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Prof. Aymeric Kalife is a Partner of the "ID Partners" consulting company specialized in digital transformation, and an Associate Professor in Finance at Paris Dauphine University. He was the Head of Savings & Variable Annuities and deputy Life Group Chief Actuary at AXA Group which he joined in 2007. Prior to AXA, Aymeric was a volatility strategist at Deutsche Bank, a hybrids derivatives structurer at Merrill Lynch, a quant analyst in commodities derivatives at EDF and in interest rates derivatives at ABN AMRO. His research interests are in market liquidity risk for flow / structured products, variable annuities, and insurance policyholders' behavior. He holds masters degrees from Polytechnique, HEC Business Schools, ENSAE, Sorbonne and Science Po, and a Ph.D at Paris Dauphine University & ESSEC business school.