Sonia Consultant fonctionnel AGILE
Master in Mathematic Economy and Econometrics obtained from Economic
Science and management university of Tunisia (ranked First of my promotion).
My master's thesis analyses efficiency of Islamic banks and conventional banks:
a comparative analysis. (With high honors)
2008-2010 Master in Insurance Studies obtained from the Financial and Development
Institute of Arab Maghreb (IFID). National competition (ranked: 2nd of my
Sponsorship: General Insurance Committee (Finance Ministry).
My master's thesis deals with Islamic insurance: a comparative analysis of the
legal framework. (With high honors)
2003-2007 Bachelor Degree in Finance Studies (after 4 years of university studies) obtained
from the Institute of High commercial Studies of Carthage (IHEC). (Top ranked
My dissertation deals with sources of Inflation in Tunisia. (With high honors)
June 2003 High School Graduation Diploma in Mathematics section obtained from the
Menzeh9 school of Tunis. (With high honors)
car insurance, life insurance, Islamic Finance, Corporate finance,, micro insurance,
Statistics, Quantitative methods (Panel data, Time series and data analysis),
Office XP, Word, Excel, Power Point, Access, STATA, SPSS, EVIEWS, SQL
(certificate on analyzing data, detection of anomalies and reporting (SQL)
delivered by Multimedia Management Services Tunisian center).
Arab / French: Bilingual
English Fluent (2 Certificates from British Council: level 5C in General English and
5D on Business English and a Certificate on general English delivered by
St George’s International college (Worthing).
Going on expeditions and traveling: linguistic travel during 20 days in worthingLondon.
Deputy director (vehicle insurance) at General Insurance Authority (ministry of
Member of monitoring committee for central risk establishment in Tunisia in order to
apply bonus-malus MTPL (writing specifications, jobs rules, specifications of software
and hard ware, testing software…) .
Participating on writing legal text (insurance code, Takaful insurance,
Responsible of the study about liberalization of Motor third party liability tariff with
the world bank.
Studying car insurance contracts of insurance companies before their
commercialization into insurance market.
Managing car insurance claims.
Studying car insurance pricing.
Secretariats’ responsible of licensing Insurance intermediaries Commission (headed
by president of General Insurance Committee).
Managing insurance intermediaries’ claims.
Workshop : 2
nd day of Tunisian intermediaries.
16-17 may 2016
Work shop about supervision of anti money laundering in insurance companies (FSVC
26-27 April 2016
Third arab forum of insurance regulatory commissions about “supervisory requirements
and methods to strengthen insurance industry in MENA region”.
13/14/15 April 2016
Casablanca insurance meeting about “how to deal with emerging risks in a globalised
Supervision of technical sheet in life insurance.
14 may 2015
Work shop about fraud fight in insurance industry.
Work trip in Moroccan federation on insurance companies about discovering Moroccan
experience to set up a central risk in order to establish it in Tunisia.
Nov 2013-May 2014
Corporate governance of financial Institutions delivered by World Bank.
- Corporate governance of banks
- Governance of Islamic financial institutions and family institutions
- The role of risk management in effective governance of financial institutions
- The Role of Internal Control & Internal Audit in Effective Governance of
May 2014 Round table about liberalization of motor third part liability tariff organized by Paris
Dauphine University (Tunis Dauphine).
March 2014 Tunisian companies in front of new requirements of transparency and integrity
which initiatives and which solutions? Organized by GIACC (Global Infrastructure anti
corruption centre Mena Regional office)
Perspectives of development of the financial inclusion organized by Micromed
association, GIZ (German cooperation ), AFC (french agency of development) …
October 2013 19th African reinsurance forum.
February 2012 First Tunisian forum of Islamic finance organized by Tunisian association of Islamic
- Basics of Islamic finance
- Islamic Sukuks
- Islamic investment funds
April 2012 Training about Islamic finance organized by national finance school of tunisia and
Assured by the president of Islamic financial council of France.
Training about life insurance assured by M.Bernard Colin (actuary on Natixis insurance)
- Introduction of life insurance
- Actuarial affairs of life insurance
June 2011 Training about International Financial Reporting Standards (IFRS) into insurance and
Best Re (Islamic Reinsurer)
Studying Islamic Family Takaful Reinsurer and preparing my master's thesis (Islamic
Dec.2008 Mediterranean Company of Insurance and Reinsurance (COMAR)
Studying Insurance branches (suscription, claim management, tarification..)
June- July 2008 General Insurance Committee (Finance Ministry).
Studying Insurance legal framework, insurance contracts, Insurant claims..
Juin 2006 Central bank of Tunisia (BCT)
Conducting monetary policy in Tunisia
June 2005 Arab Tunisian Bank (ATB) : Study of the Tunisian banking sector,