Team               Kerstin Koechli born in 1961, joined KoTrusco Ltd in March 2010. Originally from Germany, she has been living in Zurich since 2007. Kerstin has worked 19 years for international insurance companies in Germany and Switzerland and became a specialist in life and health insurances. During this period her professional activities were continuously broadened by various educational programs. Kerstin’s mother tongue is German. She also speaks English and understands Swiss German. She has a daughter and is passionate about tennis, music, travelling and her little Pekingese.           Natalia Semenova born in 1973, joined our team in May 2011. Originally from Russia, she has been living and working in Zurich since 2000. During this time she has worked for financial services companies and has gained substantial experience in the areas of banking, administration, account management, customer support and family office services. Natalia holds a Bachelor of Arts degree in the English Language from the Institute of Foreign Languages in St. Petersburg, and has successfully completed numerous on-the-job trainings.  She is fluent in Russian, French, German and English. She has two children and among her many interests are tennis, figure skating, reading, travelling and photography.