José Manuel Fonseca is a renowned risk management expert, with more than 35 years of experience in the insurance and risk management industry. 

He was Vice President of FERMA (Federation of European Risk Management Associations) for several years. He founded Apogeris, the Portuguese Risk Management and Insurance Association, which he chaired for 15 years. 

He also founded Brokerslink, a global broking company that manages a network of brokers and speciality risk and consulting firms.

Prior to joining MDS he was responsible for launching bancassurance in Portugal, founded a pension fund management company and was President of a Portuguese insurance company. 

José Manuel Fonseca was honoured as Broker Leader of the Year 2018 by FERMA.