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Marcel Spee is an experienced risk management professional currently serving as an Expert Risk Manager at Athora Netherlands since February 2021, specializing in financial risk management and asset-liability management. Prior to this role, Marcel held various leadership positions, including Head of ALM Risk at VIVAT and multiple senior roles at SNS REAAL, where significant contributions were made in risk consulting and asset liability management. Marcel’s academic background includes advanced degrees in Economics from The Open University and Electronics from Delft University of Technology, underpinning a robust career that spans over three decades in the financial services sector, with foundational roles in banking and electronic design.