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Tim Kaltofen has a diverse range of work experience in the insurance and FinTech industries. Tim joined ELEMENT Insurance AG in 2017 and has held various roles including VP Sales Strategy & Steering, General Manager (ELEMENT Consulting GmbH), VP Clients, VP Innovation, VP Partner Onboarding & Business Development, Head of Partner Onboarding, Head of Product, and Head Of Business Development. Prior to that, they worked at FinLeap as a Business Development Manager, where they were responsible for projects related to InsureTech and designing new business models. Tim also worked at Language Testing Service GmbH as a Junior Developer, creating landing pages for campaigns and developing an online test distribution tool. Tim Kaltofen founded and served as the CEO of derblauefuchs UG, a start-up focused on establishing social media as a sales channel for German insurance brokers. In addition, they worked as a Student Researcher at ITA Institut für Transparenz GmbH, where they analyzed insurance products and applied scientific research in various fields.

Tim Kaltofen earned a Bachelor of Science (B.Sc.) degree in Economics from Humboldt-Universität zu Berlin, which they attended from 2008 to 2012. Tim then went on to pursue a Master of Science (M.Sc.) degree in Economics at Freie Universität Berlin, where they studied from 2012 to 2015.