Fazilya Abdulkafarova, ALMI, ACS, is the Executive Director, Underwriting Research and Development at RGA. With a decade of experience in both traditional and accelerated life underwriting, she has played a pivotal role in crafting comprehensive underwriting strategies and harnessing advanced data analytics and risk management solutions, solidifying her professional standing, and pioneering strategic advancements. Fazilya is widely recognized as a trailblazer in the domain of digital transformation and enhanced underwriting processes, adeptly blending established industry practices with cutting-edge techniques. Fazilya's dynamic personality is marked by an unwavering affinity for technology and an enduring commitment to staying at the forefront of industry trends, reflecting a vibrant and forward-thinking approach to her profession. She actively contributes to industry committees, including the AHOU Technology Committee and the PPR Committee on the American Academy of Insurance Medicine (AAIM). Fazilya's academic background includes a Bachelor of Science in Biology from Temple University.