Andrea Resti is an associate professor at Bocconi University in Milan. He is an external consultant for Bank Supervision at the European Parliament, independent board member at REV Gestione crediti, and Senior advisor at CRIF, an international group providing credit management solutions. He authored several books on risk management and banking, both in Italian and in English. His main research areas are Credit Risk Management and Measurement, Basel II and the regulation of financial risks, Bank Strategic Management, Quantitative Efficiency Analysis for Banks and multiproduct Organizations. He has been a consultant and economic advisor to the Bank of Italy and to several major commercial banks in Italy. Occasionally, he has acts as an expert on financial crimes on behalf of several large financial institutions and rating agencies, as well as the Italian public prosecutors. He served as the vice-chairperson of the Banking Stakeholder Group at the European Banking Authority.