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Karen Lo has a diverse work experience in the insurance industry. Karen is currently working at YF Life Insurance International Limited, where they hold the position of Director, Digital Distribution since January 2023. Prior to this, they were a Senior Manager, Digital Distribution at the same company from October 2020 to December 2022.

Before joining YF Life Insurance International Limited, Karen worked at Chubb Life Hong Kong for a decade. Their roles at Chubb Life included Senior Manager, Distribution Application Systems from March 2016 to October 2020, Manager, Distribution Application Systems from April 2012 to March 2016, and Assistant Manager, Distribution Application Systems from March 2010 to April 2012.

Karen's earlier work experience includes positions at Sun Life, where they served as a System Analyst from July 2008 to March 2010, Senior Analyst Programmer from January 2007 to June 2008, Analyst Programmer from April 2005 to December 2006, and Senior Programmer from May 2004 to March 2005.

Karen Lo has a Bachelor of Business Administration (BBA) degree with a major in Information Systems from The Hong Kong University of Science and Technology. In addition to their degree, Karen has obtained two certifications: Professional Scrum Master I from Scrum.org in July 2022 and Professional Scrum Master II from Scrum.org in October 2022.