Francesca Nieddu has been working for Intesa Sanpaolo since the end of 2005 and is currently responsible for Customer Experience and CRM in the Retail and SME Division of Intesa Sanpaolo Group, the largest Italian retail network. Her department covers all customer segments ranging from mass market customers to mid-corporate clients with up to 350 million revenue. Previously she covered other positions in the same Division and in Banca IMI, she was responsible for the group’s investment banking unit. Before joining Intesa Sanpaolo Group in 2004 and 2005 she worked for the Capitalia Group and was responsible for the affluent segment within Banca di Roma. From 2000 to 2004 she headed Product Management and Marketing Communication in TradingLab Bank, an investment bank of UniCredit Group focused on serving retail banks and offering covered warrants on the main European Exchanges (Italy, Germany, France, the UK). From 1998 to 2000 she worked in the Italian Stock Exchange within the Derivatives Unit, whilst in 1998 she also took a Ph.D. in Decision Theory and Financial Mathematics at the University of Trieste and a DEA in Decision Theory at the Ecole Normale Superieure de Cachan in Paris. In 1995 she was awarded a degree in Economics at Bocconi University in Milan.