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Joël Bessis is Professor of Finance at HEC Paris, the leading French business school, where he conducts training in risk management throughout Europe, the US and Asia. Over the course of his career Joël has developed a dual expertise – as an academic and as a practitioner, holding permanent consulting assignments in corporations and, later, in banks. Joël worked for over 15 years in risk management departments of financial institutions – as a consultant to the risk departments of several banking institutions in Europe, including Banque Paribas and the European Bank for Development (EIB). Joël took a leave of absence from HEC Paris between 2000 and 2007 where he held positions as Director of Research at Fitch, Head of Risk Analytics and Model Validation at the Risk Department of IXIS, a Paris-based investment bank, and at the Groupe Caisse d'Epargne, a major financial institution in France. Joël graduated as an engineer from École Centrale in Paris, before earning a Master's in Business Administration from Columbia University in New York, and a PhD in Finance from the Université Paris-Dauphine. As an academic, Joël has published various papers and books in the fields of corporate finance, industrial economics and financial markets.