Herman is a qualified Actuary, a certified financial risk manager and is currently studying economics with the London School of Economics. He heads up the ERCM function at QED Actuaries and Consultants and acts as outsourced CRO for some of his clients. Herman started his career at the Regulator where he was a member of the SAM steering committee. Afterwards he worked in various consulting roles and has more than 13 years’ experience in risk and capital management, life and non-life insurance, banking, employee benefits and financial regulation. Herman is passionate about exploiting risk in business and nature. His personal interests include mountaineering, exploration, cycling, photography and reading.