Lowell Cloete

Lowell Cloete is a Co-founder, Board Member and Chief Financial Officer of ELMC Risk Solutions, LLC.

Johannes (Lowell) Cloete is a Co-founder, Board Member and Chief Financial Officer of ELMC. He is also the Chief Financial Officer of all wholly owned subsidiaries of ELMC. His leadership experience of more than 25 years in finance, accounting, due diligence and administration has proven invaluable to the direction of the company. In addition to his financial responsibilities for ELMC he is responsible for overseeing due diligence, human resources, information technology and compliance matters.

Lowell most recently served as a Special Advisor to FOJP Service Corporation and its affiliate Hospitals Insurance Company Inc. in New York City, providers of comprehensive insurance and risk management advisory services to leading academic hospitals, long-term care facilities, and social service agencies in the metropolitan New York area. Lowell previously served as Chief Financial Officer of T&H Group – a top-50 insurance broker based in New York City – from 2007 until its sale to Alliant Insurance Services. As CFO of T&H, Lowell was responsible for finance, accounting, due diligence, human resources, information technology, compliance and the facilities departments. Before T&H, Lowell worked for the International Commercial Lines Group of AIG, where he established the Strategic Risks Analysis Group. He began his career with Deloitte in South Africa, served in their Asia Pacific regional office, based out of Hong Kong and finished his time in their M&A Due Diligence Services Group in New York.

Lowell is a United States CPA, and qualified as a South African Chartered Accountant. He graduated from Rhodes University with a Bachelor of Commerce Honors degree and earned an MBA from the Columbia and London Business School joint MBA program.