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Francesco Pagnoni is a seasoned professional in risk management and internal audit, currently serving as the Responsabile Servizio Presidi Credit Risk and Responsabile Ufficio Presidi Credit Risk within Gruppo Cassa Centrale since September 2020. Prior experience includes roles as Internal Audit Senior at Iccrea Banca S.p.A. and Internal Auditor at Federazione BCC Emilia Romagna. Francesco has also held the position of Responsabile Funzione Anti-riciclaggio at Consultinvest Asset Management SGR SpA, focusing on the implementation of anti-money laundering controls and compliance. Earlier career highlights include serving as Senior Associate Auditor at PricewaterhouseCoopers and a consultant at KPMG Advisory. Francesco holds a Master’s degree in Finance, Management Control, and Auditing from Profingest Management School and a Laurea magistrale in Business Administration from Università Politecnica delle Marche.