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Julia Ripa is a Senior Analyst at Fjärde AP-fonden (AP4) with experience as a Quantitative Analyst at SEB and Nordea. Previously, Julia worked on projects involving data collection and analysis at Crunchfish AB and Ecolean. Julia also served as a member of the sales department management team at Lundakarnevalen. Julia completed their Master's Thesis on 'Exposure At Default During Financial Stress - A Comparative Study' at Lund University.