAA and a member of USAA’s Executive Council. Before joining USAA, Torben held leadership positions at HSBC, including Chief Credit Officer at HSBC Financial in Canada. He started his career at Danske Bank in Copenhagen, Denmark and then worked at Fair Isaac (FICO) and Manta Ventures. From 2019 to 2021 he served on Opendoor’s Advisory Board.



  • M.S., Aarhus Business School, Denmark
  • B.B.A., Aarhus Business School, Denmark