Bermuda · Advisory

AI-Enabled
Transformation
for Bermuda Finance.

Seabright Financial helps Bermuda-based financial services companies — captives, insurers, and digital asset businesses — navigate and implement AI-driven change with institutional rigour and regulatory confidence.

Our Services Speak to an Advisor

15 Yrs

Finance leadership experience

$250M+

Capital raised across high-growth businesses

CPA

Chartered Professional Accountant · Canada

50x

Revenue scale delivered at AI-enabled companies

AI-Enhanced Advisory

Financial Services · Captives · Digital Finance · Regulatory Intelligence

What We Do

Three practice areas.
One integrated team.

Seabright Financial combines deep Bermuda market knowledge with AI-enhanced analysis — bringing together captive insurance advisory, financial services governance, and digital finance into a single, coherent practice.

AI-Enhanced Financial Advisory

Strategic advisory for financial institutions navigating AI adoption — from governance framework design and risk management to regulatory engagement with the BMA and implementation support across operations.

AI Strategy Governance Design Regulatory Advisory

Captive Insurance Advisory

Independent advisory across the full captive lifecycle — from feasibility and structure selection through to ongoing optimisation. Covering single-parent, group, and segregated account structures under BMA supervision.

Feasibility SAC Structures Insurance Act

Digital Finance & Asset Advisory

Advisory on digital asset strategy, DABA licensing, and the integration of digital assets and programmable settlement infrastructure into institutional financial and insurance workflows.

DABA Digital Assets Settlement

AI Governance Advisory

Practical governance frameworks for organisations deploying AI systems in regulated financial environments — covering accountability structures, audit trails, oversight mechanisms, and compliance monitoring.

Accountability Audit Trails Oversight

Reinsurance Analytics

AI-assisted analysis for bordereaux reconciliation, recoverables calculation, treaty review, and catastrophe portfolio monitoring — bringing analytical depth and efficiency to Bermuda's reinsurance operations.

CAT Monitoring Bordereaux Parametric

Regulatory Intelligence

Continuous monitoring of emerging AI regulatory frameworks, digital asset developments, and global financial services regulation — translated into clear, actionable advisory for clients.

BMA AI Regulation AML/KYC

AI Advisory

Intelligence that works at the pace of modern finance.

AI is reshaping financial services, captive insurance, and digital asset markets simultaneously. Seabright Financial helps institutions understand what that means for their governance, their regulatory obligations, and their competitive position.

AI Governance Frameworks

Practical governance structures for AI deployment in regulated environments — covering accountability chains, human oversight mechanisms, audit trail design, and escalation protocols.

Operational AI Integration

Advisory on embedding AI into financial workflows — underwriting, claims, portfolio management, compliance monitoring — with appropriate controls and auditability for regulated entities.

Regulatory Readiness

Preparing clients for the emerging AI regulatory landscape across Bermuda and key international jurisdictions — translating evolving standards into practical compliance frameworks.

Digital Finance Integration

Connecting AI-driven operational workflows to digital payment and settlement infrastructure — enabling faster, more transparent financial operations within Bermuda's regulatory framework.

Practice Area

AI Governance Advisory

Accountability · Oversight · Audit

Practice Area

Captive Insurance Advisory

Feasibility · Structure · Optimisation

Practice Area

Regulatory Intelligence

Insurance Act · DABA · AI Frameworks

Practice Area

Digital Finance Advisory

Digital Assets · Settlement · DABA

Practice Area

Reinsurance Analytics

CAT · Bordereaux · Parametric

Captive Insurance

Independent captive advisory for Bermuda's premier market.

Bermuda is the world's leading captive domicile, with over 600 registered captives writing approximately $30 billion in annual gross written premiums. Seabright Financial provides independent, conflict-free advisory across the full captive lifecycle — from initial feasibility through ongoing programme optimisation.

Feasibility & Structure Selection

Objective analysis of captive viability, optimal legal form — single-parent company, LLC, or segregated accounts structure — and domicile selection for entities considering Bermuda.

AI-Enhanced Underwriting & Analytics

Applying AI-assisted analysis to underwriting decisions, bordereaux processing, exposure monitoring, and reserving — improving accuracy and efficiency within BMA-supervised structures.

Parametric & Emerging Risk Structures

Advisory on parametric trigger design, index-based coverage, and emerging risk lines — connecting captive structures to real-time data sources and modern settlement infrastructure.

BMA Regulatory Navigation

Guidance on Insurance Act compliance, BMA registration processes, and ongoing regulatory engagement — drawing on deep familiarity with Bermuda's captive supervisory framework.

Captive Advisory Services ● Bermuda

Feasibility Assessment Risk profiling · Viability analysis

Structure Selection Single-parent · Group · SAC · LLC

BMA Registration Insurance Act 1978 · Class 1–3

Underwriting Advisory AI-assisted · Exposure modelling

Reinsurance Placement Treaty · Facultative · Fronting

Bordereaux & Analytics AI-enhanced reconciliation

Parametric Structures Index triggers · Real-time data

Statutory Reporting BMA filings · Annual returns

Programme Optimisation Ongoing · Performance review

Digital Asset Integration DABA · Settlement infrastructure

Digital Finance

Advisory for the digital asset
economy in Bermuda.

01 / Digital Assets

DABA Licensing & Strategy

Advisory on Digital Asset Business Act licensing, regulatory compliance, and the integration of digital assets into captive and financial services structures — from initial application through ongoing BMA reporting.

02 / Settlement

Programmable Payment Infrastructure

Stablecoin and tokenised settlement infrastructure enabling faster, more transparent financial operations. Instant parametric claim settlement and real-time reconciliation across insurance and financial workflows.

03 / Tokenisation

Asset Tokenisation Advisory

Structuring and compliance advisory for the tokenisation of insurance risk, captive capital, and reinsurance contracts — enabling fractional ownership, automated settlement, and broader market distribution.

04 / Custody

Institutional Digital Custody

Advisory on institutional-grade digital asset custody design — multi-signature key management, governance document vaulting, and secure credential management for organisations operating digital asset programmes.

Regulatory Framework

Every framework. One advisory relationship.

Bermuda has built one of the world's most sophisticated regulatory environments for insurance and digital finance. Seabright Financial's advisory practice spans the full regulatory landscape — from Insurance Act captive supervision through DABA digital asset licensing to the emerging frameworks governing AI in financial services.

Our approach: we help clients build the governance infrastructure that regulators require today and that positions them well for the frameworks being developed tomorrow.

Insurance Act 1978

BMA captive and insurance supervision. Class 1–3 and Class A/B/C/D/E licence regime. Registration process advisory and ongoing compliance guidance across all captive structures.

DABA 2018

Digital Asset Business Act. Licensing, compliance framework, and operational requirements for digital asset businesses operating under Bermuda law.

AI Regulatory Frameworks

Emerging standards for AI in financial services. Bermuda and international frameworks governing AI governance, accountability, audit requirements, and supervisory obligations for regulated entities.

AML / FATF

Anti-money laundering and counter-terrorism financing. FATF recommendations applied across captive, digital asset, and AI-enabled financial workflows — KYC, transaction monitoring, and reporting obligations.

BMA Sandbox

BMA innovation sandbox access for testing new financial models, AI-enabled services, and digital asset structures under regulatory oversight — prior to full licensing.

Our People

The team behind Seabright.

Brett Williamson, CPA

Founder & Managing Director

Brett is a Chartered Professional Accountant with a decade-long track record of building financial infrastructure inside AI-enabled, high-growth businesses — from a pediatric healthcare platform that scaled 50x in revenue and raised $250M+, to an AI-enabled construction developer managing $300M+ in projects, to a hospitality technology company that completed a $78M exit to Hilton.

That experience — scaling finance functions from the ground up, leading audits for institutional investors, and navigating complex regulatory environments across the US, Canada, and the UK — informs everything Seabright Financial does. Brett founded Seabright to apply those capabilities to Bermuda's financial services, captive insurance, and digital asset markets: bringing AI-native thinking and institutional-grade rigour to advisory clients navigating a rapidly evolving landscape.

CPA · Canada AI-Enabled Businesses $250M+ Capital Raised High-Growth Scaling Digital Finance Bermuda

Zach Stecko

Head of Engineering

Full-stack engineer with a background spanning fintech, AI-enabled platforms, and institutional digital finance. Previously a software engineer at Tetra Trust — Bermuda's institutional digital asset custodian — where he built core infrastructure at the intersection of financial services and digital assets.

Earlier experience at Diversio, developing AI-powered analytics platforms, and a student placement at Hiscox in insurance technology. A Bermuda native bringing deep local market familiarity to Seabright's engineering function.

Full-Stack Engineering Fintech Infrastructure Digital Asset Custody AI Platforms Bermuda

AI-EnabledTransformationfor Bermuda Finance.

Three practice areas.One integrated team.

Intelligence that works at the pace of modern finance.

Independent captive advisory for Bermuda's premier market.

Advisory for the digital asseteconomy in Bermuda.

Every framework. One advisory relationship.

The team behind Seabright.

Ready to navigate AI-enabledfinance in Bermuda?

AI-Enabled
Transformation
for Bermuda Finance.

Three practice areas.
One integrated team.

Advisory for the digital asset
economy in Bermuda.

Ready to navigate AI-enabled
finance in Bermuda?