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Dr. Ebbe Negenmann, Chief Risk Officer at Aegon Bank. Ebbe has over 15 years’ experience in leading departments in the financial sector. Currently Ebbe is employed as the Chief Risk Officer of Aegon Bank (including Knab). Before he worked as Head of Regulatory Risk at ABN AMRO and was involved in several innovation projects for Risk Management at ABN AMRO bank. Previously he worked as a Managing Director Risk Management at ING Bank in Amsterdam and Hong Kong. Ebbe has extensive risk management knowledge, including strong expertise in Accounting and Regulations. He is well experienced in the 2nd line oversight of all risk categories: Credit Risk, Market Risk (responsible for Asset and Liability Management at ING Bank), Non financial Risk, Real Estate risk, (worked for 4 years as a senior Managing Director at one of the largest real estate companies in the world), Investment Risk (responsible for the risk management of all ING Life investments in the Asia Pacific region), Regulatory Risk (at ABN AMRO), and Model Risk (one of the contributors of this topic at ABN AMRO).