Dorothee Franzen is Managing Director at Avida International in Germany. She is an international pensions expert with two decades of experience in research and consulting in Germany and the UK. Her work is focused on pension investment, risk management and pension governance and regulation. She is a member of the digitalisation committee at the German Association for Occupational Pensions and is visiting research associate at the Smith School of Enterprise and the Environment at the University of Oxford. Franzen initiated and led the Allianz-Oxford Pensions Conference’ for more than 10 years and has published various papers and articles on pension issues. Previously she worked Allianz Global Investors and HypoVereinsbank where she held senior roles in institutional sales and economics and pension research. Franzen has a PhD in economic geography from the University of Oxford and a Diplom in economics from the University of Munich.