Berend Ritzema is a Manager at Deloitte Risk Advisory. As part of the Market, ALM & Trading Risk team in the Netherlands, Berend advises banks across Europe on ALM risk measurement and risk management topics, thereby bridging the gap between modelling and strategy. Berend is experienced in managing model development, validation, and risk management related projects for market, interest, credit, and liquidity risk at banks of different sizes across Europe. He is an expert in econometric and financial modelling and has extensive experience with methodologies for ICAAP/ILAAP and related supervisory expectations.