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Andrew Davies

Andrew Davies, Chief Executive Officer

Since joining VMIA in 2015, Andrew has led the continued development of VMIA’s risk and insurance offering, and, formerly as Chief Insurance Officer, was responsible for the Authority’s insurance, reinsurance, claims and insights activities.

With a background in management consulting and change leadership and having worked globally in executive roles across a diverse range of industries, Andrew brings clear strengths in transformational leadership, a detailed appreciation of VMIA’s operations and a passion for delivering real value for the state of Victoria.



Efy Karagiannis, Chief Officer DBI

Efy is responsible for VMIA’s Domestic Building insurance program, delivering insurance services and solutions to over 15,000 residential builders across Victoria.

She has a genuine passion for leadership and building performance-driven teams who thrive in environments of continuous disruption and constant change. Efy has a Bachelor of Applied Science & Construction Management from RMIT University in Melbourne. Previously a member of the Victorian Architects Registrations Board and National Occupational Licensing Authority, she was awarded the prestigious NAWIC Crystal Vision Award in October 2011.

Efy is also a passionate supporter of advancing women in the construction industry, using her own success as a tool to empower and assist equality to lead with impact and overcome barriers.


Angela Kelly Chief Insurance Officer VMIA 

Angela Kelly, Chief Insurance Officer

Having held senior leadership roles in the insurance industry both locally and across the Asia Pacific region, Angela has extensive experience in delivering traditional and innovative insurance solutions to customers across a broad range of sectors.

Prior to joining VMIA, Angela was CEO of Lloyds of London in Singapore, responsible for coordinating the activities of the Lloyd’s market development, regulatory and compliance, operations and finance teams.

Angela is passionate about the positive role the insurance sector plays in protecting and supporting the ambitions of people, businesses and communities. She has a deep appreciation of how insurance and other risk transfer mechanisms contribute to a resilient State.


Paul Dulfer

Paul Dulfer, Chief Technology Officer

Paul is responsible for VMIA’s technology, leading IT teams delivering solutions and services that support our client needs.

Paul has extensive experience working in Victorian State Government, previously holding Chief Information Officer roles at the State Revenue Office and Emergency Services Telecommunications Authority. He has worked as a consultant and application developer in London and Melbourne across a variety of industry sectors.


Charlotte Mills

Charlotte Mills, Chief Services Officer

Charlotte leads the team responsible for providing risk management and risk transfer advice to our clients.

Charlotte has 18 years’ experience leading consulting teams across various industries including financial services, construction, law and government. Her postgraduate qualification in organisational behaviour is a unique and complementary fit with contemporary risk management theories and methods.


Frieda Esquelin

Frieda Esquelin, Chief Operating Officer and Corporate Secretary

Frieda leads the Business Operations division, responsible for people and culture, communications, government and stakeholder relations, legal, compliance and procurement. Frieda also supports the VMIA Board and has oversight of VMIA’s corporate governance and regulatory functions.

Frieda is a practising lawyer with extensive experience leading legal and corporate functions in the public and private sectors in Australia and the Asia-Pacific. Her career spans industries including business outsourcing, IT, telecommunications, health & safety and insurance.


Wayne Kenafacke

Wayne Kenafacke, Chief Performance Officer

Wayne joined VMIA in 2021 to lead its finance, actuarial and transformation functions. With an actuarial and finance background, Wayne has more than 25 years’ experience across insurance, superannuation, funds management, retail banking and financial advice.

Wayne previously held senior finance roles in the insurance sector and provided strategic consulting services on mergers and acquisitions, capital restructures, and to the superannuation sector.