The Joint ESAs Consumer Protection Day 2015





Attendance to this event is by invitation only. 


About The Joint ESAs Consumer Protection Day

Consumer and investor protection is a common statutory objective of the three European Supervisory Authorities (ESAs) - the European Banking Authority (EBA), the European Insurance and Occupational Pensions Authority (EIOPA) and the European Securities and Markets Authority (ESMA). As part of delivering on this objective, and following two successful Joint ESAs Consumer Protection Days (the first one on 25 June 2013 in Paris and the second on 4 June 2014 in London), the ESAs are organising the the third Joint ESAs Consumer Protection Day on 3 June 2015.  

The Joint ESAs Consumer Protection Day is an initiative by the "Joint Committee", which is a forum established on 1 January 2011, with the goal of strengthening cooperation and ensuring cross-sectoral consistency between the ESAs. The aim of the event is to gather consumers, regulators and industry participants together to discuss consumer protection-related issues in the financial services area. 
Contacts and practical information
Please contact the EIOPA Training & Events Team at for further information. 

   See coverage of the the Joint ESAs Consumer Protection Day 2015 on the ESAs websites:


The Joint ESAs Consumer Protection Day 2014

04 June 2014

RIBA at 66 Portland Place, London View location on the map




Please note that participation in the event is by invitation only and no registration fee is required. Participants are responsible for their own travel expenses.*

If you have received an invitation, please fill in the registration form with the provided credentials.

*Only consumers who are members of an officially recognised body in their respective country will be reimbursed. Reimbursement will be subject to conditions.


Download the Programme of the event

Opening remarks by Andrea Enria

Jacques Amselem

  Jacques Amselem
Jacques Amselem has an extensive background and broad experience in Automotive Electronics Engineering. His main responsibility between 1985 and 1999 was to design and integrate safety and security systems for several Tier One and Aftermarket OEM parts and accessories manufacturers in Europe and North America.
In 2000, he was involved more specifically in Implementing Technical Standards (ITS) and Telematics as Technical Director in charge of developing and implementing end-to-end Telematics solutions for Stolen Vehicle Tracking and
Small/Medium size Fleet Management in a French start-up company. Some of the customers and projects were Daimler Chrysler Services (leasing), Ministry of Interior, logistics companies and retail individual customers seeking personal vehicle protection.
In 2002, Jacques joined the Mondial Assistance Group (now known as Allianz Global Assistance) Headquarters in Paris and was handed the responsibility for implementation of telematics services for the group's OEM customers. Pan European emergency call for Mercedes (Teleaid) and complete suite of telematics services for Volvo (Volvo On Call) were the main projects that he led. Since early 2000s, he has been a regular contributor and participant in several standardization initiatives of the European Commission/CEN/Ertico on telematics and eCall.
After having contributed to Allianz Transformation Programs by evaluating possible usage of telematics technologies in the insurance and assistance activities of the Group, in 2006 the Board of Management of Allianz SE tasked Jacques with the responsibility to develop global telematics competency across the Group and implement telematics solutions to serve Allianz entities globally.
Jacques is presently the CEO of Allianz Telematics, a fully fledged Telematics Service Provider located in Trieste.

Wijnand van de Beek

  Wijnand van de BeekWijnand van de Beek manages Strategy, Policy and International Affairs with the Netherlands Authority for the Financial Markets (AFM).

Since 2008, Wijnand has been responsible for strategy and regulation of the retail conduct of business supervision of the AFM. With his team, he manages a broad range of topics: strategic analysis of key risks for consumers in financial services, international and European representation of the AFM, cooperation with the Dutch Ministry of Finance in the field of national regulation, and strategic direction of the AFM conduct of business supervision.

Wijnand joined the AFM in 2003. He was responsible for the introduction of supervision of the Dutch Financial Services Act (Wfd) in 2006. Subsequently, he was responsible for the operational supervision of banks, insurance companies and intermediaries until 2008.
Before the AFM, Wijnand worked with McKinsey & Company for 11 years in research, consulting and managerial roles. Amongst others, he was responsible for building a pan-European research department for the financial services sector, with staff in 10 European financial centers.

Wijnand has a Masters degree in social and economic history. He was born in 1962, is married and has two kids, a daughter and a son.
  Gabriel Bernardino

Gabriel BernardinoGabriel Bernardino is Chairman of the European Insurance and Occupational Pensions Authority (EIOPA). He is responsible for the strategic direction of EIOPA and represents the Authority at the Council of the European Union, the European Commission and the European Parliament.

Gabriel prepares the work of EIOPA's Board of Supervisors and also chairs the meetings of the Board of Supervisors and the Management Board. He is the first Chairperson of EIOPA and was elected by the Board of Supervisors of EIOPA on 10 January, 2011. His nomination followed a pre-selection of the European Commission and was confirmed by the European Parliament after a public hearing held on 1 February, 2011.

Gabriel assumed his responsibilities on 1 March, 2011.
Prior to his current role, Gabriel was the Director General of the Directorate for Development and Institutional Relations at the Instituto de Seguros de Portugal (ISP). He has served in several positions of increasing responsibility since he joined the ISP in 1989 and represented EIOPA's preceding organisation, CEIOPS, as Chairman between October 2009 and December 2010.


Luis Correia da Silva


Luis leads the Corporate Finance and Regulation teams at Oxera and applies his economic expertise to finance, competition, regulation and policy issues across a wide range of industries. His areas of specialisation are financial markets, corporate finance, financial regulation, the impact of corporate taxation and corporate governance. He has also directed policy and research studies for both the Competition Commission and the Office of Fair Trading in the UK, and published on economics and finance matters. He has been involved in UK Competition Commission cases and European Commission regulatory and competition analysis, appeals and arbitration cases and has provided written and oral evidence. He has directed many studies for the European Commission, including on financial services, asset management, state aid, corporate control and has advised financial institutions on state aid matters arising from the global financial crisis.

Luis is a member of the European Securities Market Authority (ESMA) Consultative Working Group, the Financial Innovation Standing Committee. Luis is also a Trustee of Trust for London, an independent charitable foundation which aims to tackle poverty and its root causes among the people of London. He is also a Member of the Advisory Board of the Solvay Brussels School of Economics and Management.

Prior to joining Oxera, Luis was a Researcher at the University of Warwick (1992-1993) and at the University of Oxford (1993 to 1994).

Luis' qualifications include DPhil Economics (University of Oxford), MBA European Studies (Solvay Business School, Belgium), MSc Economics and BA Economics (Université libre de Bruxelles).

Luis has published extensively in a variety of areas, such as asset management, securities markets and corporate finance and regulation.

  Giuseppe D'Agostino 

Giuseppe D'AgostinoGiuseppe D'Agostino is Deputy General Manager at the Italian supervisory authority for financial markets (CONSOB), joined in 1989.

He is currently in charge of carrying out a specific project on investor education (called the "Charter of Investors"), in cooperation with the main Italian consumer associations, aimed at increasing awareness of rights and responsibilities and of financial knowledge, also through the setting up of a dedicated web portal.

With over 20 years of supervisory experience, Giuseppe started his work experience as a manager of inspection teams at the Enforcement Department (up to June 2000); after, he was the Head of the Investment Management Supervision Unit (up to April 2007) and of Intermediaries Division (until September 2011). Throughout this last experience, he contributed to the development of a general logical approach for financial intermediaries' supervision, based on conduct of business controls, including strategic decision-making process examinations and analyses of both internal control and risk management systems.

He is a member of the Joint Committee of the three European Supervisory Authorities, Sub-Committee on Consumer Protection and Financial Innovation, and a member of ESMA Standing Committee on Financial Innovation. He has been a senior member of the CESR/ESMA Expert Group on Investment Management (March 2004 - September 2011) and of the IOSCO Standing Committee on Investment Management (2001-2006).

Moreover, he has been a member of the Italian delegation at the UCITS (i.e. Mutual Funds) Contact Committee of the European Commission (May 2001- April 2004) and at the European Council for amending the Directive on UCITS (September 2000 – May 2001).
Before 1989, he worked for a leading Italian bank within the Planning and Management Control Unit.

Giuseppe earned a degree in Business Administration (Corporate Finance), at Luigi BOCCONI University, Milan, in 1986 (final score: 110/110) and got a MA in Economics of Money, Banking & Finance at the University of Sheffield (Department of Economics) (UK). Previously (July 1981), he got a Diploma of Secondary School (Classical Studies) (final score: 60/60).

His personal interests are mainly related to modern political, social and economic history and international literature.

  Andrea Enria
  Andrrea Enria
Andrea Enria took office as the first Chairman of the European Banking Authority on 1 March 2011. Before that date he was the Head of the Regulation and Supervisory Policy Department at the Bank of Italy.

He previously served as Secretary General of CEBS, dealing with technical aspects of EU banking legislation, supervisory convergence and cooperation within the EU.

In the past, he also held the position of Head of Financial Supervision Division at the European Central Bank. Before joining the ECB he worked for several years in the Research Department and in the Supervisory Department of the Bank of Italy.

Andrea has a BA in Economics from Bocconi University and a M. Phil. in Economics from Cambridge University.
  Monique Goyens
  Monique Goyens
As Director General of BEUC, Monique represents 41 independent national consumer associations in 31 European countries, acting as a strong consumer voice in Brussels, ensuring that consumer' interests are given weight in the development of policies and raising the visibility and effectiveness of the consumer movement through lobbying EU institutions and media contacts.
As a consumer expert and advocate, she was member of the EU High-level Expert Group on reforming the structure of the EU banking sector (Liikanen group) and is a delegate in the Consultative Commission on Industrial Change of the European Economic and Social Committee. She is also member of the EU High-level Group on the sustainability of the food supply chain, of the EU Resource Efficiency Platform and is substitute member of the SEPA-Council. Recently, she has been appointed as Associate member of the EIF Board of Management (European Internet Foundation) and sits on the Advisory Group of the European Commission on the Transatlantic Trade & Investment Partnership (TTIP).
In her capacity as BEUC Director General, Monique is currently EU co-chair of the Transatlantic Consumer Dialogue (TACD) a network of EU and US consumer organisations (, and Treasurer of Finance-Watch (, a public interest association dedicated to making finance work for the good of society. She also represents BEUC at Consumers International, the international consumer organisation (
Apart from championing consumer rights, Monique's passions/challenges are helping her children try to become
  Dr Jesper Lau Hansen
  Jesper Lau HansenDr Jesper Lau Hansen worked as a lawyer before joining the University of Copenhagen, where he has been a professor since 2003.

He works primarily with company law and the regulation of financial markets and securities trading. He is a member of various editorial boards.

Jesper was a member of the Reflection Group on the Future of EU Company Law and has been an academic member of the Securities and Markets Stakeholder Group since 2011, where he now serves as chair.
  Steven Maijoor
  Steven MaijoorSteven Maijoor is the Chair of the European Securities and Markets Authority (ESMA). He took up office on 1 April 2011 and is the first chair of the authority and has been appointed for a term of 5 years. He is responsible for chairing ESMA's Board of Supervisors and Management Board.

Prior to taking up this role, Steven was Managing Director at the AFM, the Dutch financial markets regulator, where he was responsible for, amongst other areas, overseeing the integrity of financial markets, financial reporting and auditing, and prospectuses and public offerings. In his regulatory role Steven has held a number of international positions, including the Chairmanship of IFIAR (International Forum of Independent Audit Regulators).

Before joining the AFM, Steven was the Dean of the School of Business and Economics at Maastricht University, and had pursued a long career in academia which included a variety of positions at Maastricht University and the University of Southern California. He holds a PhD in Business Economics on the regulation of financial reporting from Maastricht University, and is currently a Professor at the Vrije Universiteit, Amsterdam.

Roger McCormick

  Roger McCormick
Roger McCormick is a Visiting Professor at the London School of Economics, where he runs LLM courses on Legal Risk in Financial Markets and Project Finance. He is also Director of LSE's Sustainable Finance Project and Conduct Costs Project. The second edition of his book, "Legal Risk in the Financial Markets" was published by Oxford University Press in December 2010.

Roger retired from full-time private legal practice in 2004, having practised law in the City of London (principally as a partner of Freshfields) for nearly thirty years.

Roger is a past co-chairman of the International Bar Association's Banking Law Committee and recently contributed the UK chapter to the IBA's Task Force Report on the Financial Crisis (October 2010). He is also a past Chairman of the Banking Law Sub-committee of the City of London Law Society. Roger recently advised the Guernsey Financial Services Commission on various aspects of legal risk management and the preparation of a Guidance Note on that topic.
  Oliver Micol
  Olivier MicolOlivier Micol worked for two years in Japan before joining the European Commission in 1996 where he followed in particular the bilateral trade relations between the EU and Asia for 12 years, first in the Directorate General for Trade, then in the EU Delegation in China.

Since 2009 he has been working in the Directorate General for Health and Consumers where he is currently the head of the Financial services and Redress unit.

Olivier graduated from the French National School for Economic Administration (ENSAE) and from the National School for Political Sciences (Sciences Po) in Paris.
  Carlos Montalvo Rebuelta
  Carlos MontalvoCarlos Montalvo Rebuelta is the Executive Director of the European Insurance and Occupational Pensions Authority (EIOPA). In his role, he presides over the day-to-day management of EIOPA. Mr. Montalvo was elected by the Board of Supervisors of EIOPA on 25 February, 2011. His nomination followed a pre-selection by the European Commission. The European Parliament's approval followed an open hearing on 17 March.

Carlos moved to Frankfurt in November 2007 where he has been Secretary General of CEIOPS, the Committee of European Insurance and Occupational Pensions Supervisors. Prior to his current role, Mr. Montalvo was an insurance supervisor for the the Dirección General de Seguros y Fondos de Pensiones (DGSFP), the Spanish insurance supervisory authority. There he headed the International Area of the Supervisory Department and coordinated insurance groups and financial conglomerates related issues.

Carlos is a lawyer with a diploma in economics and has carried out both national and international tasks, such as on-site inspections or participation in different legislative initiatives. He has also been involved in qualitative supervision related issues, including the chairmanship of CEIOPS working group on internal control for insurance undertakings (Madrid Group), and has participated as invited professor in different fora.
  Verena Ross
  Verena Ross

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 the Strategy & Risk Division before becoming Director of the International Division.

Verena began her career at the Bank of England in 1994, where she worked as an economist and then banking supervisor, following studies in Hamburg, Taipei and London (SOAS).

  Jean-Paul Servais
Jean-Paul Servais is Chairman of Belgium's Financial Services and Markets Authority (FSMA), member of the International organization of securities commissions (IOSCO) Executive Committee and of the Chair's Committee of the European Securities and Markets Authority's (ESMA). As Chair of the Investor Protection and Intermediaries Standing Committee (IPISC) established by ESMA, he has been deeply involved in many aspects of regulation designed to deliver greater transparency for investment products by simplifying both structure and cost for the benefit of investors. He is also member of the European Systemic Risk Board (ESRB) and of the NYSE Euronext College of Regulators.
Jean-Paul Servais holds a Masters degree of law from Université Libre de Bruxelles (ULB) and a Masters degree of Economics in Business Management from Vrije Universiteit Brussel (VUB). He is Part-time Lecturer (Professeur) at the ULB (Free University of Brussels) and author or co-author of more than 250 papers, publications and contributions to various national and international colloquia and conferences.

Owain Service

  Owain ServiceOwain Service is the Managing Director of the Behavioural Insights Team and Board Director. Owain was previously a Deputy Director of the Prime Minister's Strategy Unit, where he led programmes of work on public service reform, education, energy and developed the UK's first National Security Risk Assessment as part of the Strategic Defence and Security Review.

Prior to that, Owain chaired European negotiations while at the Foreign Office during the UK Government's 2005 Presidency of the European Union. Owain holds degrees from Cambridge and the London School of Economics and has written widely on public policy strategy and behavioural insights, having co-authored most of the team's papers (including ‘Test, Learn, Adapt', ‘Behaviour Change and Energy Use' and the EAST paper).
  Anneli Tuominen

Anneli Tuominen is Director General of the Financial Supervisory Authority in Finland (FIN-FSA), an integrated authority supervising the banking, insurance and securities sectors in Finland. She has served as Director General since February, 2007 and was recently reappointed for a term of 5 years.  She joined the FIN-FSA already in 1996 and acted as Deputy Director General in charge of the Capital Markets Department.

Prior to joining the FIN-FSA Ms Tuominen worked in the private sector.

Ms Tuominen is a voting member in EBA (European Banking Authority), EIOPA (European Insurance and Occupational Pensions Authority) and ESMA (European Securities and Markets Authority) and a non-voting member in the ESRB (European Systemic Risk Board). She is also a voting member of the Supervisory Board of the Single Supervisory Mechanism (SSM). She is chairing the Financial Innovation Standing Committee of ESMA and the Consumer Protection Sub-Committee of the Joint Committee. In Finland she is a board member of the Finnish Financial Ombudsman Bureau.

Ms Tuominen holds a master's degree in law (trained on the bench) and is also a bachelor of economic sciences.

  Dan Waters
  Dan Waters
Dan Waters is the Managing Director of ICI Global. Dan served as Asset Management Sector Leader at the UK Financial Services Authority (FSA) from 2004-2010, leading the FSA's regulatory and supervisory policy for the asset management industry.

He represented the UK in IOSCO's Standing Committee on Investment Management, leading numerous projects, including chairing the Technical Committee Reports on Valuation of Hedge Fund Portfolios (2007) and Private Equity Conflicts of Interest (2010). He also represented the UK in the Investment Management Standing Committee of CESR (now ESMA), leading significant work in the revisions of the UCITS Directive (UCITS IV).

His involvement in asset management regulation dates back to 1993, when he moved to the United Kingdom to become Director of Enforcement at the Investment Management Regulatory Organisation, one of the processor bodies of the FSA. Dan was the FSA's first Director of Enforcement from 1998-2001 and subsequently took on the roles of its first Director of Regulatory Strategy and Risk and later Director of Retail Policy and Conduct Risk. Prior to coming to the UK, Dan was head of International Enforcement at the US Commodity Futures Trading Commission in Washington. Dan has a Bachelor of Arts in Philosophy, Boston College & Juris Doctor, Harvard Law School.
About The Joint ESAs Consumer Protection Day

Consumer and investor protection is a common statutory objective of the three European Supervisory Authorities (ESAs) - the European Banking Authority (EBA), the European Insurance and Occupational Pensions Authority (EIOPA) and the European Securities and Markets Authority (ESMA). As part of delivering on this objective, and following the successful first Joint ESAs Consumer Protection Day on 25 June 2013 in Paris, the ESAs are organising the second Joint ESAs Consumer Protection Day on 4 June 2014 in London.

The Joint ESAs Consumer Protection Day is an initiative by the "Joint Committee", which is a forum established on 1 January 2011, with the goal of strengthening cooperation and ensuring cross-sectoral consistency between the ESAs. The aim of the event is to gather consumers, regulators and industry participants together to discuss consumer protection-related issues in the financial services area. 
Contacts and practical information
Telephone: +44 (0)207 382 1776
Please find here some useful information regarding accomodation close to the venue: Hotels

   See also the Joint ESAs Consumer Protection Day 2014 on the ESAs websites:


The Joint ESAs Consumer Protection Day 2013

The Joint Committee of the European Supervisory Authorities (Joint Committee) held its first Consumer Protection Day on 25 June 2013 in Paris.

The aim of the event was to provide a forum for exchange and discussion on important and current cross-sectoral consumer issues.


See coverage of the Joint ESAs Consumer Protection Day 2013 on the ESAs websites: