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Osvaldo Ramirez is a seasoned executive in risk management and corporate compliance, currently serving as Chief Risk Officer at Universal Insurance Group since April 2022. Ramirez has held various leadership roles including Financial Corporate Compliance Director at Clear Blue Financial Holdings, LLC, and Chief Compliance Officer at Universal Insurance Group. Previous positions include Risk Management Manager at R & R Business & Compliance Consulting, Inc., where consulting services were provided for business development and regulatory compliance in the insurance sector. Additional experience includes general management at Concierge Health Corporation and executive duties at the Puerto Rico Department of Insurance. Osvaldo Ramirez holds a JD from New York Law School, an MBA in Management from Strome College of Business, and a BA in Political Science from the University of Michigan.