Sergio Carfizzi was the General Manager of two important Italian Pension Funds: Banco di Napoli from 2001 to 2007 and Cooperative Credit Banks from 2008 to 2022. Carfizzi has had a long banking career at high levels in Naples, Milan, London and New York International finance is the principal focus of his expertise: financial instruments, private equity, private debt, real estate, npl, secutitisation etc. He has been the winner of numerous international awards. He is a professor of economics and business management. Carfizzi is currently an independent international advisor ESG.