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Cover Feature | The Enterprise Insight – The Most Transformational Women Leaders of the Year | 2023 Edition In a world where speed defines success and complexity shapes industries, the ability to transform—deliberately and effectively—is no longer optional. It is the distinguishing trait of tomorrow’s leaders. Antonia Hock, a globally recognized authority on Customer and Employee Experience, stands at the forefront of this transformation. Not by following trends—but by setting them. Described as a Luxury Futurist and transformational strategist, Antonia has spent years influencing how organizations serve not only their customers but also the teams that power their missions. Her bold leadership style, rooted in vision and action, positions her as a guiding force for organizations seeking sustainable impact and competitive relevance in a fast-evolving marketplace. A Vision Beyond the Present Antonia’s career spans leadership roles at some of the world’s most influential companies—Microsoft, HP, and Siemens—where she mastered the art of scaling global teams, designing powerful experiences, and driving growth through culture and innovation. However, her journey as a changemaker truly accelerated when she launched Antonia J.A. Hock & Associates, a global consulting firm that delivers cutting-edge customer, employee, and luxury experience design. Her firm supports companies in crafting experiences that are not only memorable but transformative—infusing brand DNA into every touchpoint and ensuring that excellence becomes the norm, not the exception. “Transformation must be rooted in action,” Antonia shares. “To me, being transformational is the intersection of bold ideas and execution that creates tangible results.” This statement is more than philosophy—it’s the foundation of her leadership approach. Antonia believes transformation isn’t about waiting for change. It’s about envisioning what’s possible, stepping forward with conviction, and leading others to do the same. The New Leadership Paradigm Antonia’s leadership style reflects a growing truth in today’s business world: success is relational, not transactional. It’s about empowering people, building cultures of innovation, and allowing authenticity to flourish. She encourages teams to question norms, embrace curiosity, and not fear failure—because failure, when approached thoughtfully, becomes the catalyst for breakthroughs. Her approach exemplifies what The Enterprise Insight seeks to highlight—leaders who not only adapt to the future but actively shape it. Championing Experience as a Strategy At a time when experience defines brand loyalty and internal culture determines external success, Antonia brings a rare dual lens: one that elevates both the customer and the employee. She helps companies understand that how you treat your people directly reflects how you treat your customers—and that aligning both leads to exponential value creation. Her clients include industry leaders and ambitious startups alike—companies committed to winning through innovation, empathy, and design. On the Cover—and Ahead of the Curve It is only fitting that Antonia Hock features on the cover of The Enterprise Insight’s special edition: The Most Transformational Women Leaders of the Year. Her work is more than a series of accomplishments—it is a living example of what forward-thinking, human-centered leadership can achieve. “I’m naturally curious,” Antonia reflects. “I constantly ask: What’s next? What’s possible if we thought more freely, more authentically? That’s how transformation begins—by choosing not to accept things as they are.” As industries around the globe continue to be reshaped by disruption and opportunity, Antonia stands as a powerful reminder that the future doesn’t arrive on its own—it is built, one bold decision at a time.

Wolfgang Zulauf stands as a beacon of innovation in the world of international finance. With over 15 years of experience in traditional and offshore banking, Zulauf has redefined the way individuals and businesses approach wealth management across borders. As the CEO of SUISSE BANK, he leads with foresight and integrity, introducing advanced financial solutions tailored for the digital age. His approach blends legacy banking principles with modern technologies like blockchain, digital wallets, and crypto trading.  Through his leadership, SUISSE BANK has become a trusted destination for clients seeking privacy, efficiency, and global financial empowerment. Zulauf’s mission is to simplify offshore banking, making it accessible, legal, and smart for everyone—from global entrepreneurs to individuals preserving family wealth. With a sharp focus on transparency and education, he works to dispel myths about offshore banking and foster a new era of trust in global finance.  His journey from Europe to leading global finance hubs like London, Moscow, and the Middle East has given him a multicultural perspective, helping him cater to an international clientele. Zulauf is not just managing a bank; he is shaping the future of how we interact with money in an increasingly borderless world. SUISSE BANK: Where Technology Meets Trust SUISSE BANK under Wolfgang Zulauf’s leadership is not your average financial institution. It’s a cutting-edge, tech-driven offshore bank that blends security, speed, and simplicity. Designed for both individuals and businesses, SUISSE BANK provides digital banking services that cater to today’s fast-moving world. Clients can open IBAN accounts in EUR, GBP, and USD with ease, thanks to a seamless digital KYC process. Through its secure app, users can manage funds, make international transfers, and monitor cryptocurrency investments in real time.  The bank also offers powerful trade finance tools such as letters of credit and bank guarantees, which simplify cross-border transactions for businesses. What sets SUISSE BANK apart is its holistic approach—offering a one-stop-shop for fiat and crypto operations via a centralized e-wallet ecosystem. Unlike traditional banks that often limit client interaction, SUISSE BANK embraces flexibility, giving users 24/7 access and complete control over their finances.  The bank’s commitment to legal compliance and global standards ensures every client’s money is protected. Zulauf’s forward-thinking vision ensures SUISSE BANK doesn’t just meet expectations—it redefines them. In today’s interconnected economy, SUISSE BANK is truly where technology meets trust. Breaking the Myths of Offshore Banking Offshore banking has long been wrapped in layers of mystery and misunderstanding. Wolfgang Zulauf is working to change that narrative by providing facts, transparency, and education. One of the most common myths is that offshore banking is only for the wealthy elite. SUISSE BANK under Zulauf proves this wrong by offering services with low entry points, enabling freelancers, startups, and SMEs to benefit from international banking.  Another myth is that offshore accounts are illegal or unethical. In reality, SUISSE BANK operates under strict international legal frameworks, ensuring all operations are transparent and compliant. Zulauf emphasizes that offshore banking is not about hiding assets, but about smart financial planning. With secure apps, e-KYC processes, and 24/7 access, SUISSE BANK has made managing offshore accounts incredibly easy.  Through public engagement and client education, Zulauf is leading a new era of offshore banking where knowledge replaces fear. His mission is to help people see offshore banking for what it truly is: a legitimate, secure, and often necessary strategy in today’s global economy. By debunking myths and offering clarity, Zulauf is reshaping public perception and reinforcing trust in the offshore finance industry. Multi-Currency Accounts: A Passport to Global Finance One of SUISSE BANK’s standout offerings is its multi-currency account system, which allows clients to hold and manage funds in EUR, GBP, and USD through a single IBAN account. This service is particularly valuable for global businesses and remote professionals who operate across different markets. Wolfgang Zulauf envisioned these accounts as financial passports—tools that provide flexibility, reduce currency exchange risks, and simplify international transactions.  Clients benefit from instant transfers, lower fees, and real-time tracking via the SUISSE BANK app. For businesses, this means being able to pay global vendors and receive client payments without delays. For individuals, it’s a way to diversify holdings and make smarter spending decisions while traveling or investing abroad.  These accounts are protected by industry-grade security protocols and are managed through a user-friendly interface. Zulauf believes in empowering clients to manage their finances with freedom, and multi-currency banking is a key part of that. This approach is in stark contrast to traditional banks, which often impose high fees and complicated processes. At SUISSE BANK, global finance is simplified, and clients are given the tools to thrive in a connected world. Cryptocurrency at SUISSE BANK: Bridging Tradition and Innovation Cryptocurrency is no longer a fringe asset—it’s part of mainstream finance. Wolfgang Zulauf has embraced this reality by integrating crypto trading into SUISSE BANK’s suite of services. Clients can securely buy, sell, and hold major cryptocurrencies like Bitcoin and Ethereum through the bank’s digital platform. What makes SUISSE BANK unique is its ability to bridge the gap between traditional and digital finance. Clients can easily convert fiat to crypto and vice versa, enabling fast, borderless transactions.  Zulauf’s vision is to make crypto approachable for everyone, not just tech-savvy investors. That’s why SUISSE BANK offers educational tools, real-time support, and a secure trading environment. These services are backed by robust compliance measures and transparent reporting to ensure user confidence. The integration of cryptocurrency is not just about staying trendy; it’s about providing clients with comprehensive financial tools.  By offering both stability and innovation, SUISSE BANK caters to the needs of modern investors who seek diversification, privacy, and speed. Under Zulauf’s leadership, the bank continues to evolve with the digital economy, staying ahead of trends and shaping the future of global finance. E-Wallet Ecosystem: A One-Stop Financial Hub At the heart of SUISSE BANK’s digital transformation is its all-in-one e-wallet—a centralized platform where clients can manage both fiat and cryptocurrency assets. This ecosystem was developed under the guidance of Wolfgang Zulauf to simplify global financial

David Contorno isn’t your average CEO in the healthcare space. As the Founder and CEO of E Powered Benefits, he’s become one of the loudest—and most effective—voices calling for a complete overhaul of America’s broken health insurance system. David’s approach goes beyond patchwork solutions. Instead of attempting to mend a system built to benefit middlemen and corporations, he tears it down and rebuilds it with a new foundation rooted in transparency, human dignity, and measurable outcomes.  In an industry known for complexity and opacity, David provides clarity and innovation. His fight is not just against traditional insurance giants like BUCAH (Blues, United, Cigna, Aetna, Humana); it’s against a mindset that treats healthcare like a profit machine. His work at E Powered Benefits has proven that the cost of care can be drastically lowered while improving quality and access.  By creating plans that eliminate most out-of-pocket costs for employees and reduce employer expenses by up to 60%, David has flipped the old paradigm on its head. And through every step, he’s remained committed to one goal: bringing dignity, affordability, and logic back to healthcare. A Lifelong Journey from Insurance to Innovation David Contorno’s deep understanding of the healthcare system isn’t learned from textbooks or short-term projects—it’s lived experience. Starting at just 12 years old in the insurance business, David gained exposure to the intricate inner workings of the system early on. Over time, his awareness turned into frustration as he realized how the traditional insurance model systematically failed employers and employees alike. Rather than simply moving within the system, David chose to challenge it.  In doing so, he became one of the first in the industry to advocate for value-based insurance design—linking cost to outcome and efficiency rather than inflated fees and outdated codes. That philosophy formed the basis of E Powered Benefits, a consulting firm that builds customized, high-performance health plans that benefit both employers and employees.  His decades of experience culminated in a radical but effective model: eliminate unnecessary intermediaries, provide price transparency, and build incentives around actual health outcomes. This personal and professional evolution has made David a rare voice in healthcare reform: one that speaks with authority, acts with integrity, and delivers transformative results. Redefining Health Benefits with E Powered Benefits At the center of David Contorno’s mission is E Powered Benefits, a consulting powerhouse that proves better healthcare doesn’t have to mean higher costs. Rather than relying on inflated and ambiguous insurance plans, David and his team design employer-sponsored health benefits that are radically transparent, data-driven, and focused on results. Each plan is custom-built to remove unnecessary costs, enhance patient care, and hold providers accountable.  But what truly sets E Powered Benefits apart is its commitment to zero out-of-pocket expenses for many services—a stark contrast to the deductibles and co-pays that burden most Americans. The firm doesn’t just consult; it educates and equips HR teams, executives, and brokers with the tools to manage and sustain these plans. Its methodologies are validated by independent third parties and replicated successfully across various industries.  The firm also hosts educational summits and training programs to spread its mission across the nation. For David, it’s about more than business—it’s a cause. Through E Powered Benefits, he’s empowering employers to stand up to an exploitative system and deliver genuine healthcare solutions to their people, all while saving money and improving productivity. It’s not just a company—it’s a movement. A Leader with Purpose and Passion What distinguishes David Contorno isn’t just his bold ideas—it’s his unwavering sense of purpose. He believes deeply that healthcare should be a tool for healing, not a source of financial ruin. This belief drives everything he does, from negotiating contracts to speaking on stages to personally guiding clients through their healthcare redesign.  David’s leadership is rooted in integrity and accountability. He’s known for asking industry peers, “What health insurance do you use?”—a question that forces professionals to confront whether they trust the very products they sell. And David practices what he preaches: his own health plan reflects the transparency and value he advocates for. Recognized as one of Forbes’ Most Innovative Insurance Brokers, BenefitsPro’s Broker of the Year, and Advisor of the Year by the Validation Institute, David wears his accolades lightly. For him, the real reward is watching families gain access to affordable care and seeing employers take control of their healthcare spending.  He’s not just leading an organization—he’s leading a charge toward healthcare that is compassionate, affordable, and effective. With nearly three decades of experience and a mission rooted in justice, David is shaping healthcare’s future with both his heart and mind. From the Lens to the Labyrinth of Healthcare Interestingly, David Contorno once considered a very different career path: photography. His passion for capturing images with depth and detail now finds new expression in the way he reframes the conversation around health insurance. Just like a good photographer changes the way people see the world, David is changing how people see healthcare.  The same eye for detail and storytelling that once made him love cameras now allows him to see the nuances of healthcare plans and explain them in a relatable, impactful way. His journey from photography back to healthcare reflects a deeper truth: no matter the medium, David is a storyteller at heart. Today, he tells stories of transformation—companies slashing healthcare costs while improving employee satisfaction, workers accessing care without fear of financial disaster, and HR leaders finding a better way to care for their teams.  These stories aren’t just anecdotes—they’re evidence. Each one adds to the growing proof that David’s model isn’t a theory; it’s a blueprint for real, repeatable change. Whether behind a lens or a ledger, David brings the same precision and passion to his work. Aligning Incentives with Outcomes One of the core tenets of David Contorno’s healthcare philosophy is that incentives should drive the right outcomes. In traditional healthcare, the incentives are backwards—hospitals and insurance companies profit when people stay sick longer, not when they get better quickly.

In an industry as competitive and dynamic as real estate, innovation and vision are the keys to staying ahead. At just 24 years old, Alex Leveto has not only proven himself to be a promising leader but also a trailblazer. As the Chief Operating Officer and Vice President at Realty Companies, Alex is bringing fresh energy, deep-rooted purpose, and a transformative mindset to land development and brokerage in the Southeast. His journey is one of strategic thinking, relentless consistency, and heartfelt values—all converging to reshape how we see success in real estate. A Calling Discovered Early While many young adults explore their interests during their college years, Alex found his professional calling at just 18. He became a licensed real estate agent, marking the beginning of a purposeful career shaped by family legacy and personal ambition. Real estate runs in his blood—he represents the fourth generation of his family to pursue it. However, rather than simply walking the path laid out for him, Alex refined it. He carved a specialized niche in zoning land for residential use, focusing on townhomes, condos, and single-family communities. By diving deep into this focus area, Alex did more than gain experience—he developed expertise that set him apart. “When you specialize, you add unmatched value. That’s how trust is built,” he shares. This specialization allowed him to build credibility early in his career and become a go-to expert in his field. His understanding of zoning regulations, community planning, and land valuation has helped Realty Companies serve clients with unparalleled precision and insight. Leadership Rooted in Experience, Not Ego Before he ever stepped into a conference room or signed major development deals, Alex was building teams and sharpening leadership skills in a completely different arena—network marketing. At 16, he was managing a team of over 50 individuals, promoting wellness products and learning the intricacies of human behavior, motivation, and accountability. That experience proved invaluable. “That phase taught me what books couldn’t. It wasn’t about the product; it was about people, mindset, and momentum,” Alex recalls. These early lessons laid the groundwork for his leadership style: grounded, empathetic, and highly strategic. Whether working with senior executives or new agents, Alex leads with clarity and trust, making sure that everyone’s voice is heard and valued. Balancing Ambition with Intention Alex’s life is a reflection of intentional living. While his professional calendar is filled with strategic meetings, property negotiations, and operational decision-making, he equally prioritizes rest, relationships, and reflection. Each weekday is carefully structured—designed not just for productivity, but for long-term sustainability. And on weekends, he disconnects to reconnect, spending quality time with his fiancé and exploring new destinations. “Success feels real when you can enjoy it outside the office too,” he says. For Alex, maintaining this balance is not just about mental well-being—it’s about staying creatively sharp and emotionally grounded. His mindful approach to work-life harmony allows him to lead with both strength and softness, creating a culture at Realty Companies that values people over pressure. Carrying Forward a Legacy, With a Twist of Innovation Alex Leveto is both a torchbearer and a torchbreaker. With a family history steeped in real estate, he honors tradition while infusing it with innovation. From his father and grandfather, he inherited an understanding of the market. But it’s his own strategic foresight that’s scaling Realty Companies to new heights. Under his co-leadership, the firm has grown into the largest land brokerage in the Southeast. In just one year, they’ve expanded their agent network by 20 and closed more than 30 residential development deals. Alex’s ability to identify underutilized land, understand municipal goals, and connect developers with the right opportunities has been key to this success. But numbers tell only part of the story. What really drives Alex is purpose—every deal, every development, is an opportunity to create better communities and sustainable growth. He brings new energy to land brokerage, combining data-driven insights with human-first thinking. Vision Beyond the Horizon While land development remains his forte, Alex is not one to rest on past achievements. His eyes are set firmly on the horizon. His next area of focus is investment sales—specifically in apartment complexes and industrial properties. These sectors demand a different kind of insight, and Alex is ready to bring his analytical mindset and negotiation skills to the challenge. “Adaptability is key. If you want to lead the future, you can’t stay rooted in the past,” he explains. His approach involves not only identifying opportunities but also creating them. He studies trends, anticipates shifts in market demand, and positions Realty Companies to act proactively rather than reactively. It’s this foresight that will continue to make him a standout name in the Southeast’s real estate scene. Wisdom for Future Trailblazers To aspiring real estate professionals, Alex offers advice drawn from lived experience: He often reminds newcomers that success doesn’t come overnight, but with patience, purpose, and passion, anyone can make their mark. A Life of Purpose, On and Off the Clock For Alex, fulfillment is multi-dimensional. While he takes immense pride in his career, his personal life is just as rich. He looks forward to marrying his fiancé, traveling the world, and eventually building a family. Whether it’s a business milestone or a quiet sunset dinner, Alex treats every experience with gratitude. “Life isn’t just about building wealth. It’s about building memories, moments, and meaning,” he says. This philosophy grounds him, reminding him that even in the pursuit of success, joy and connection matter most. Final Word: Foundations for the Future Alex Leveto’s story is one of clarity, conviction, and contribution. At 24, he’s already achieved what many spend decades pursuing—but what sets him apart is not the speed of his ascent, but the depth of his vision. He’s not just closing deals—he’s opening doors to a new standard of leadership in real estate. Whether he’s navigating zoning laws, mentoring agents, or shaping future markets, Alex leads with purpose. And as Realty Companies continues to evolve under his guidance, one thing is

Durana Elmi’s story is a rich tapestry woven from her Afghan heritage and her American experiences. Raised as an Afghan-American woman, she faced the unique challenge of navigating two very different cultures. On one hand were the deep-rooted traditions of her family and heritage, while on the other was the promise of opportunity and self-determination that came with growing up in the West. It was in that space of duality that Durana developed her resilience, empathy, and unique leadership style.  From a young age, she naturally gravitated toward leadership roles—whether organizing school activities, inspiring peers, or setting visions for shared goals. Her strength was not in imposing authority, but in cultivating collaboration. That early spirit of purpose evolved as she partnered with her husband Shahab Elmi to open their first Cricket Wireless store. More than just a business venture, it was a bold leap into entrepreneurship—and a clear statement that success lies in paving your own path.  This moment ignited something deeper in Durana: a desire to create not just businesses, but movements that align with values, empower communities, and bridge gaps between culture and commerce. Cymbiotika: Wellness with a Soul The seeds of Cymbiotika were planted when Durana and Shahab began scrutinizing the everyday products they were giving their children. As parents, they were shocked by the misleading labels, hidden toxins, and lack of transparency within the wellness industry. What started as concern turned into a mission: to develop a brand built on trust, transparency, and truth. Thus, Cymbiotika was born. With a name that reflects the symbiotic relationship between humans and nature, the company stands as a beacon of integrity in an industry often plagued by gimmicks.  Cymbiotika offers bioavailable supplements and clean-living products rooted in scientific innovation and ancient wisdom. Each formulation is meticulously researched, tested, and crafted to nourish the body at a cellular level. There are no shortcuts—no synthetic fillers, preservatives, or half-truths. For Durana, Cymbiotika isn’t just a brand—it’s a movement toward conscious consumerism. Every decision, from eco-friendly packaging to sustainable sourcing, is made with the utmost intention. She believes that when people know better, they choose better. And by offering products that truly heal and uplift, Cymbiotika empowers families to live cleaner, more vibrant lives. It’s wellness, not as a trend, but as a lifestyle. Living the Philosophy Durana Elmi isn’t just a spokesperson for health—she lives the philosophy she advocates. Her daily routine is a reflection of discipline, consistency, and balance. Her mornings often begin with a high-intensity interval training (HIIT) session, setting the tone for a productive and focused day. Physical fitness, she believes, is more than aesthetics—it’s the foundation of mental clarity, emotional stability, and long-term vitality. Evenings are often spent playing tennis or engaging in outdoor activities, prioritizing movement as a way to reconnect with the self. Nutrition plays an equally vital role in her life.  Every ingredient she consumes is carefully chosen to nourish rather than merely satisfy. For Durana, clean eating is not about restriction—it’s about self-respect and intentionality. She sees food as fuel, medicine, and a sacred tool for longevity. This authenticity extends into how she leads her team at Cymbiotika. She doesn’t demand wellness—she models it. Her actions reflect her values, inspiring both her team and her audience to approach health with commitment and joy. In every sense, Durana embodies the belief that wellness isn’t a separate category of life—it is life, infused into every choice and every moment. Five Pillars of Purpose At the core of Cymbiotika’s philosophy are five guiding principles: excellence, community, sustainability, transparency, and knowledge. These aren’t just corporate values—they’re personal to Durana, woven into the DNA of every decision the company makes. Excellence means never cutting corners. From research and development to customer service, the brand holds itself to the highest standards.  The community reflects Durana’s belief that wellness should be accessible and inclusive. Whether through partnerships, outreach, or education, Cymbiotika actively uplifts others. Sustainability is not a marketing ploy, but a responsibility. Every product is packaged in environmentally friendly materials, and operations are designed to minimize ecological impact. Transparency means full honesty—with ingredients, sourcing, and intentions. Every label is clear, every process open to scrutiny. Finally, knowledge is empowerment.  Through content, education, and expert collaborations, Cymbiotika equips consumers to make informed choices. These pillars serve as the foundation for a business that doesn’t just sell wellness but builds trust and long-lasting relationships. Durana sees these not as strategies, but as sacred commitments. Her leadership ensures that every product, policy, and partnership reflects a deeper purpose: to protect people and the planet while promoting a higher standard of living. What’s Next? Wellness for All Durana Elmi’s vision extends far beyond supplements. With Cymbiotika gaining traction as a trusted wellness brand, she’s charting a course into new territories: pet wellness, homecare products, and children’s health. Each expansion is driven by the same philosophy—clean, conscious living for every member of the family. From pet nutrition to non-toxic cleaning solutions, the goal is to make wellness a household standard, not a luxury.  Internally, Durana is committed to nurturing leadership within her team. She believes that true growth happens when people are empowered to lead from where they are. That’s why mentorship, personal development, and collaborative decision-making are central to Cymbiotika’s culture. Externally, she remains focused on delivering innovations that are not only effective but also ethical. Her expansion strategy isn’t about dominating markets—it’s about serving needs with intention and integrity.  Durana’s dream is to normalize clean living across communities, cultures, and income levels. “As our brand grows, so does our responsibility,” she says. And with each new product line, she continues to turn that responsibility into impact—making health, safety, and quality not just aspirations, but realities for more families around the globe. Her Message to the World If Durana Elmi could offer one message to the world, it would be this: Wellness is not about perfection. It’s about progress. She urges individuals to release the pressure of getting everything right and instead