Andrea Veltri is Chief Marketing Officer of BNP Paribas Cardif in Italy. Recently he was also appointed Head of Strategy with particular focus on digital transformation and external growth. As a former senior manager of BNL-BNP Paribas he is an Executive Board Member of PerMicro, a European leader in Microfinance. Cardif is among the top ten Italian insurers with a leadership position among bank-insurers and an innovative proposition both in Savings and Protection. Prior to that Andrea Veltri was a Marketing Manager of BNL-BNP Paribas with a responsibility for Lending product, Investments and Protection contributing to the transformation of the Bank after the privatization. He joined financial services after several years in Automotive – Nissan, Ford, BMW – always in sales and marketing positions. This thanks to BBVA who decided to recruit managers from more competitive industries to animate their JV with Banca Nazionale del Lavoro.