I'm Michael Guiao, a Senior Cyber Risk Engineer at Zurich Insurance based in Cologne, Germany. I spend my days conducting technical cyber risk assessments for multinational organizations across industries ranging from manufacturing to financial services.

Before Zurich, I worked as a Cyber Risk Specialist at AXA, an IT Auditor at Xella Group, and a Consultant in Financial Services Risk Assurance at PwC. That path gave me a front-row seat to how organizations actually deal with cyber risk — the good, the messy, and everything in between.

On the side, I build AI automation tools — not just for insurance, but across operations, marketing, and ecommerce. I'm especially interested in how multi-agent AI systems can streamline workflows that traditionally require too much manual effort.

Resiliently is where I share what I'm learning — from hands-on risk engineering work and regulatory developments like NIS2 and DORA, to experiments with AI automation across different industries. The goal is to make these topics accessible and practical.