Marieke van Berkel has been working in the banking industry for more then 15 years. Starting in European Affairs for Rabobank Netherlands, she changed to the European Association of Co-operative Banks in 2001 where she held various roles. From an expert in payment systems initially, she developed her knowledge to other areas over time and is presently Head of Department Retail Banking, Payments and Financial Markets. She represents EACB in various consultative and expert groups at the European Central Bank and the European Commission and in Boards of industry organisations. Before working in the banking industry Marieke worked from 1995 to 1998 as a senior consultant for Ernst & Young and before that as a project officer in the European Commission liaising with the European Bank for Reconstruction and Development. Marieke holds a Masters Degree in Business Economics/Management Information Systems and an additional Degree in European Studies.