ISF2020 International Conference "New generations of consumers of financial services - how we train them, how we educate them" 6th edition

Mr. Nicu Marcu, President of ASF- In June 2020, Mr. Nicu Marcu was appointed by the Parliament of Romania President of the Financial Supervisory Authority (ASF). As President of ASF, he is also a member of the National Committee for Macroprudential Supervision (CNSM). Mr. Nicu Marcu's professional experience includes positions with management and coordination responsibilities such as Vice President of the Court of Accounts of Romania (CCR), Secretary General and Director of the National Agency for Fiscal Administration (ANAF). Mr. Marcu also held the positions of President of the National Integrity Council, Director General of the General Directorate of Budget-Finance and European Funds in the Ministry of Agriculture, Forests and Rural Development. Mr. Nicu Marcu also led, as President, the activity of the Commission for education, science, youth and sports in the Chamber of Deputies. With a didactic and research activity of 20 years in the field of economic university education, Mr. Nicu Marcu held the position of Vice-Rector and then member of the Senate of the University of Craiova, being currently professor of the Academy of Economic Studies in Bucharest and Director of the Doctoral School. Economics II within the Bucharest Academy of Economic Studies. A graduate in Economics and Law, Mr. Nicu Marcu holds a PhD in accounting. He is the author and co-author of several books and articles published in specialized magazines, both in the country and abroad.

Mr. Daniel ARMEANU is the Vice President of the Financial Supervisory Authority (ASF), in charge of the Private Pensions Sector, from November 2018. Previously, starting in November 2014, he was a non-executive member of the ASF Council. With more than 20 years experience in the field of economic university education, Mr. Armeanu is currently a doctoral professor at the Faculty of Finance, Insurance, Banks and Stock exchanges within the Academy of Economic Studies (ASE) in Bucharest. Since 1998, he has been, in turn, trainer, assistant, university lecturer doctor and associate professor doctorate at ASE, but also lecturer at the Romanian Banking Institute and doctoral professor at the Faculty of Administration and Business at the University of Bucharest. Between 2007 and 2013, he acted in two insurance companies in Romania. Mr. ftefan Daniel Armeanu is a doctor and doctoral supervisor in Finance-Insurance of the Academy of Economic Studies. He is a graduate of the Faculty of Finance, Insurance, Banks and Stock Exchange (ASE) and of the Faculty of Mathematics (University of Bucharest), but also of two master's programs. He is a member of the National Center of Excellence in Comparative Management Studies within the Management Faculty (ASE), was a founding member of the Financial-Monetary Research Center of the Faculty of Finance (ASE) and a laureate of Professor Bologna. Since 2009, Mr. Armeanu has been present in the Top 5% of Romanian authors, realized by ROPEC, being author or co-author of over 15 books, but also of numerous articles and specialized studies.

Valentin Ionescu Director of the Financial Stability and Strategy Directorate of ASF and President of Institute of Financial Studies. He has been active for 18 years in various private companies in the country and abroad, in the field of investments in the capital market. In the ASF he held the position of Director of the Directorate for Strategy and Financial Stability. He also held the position of Director of the Integrated Supervision Directorate (2013 - 2014) and Director of the Insurance Regulatory Authorization Directorate (2017-2019). The professional activity also includes positions such as General Manager of the Bucharest Stock Exchange, Member in CA at Sibex, SIF Moldova (2012 - 2013) and Chairman of the Central Depository CA, but also international experience - Euro Invest Bank Gmbh Austria (Head of Sales, 2009 - 2010) and Wood & Co Czech Republic (Senior Sales Trader, 2007-2009). Mr. Valentin Ionescu graduated from the Academy of Economic Studies, Faculty of Commerce, has an MBA from CNAM Paris and a Certificate in Finance from George Town University US. He is an active member of various committees of ESMA and EIOPA. Attends as a guest at the CNSM meeting

Academician Lucian Liviu Albu, economist, full member of the Romanian Academy. He is the director of the Institute of Economic Forecasting, PhD supervisor at the Romanian Academy and founder of the Romanian Journal of Economic Forecasting (the first ISI journal for economics in Romania). In 2000 he was the Minister of Labor and Social Protection in the Isărescu Government, in the period 2010-2019 he was a member of the first Fiscal Council in Romania and since 2019 he is the president of the Scientific Council of the Institute of Financial Studies. He has participated in numerous research projects in the country and abroad (European Commission, World Bank, UN, USAID, Belgian Fund for Scientific Research, Flemish Research Fund, British Academy, CINADCO, GDN, etc.), as well as in foreign exchanges of the Romanian Academy. He has benefited from two long-term research internships through EU projects at the Sorbonne, CEPREMAP (Felow Researcher) and the University of Leicester, CEES (Honorary Visiting Professor), and has collaborated with prestigious Western professors and researchers (including Nobel laureates in economics), participating in more than 100 international conferences (including as a special guest) and numerous scholarships, grants and research internships, at prestigious institutes and universities abroad (mostly in EU countries, but also in China, Switzerland, Iceland, Israel, Russia, USA, Taiwan and Turkey). He is a member of a number of professional, national and international organizations, companies or associations: the National Statistical Council, ARCOR (Romanian Association for the Club of Rome), EcoMod (Global Economic Modeling Network), EGGE, European Union (national expert), The Advisory Board of the Academy of Economic Studies and the Doctoral Schools Council (Finance and Cybernetics and Economic Statistics), the Board of Directors of CNR-CME (Romanian National Committee - World Energy Council, member of the Romanian Academy), The European Academy ), GLO (Global Labor Organization), EBES (Eurasia Business and Economics Society) etc.

Verena ROSS is the Executive Director of the European Securities and Markets Authority (ESMA). She was appointed to the role in March 2011 and joined ESMA on 1 June 2011. She is the first Executive Director of the organisation and forms part of the senior management team along with the Chair of ESMA. The Executive Director has responsibility for the day-to-day running of the organisation. Prior to this, Verena held a number of senior posts in the UK's Financial Services Authority (FSA), with her final position being Director of the International Division from October 2009 to May 2011. Verena was also a member of the FSA's Executive Committee and the Executive Policy and Risk Committees. Verena joined the FSA in 1998 to run the Executive Chairman’s office during the regulator’s start-up phase, and was briefly a seconded advisor to the Hong Kong Securities and Futures Commission in 2000. She subsequently held various positions in the Markets Division and was Director of the Strategy & Risk Division before becoming Director of the International Division. Verena is a German national. Following studies in Hamburg, Taipei and London (SOAS) she began her career at the Bank of England in 1994, where she worked as an economist and then banking supervisor.

Dr. Tim SHAKESBY joined the European Insurance and Occupational Pensions Authority (EIOPA) in December 2013 as Principal Expert on Financial Innovation.He currently is the Head of EIOPA’s Conduct of Business Oversight Unit, driving forwards convergence in conduct supervisory practices across the EU, work on identifying and reacting to emergent conduct risks, and conduct parts of EIOPA’s work on Digitalisation. He previously led work on complex investment products, including chairing the joint European Supervisory Authority (ESA) work under the Packaged Retail and Insurance-based Investment Products (PRIIPs) Regulation. Prior to EIOPA he was seconded to the European Commission for five years, where he worked on asset management and consumer protection issues, including on UCITS and developing frameworks for investment funds focused on growth and sustainability goals. He started his regulatory career as a policy advisor on retail market issues at the UK Financial Services Authority (FSA), where he led work to overhaul rules on projection and cost disclosures for insurance and personal pensions products.

Flore-Anne MESSY is Head of the Insurance, Private Pensions and Financial Markets Division at the OECD. The division covers financial markets, public debt management, insurance, private pensions, long-term and sustainable investment and financing in SME and Infrastructure as well as financial literacy, financial consumer protection and financial inclusion issues. She joined the OECD in June 2000 to develop the activities of the Secretariat for the Insurance and Private Pensions Committee (IPPC). Starting in 2010 she has been steering the work of the OECD financial education unit (including the OECD/INFE and PISA financial literacy exercises) and subsequently the OECD financial consumer protection activities (including the G20/OECD Task Force on Financial Consumer Protection and FinCoNet). Prior to the OECD she worked at Deloitte Touche Tomatsu Audit Paris, in the banking and insurance fields. She graduated from the Institute of Political Studies of Paris and received her thesis in international economies from University Pantheon-Sorbonne of Paris in 1998.

Professor dr. Marian SIMINICĂ activates at the University of Craiova, Faculty of Economics and Business Administration, teaching courses on Economic-Financial Analysis and Financial Diagnosis of the company . He is a PhD supervisor in Accounting. He has a rich experience in university management, holding the position of Vice Dean of the Faculty (2008 - 2012), responsible for scientific research and quality assurance of education, as well as Dean, in 2012 - 2016. He was Vice President of the Board of the Association Romanian Faculties of Economics (2012-2016). He is a member of several professional associations in the economic field, respectively: expert evaluator ANEVAR, being General Secretary of the association in the period 2016-2017; expert accountant, CECCAR member; tax consultant, CCFR member. Since 2014 he is Vice President of the Romanian Society of Economic - Financial Analysis (SRAEF). Since 2017 he is a member of the CNATDCU Commission "Economic Sciences and Business Administration", and since 2018 a member of the Commission of permanent experts ARACIS, contributing to the external evaluation of numerous undergraduate and master's degree programs in economics. He has extensive experience in scientific research materialized in the publication of 7 books and university textbooks, over 60 articles in specialized journals, including 12 articles in Web of Science indexed journals, participation in national and international conferences, participation in scientific research contracts as a grant director or member of the research team. He is a reviewer for several Web of Science indexed journals and a member of the editorial board for several indexed journals in International Databases. The main research directions are: financial performance and business risks; sectoral economic-financial analyzes; business behavior research models.

Mr. Adrian MARIN joined the Generali team in 1996 as an underwriter and subsequently held numerous management positions within the company, from underwriting to damages, thus gaining in-depth experience of the key processes of an insurance company.
In 2008 he was appointed to the Board of Directors, as Executive Director, and in 2011 he took over the position of CEO of Generali Romania.
Starting with 2014, Adrian Marin also became President of the Supervisory Board of Generali Pensii.
Due to an active and long-term involvement in the National Union of Insurance and Reinsurance Companies in Romania, in 2016 he was elected its President.

Alexandra SMEDOIU is a Partner within Deloitte Romania and the Leader for the Real Estate Industry within Deloitte Romania. In parallel, Alexandra leads the practice of tax services in the field of direct taxes within Deloitte Romania. Alexandra specializes in tax consulting for both multinational companies and local entrepreneurs, as well as in international tax structures. Alexandra holds a bachelor's degree in International Economic Relations and a master's degree in International Project Management. Alexandra is pursuing doctoral studies in the field of fiscal policy at the Academy of Economic Studies in Bucharest. Alexandra frequently participates as a speaker at various business events, has written numerous articles and opinions in the local press and has been a lecturer in courses on taxation. She has also been actively involved in projects to amend the legislation applicable to banks, investment funds and insurance companies. Alexandra is also a lecturer at the Romanian-American University, where she teaches international taxation in Master's courses. Alexandra is a licensed Chartered Financial Analyst © and the president of CFA Romania, a non-profit organization that brings together top professionals in the financial services industry. Alexandra is also a member of ACCA, the British Tax Institute (CIOT) as well as the Romanian Chamber of Tax Consultants.

Dorel Mihai PARASCHIV is a Professor in the Department of International Economic Relations and Vice-rector for Relations with the Economic and Social Environment and Student Life at the Academy of Economic Studies in Bucharest. His activity focuses on international trade, international negotiations,
the European business environment. He participated in numerous projects with national and international funding, as a director and team member, with topics such as facilitating the transition from school to active life for students in the field of economics-international affairs, students' access to the labour market, analysis of the evolution and situation of SMEs
and business in Romania etc. He has over 14 years of management experience and has developed consulting skills through involvement in mixed teams, including with international experts. He held the position of director of two CNCSIS research projects, manager of a POSDRU project and member of three POSDRU projects. He has solid experience in supporting students to participate in transnational mobility,
being involved in several projects dedicated to this purpose for both PhD students and postdoctoral fellows.

Mihaela COJOCARU - Currently Director of the Regulation and Licencing Directorate within the Insurance - Reinsurance Sector of ASF. She has 25 years of experience in the field of insurance and reinsurance, both on the Romanian market and in other European markets (France, Italy, Spain). She first graduated from the Polytechnic University of Bucharest, after she attended postgraduate and doctoral courses at the
Bucharest University of Economic Studies, becoming a PhD in 2009.She attended and graduated numerous training programs with CII, Swiss Re, Munich Re and was certified by STECIS Netherlands (The Trade Credit Insurance & Surety Academy) as well as a Certificate in Professional Management (OPEN University Business School, UK). She has also been a specialized trainer in insurance since 1997, in professional
training programs within UNSAR based on the British Know-How Fund - since 2010 she became national accredited trainer.

Dorel Duță is President of UNSICAR, since December 2017, and is the representative of the non-banking financial market in the Coordination Board of the Alternative Dispute Resolution Entity (SAL-FIN). He has a rich experience in the insurance industry of more than 25 years. He has a Bachelor degree in Law, holds a management certificate obtained at The Open University Business School and has a series of specialization
courses in insurance. Since 2000, he has become an associate and director of Hobbit Insurance Broker, the company specializing in the corporate area.

Antonio SOUVANNASOUCK, graduate of the Bucharest Polytechnic Institute, has a career in insurance for over 26 years and is since 1996 Managing Partner at ASIGEST the first brokerage company in Romania. He is also a member of the Board of Directors of ASIGEST Broker SPA, a company with a presence in Italy, Bulgaria, Serbia, Morocco, Germany and Turkey. His long professional experience is characterized by a rich expertise in corporate risks, unanimously recognized in the insurance market. In fact, since 2005 he has been a lecturer at the Institute of Insurance and Pensions, the current Institute of Financial Studies. For two years he has been the President of the Romanian Employers' Association of Insurance and Reinsurance Brokers, an organization of which he is also a founding member.

Alexandru CIUNCAN has over 18 years of experience in the field of insurance and private pensions in Central and Eastern Europe, with expertise especially in the area of ​​business conduct, regulation, consumer protection, media and financial journalism. Starting with September 2018, Alexandru holds the position of General Director of UNSAR - National Union of Insurance and Reinsurance Companies in Romania, and since August 2019 he is a Member of the Board of Directors of ISF-Institute of Financial Studies.
Between 2013 and 2018, Alexandru was a member of IRSG and OPSG, the two groups of Stakeholders within EIOPA - the European Insurance and Occupational Pensions Supervisory Authority, participating in the elaboration and debate of legislation with a long-term impact on the insurance industries. and private pensions. At the same time, he held the positions of Secretary General of APPA - Association for Insurance Promotion - the NGO that developed the first national consumer information and education campaigns - and Managing Partner of XPRIMM,
a Romanian media company specialized in the insurance industry. EEC and EEA insurance.
Alexandru CIUNCAN attended the courses of the Faculty of Management within the Bucharest Academy of Economic Studies, holds a Professional Certificate in Management (OPEN University Business School, UK) and is licensed PMP-Project Management Professional and ACP-Agile Certified Professional (Project Management Institute, USA). ).

Cătălin CÂMPEANU- A specialist in human resources, with over 20 years of experience in personal development and vocational training, including the experience gained at the European Institute of Public Administration (EIPA). He held various management positions in the field, including Director of Development of the National Institute of Administration and has joined the ISF team for more than four years. He has Bachelor degree in Law and a Master degree in Organizational Psychology and Human Resource Management.
He also graduated the public management program - Young Professional Scheme.