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Our Founders

Steve  Carlsen

Steve Carlsen / Co-Founder

Steve Carlsen is a co-founder of Spes Nova, and continues to serve as a Director.  Steve has a 35-year career in the insurance and reinsurance industries, specializing in underwriting, pricing and managing catastrophic risk.  He was an early developer of capital consumption models through the application of modern portfolio theory to insurable risk.  He was a co-founder of Endurance Specialty Holdings (ENH), where he continues to serve as a Director and member of its Risk and Finance Committees.  He also continues to provide consulting services to private equity groups and hedge funds investing in the insurance and insurance services sectors.Steve has an undergraduate degree in Mathematics from Cornell University and received his PhD in Economics from Fordham University in May 2013

Erick  Rengifo

Erick Rengifo / Co-Founder

Erick Rengifo is an associate professor in the Economics Department at Fordham University. He is a co-founder of Spes Nova Inc, a nonprofit corporation whose main goals are to provide funding to microenterprises, assist in market creation, and provide insurance products for the working poor around the world. He is also the founder and director of the Center for International Policy Studies. Professor Rengifo is an active scholar with interests in market development, microfinance, micro-insurance, market microstructure, behavioral finance, risk management, insurance, and econometrics. He is a private consultant in the fields of algorithmic trading, investments, risk management, microfinance and micro-insurance. Professor Rengifo holds a PhD in economics with a concentration in finance and econometrics from Catholic University of Louvain-Belgium.