Dr Bart Joosen is the managing partner of FMLA Financial Markets. Prior to founding FMLA Financial Markets Lawyers, Bart spent over 20 years with international firms, managing finance teams. Bart focuses on capital adequacy and capital requirements for banks, insurers, pension funds and other regulated companies and has broad experience in all matters concerning credit risk, market risk, interest risk, currency risk, reputational and operational risk for regulated entities and risk transfer and mitigation. Bart obtained his PhD from Tilburg University. He is a regular contributor to leading Dutch and international legal journals and is a member of the editorial board of and author contributing to a leading commentary on the Dutch Act on Financial Supervision.