Joe Asmar is the Group Head of the Facultative division. He leads all facultative division lines across the region. Prior to that, Joe was a Business Development Officer at Alico – Group Management Division and an Account Executive for the Non-Motor Department at Arabia Insurance Company. Joe holds an MBA from the Lebanese American University in Beirut. He also pursued an executive education programme in Transition to General Management from INSEAD and an Associateship of the Chartered Insurance Institute (ACII).