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Ghali Er Rafai is a FICC Structuring Analyst at Bank of America since July 2023, previously serving as an Off-Cycle Analyst at the same institution from March to September 2022. Ghali has gained extensive experience in the finance sector, including a role as a Fixed Income Trader Assistant at Amundi from July 2021 to March 2022 and participating in a project with Habiter2030 focused on energy-efficient housing between September 2018 and February 2020. An internship in Asset Management at Société Générale Maroc in early 2019 provided insight into portfolio strategy and financial asset analysis. Ghali holds a Double Degree Master in Management and an MSc in Finance, Financial Economics from EDHEC Business School (2020-2023) and a Master's Degree in General Engineering from Centrale Lille (2018-2021), along with a Baccalauréat in Scientific Mathematics from Lycée Janson-de-Sailly.