Bernard Delbecque is Senior Director for Economics and Research at the European Fund and Asset Management Association (EFAMA). Bernard has been a member of ESMA’s Group of Economic Advisers since September 2014 and a member and Vice-Chair of EIOPA’s Occupational Pensions Stakeholder Group since March 2016. As part of his responsibilities at EFAMA, Bernard is in charge of developing EFAMA’s position on pension issues, in cooperation with EFAMA members. In this context, he has participated closely in the discussions in the field of pensions for more than fifteen years, including with regard to the IORP Directive. He has also played a leading role in the development of EFAMA’s proposal to create an EU-Single Market for personal pensions, and the publication of two reports on this subject, in 2013 and 2015: “The OCERP: a Proposal for a European Personal Pension Product” and “Towards a Single Market for European Personal Pensions: Building Blocks for an EU legislation”. Prior to joining EFAMA, Bernard was a policy advisor of the Belgian Minister of Finance and previously he worked as an economist at the International Monetary Fund in Washington. Bernard holds a Ph.D. in economics from the University of Pennsylvania in Philadelphia, and he also teaches economics courses at the Catholic University of Louvain in Belgium.