Patrick de Neef is head of department at De Nederlandsche Bank, responsible for the supervision of Rabobank. He is co-chair of the SSM working group on liquidity and the EBA Internal Liquidity Adequacy Systemic Process (ILAAP) task force and chair of the European Systemic Risk Board (ESRB) funding plan assessment team. Previously, Patrick has been coordinator for liquidity and funding risk within the supervisory policy division and was responsible for the formal introduction of the ILAAP requirements in the Netherlands. Later, he chaired the EBA task force, together with the UK, that produced the liquidity part of the SREP guideline and the funding plan guideline. Recently, Patrick contributed to the book “Liquidity Risk Management and Supervision (2015, edited by Bonner et al). Before joining DNB, Patrick worked for ING after obtaining his masters in financial econometrics at the Erasmus University Rotterdam and made the switch to DNB banking supervision in 2007.