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Andreas Ruben Madsen currently serves as the Group CFO and Group Chief Risk Officer at Alm Brand since January 2016. Previously, Andreas was a Chief Specialist at Nykredit from February 2015 to December 2015, where responsibilities included liquidity and risk management for the Nykredit Bank Group. Prior to this role, Andreas held various positions at FIH Erhvervsbank A/S from March 2008 to December 2014, including CRO and Head of Risk Management, where responsibilities encompassed market and liquidity risk, credit risk modelling, and regulatory capital calculations. Earlier experience includes roles at Danmarks Nationalbank and Finansministeriet, with a foundational background in economics obtained from the University of Copenhagen, complemented by an International Baccalaureate from the United Nations International School.