Pieter Emmen is the Director of Finance & Risk Management at Achmea Bank. He studied business economics at Tilburg University from 1990-1995 and previously worked at Rabobank from 1995-2016, ultimately as the Director of Group Risk Management. Achmea Bank, which is part of the larger Achmea insurance company, focuses on mortgages and savings with over 200 employees and a balance sheet of 15 billion euros. Pieter discusses the challenges facing banks today such as low interest rates, technology changes, and regulation. He highlights the many internship opportunities available at Achmea Bank in areas like credit risk modeling, stress testing, product development, and data analytics.

1. Achmea Bank
29 September│ Pieter Emmen, CFRO │ Tilburg

2. Introduction
Studied ‘bedrijfseconomie’ in Tilburg 1990-1995
Rabobank (1995-2016)
• Internship at Rabobank
• Director Group Risk Management at Rabobank
Achmea (2017 - …)
Director Finance & Risk Management Achmea Bank
VU Amsterdam (post doc)
Guest Lecturer, Risk Management for financial institutions

3. Achmea in The Netherlands
LEIDEN
AMSTERDAM
LEUSDEN
ZEIST
DE
MEERN
TILBURG
Achmea Bank
LEEUWARDEN
ZWOLLE
APELDOORN
Total number of FTE’s
at Achmea Netherlands
12.311With a premium
turnover of
€18
billion.
Total number of FTE’s
at Achmea Bank
205With a balance sheet of
€ 15
billion
Achmea Bank

4. Why work at a bank?

5. The future of banking

6. Banking challenges

7. Achmea Bank is a mortgage and savings bank
We aim to make this as simple and transparent as possible for our customers.
But that poses challenges!
… and that gives plenty of internship opportunities!
-reaching new clients -scarcity of capital and liquidity
-the low interest rate environment -embedded options
-new technology -Prepayment risks
-building risk models -new wholesale funding
-Data analytics -accurate forecasting
-changing politics and regulation -…

8. Internship opportunities!
 You already now what you want?
 Make it your assignment!
Make your own assignment!
 A-IRB credit scoring modelling
 Improve stress testing parameters
Financial  Find alternative mortgage segments
 Performance management
Analytics
 New product development
 savings market development
Marketing/management/..

9. Last summer I was a summer intern at Achmea Bank.
“My internship assignment consisted of two different parts,
providing me with the insights of different angles of doing a
benchmark analysis. The analyses were challenging, interesting
and gave a good view of a possible assignment one can get in a
future job. All my questions were quickly and well answered by
colleagues, who were helpful and always in for a chat. My
mentor was enthusiastic about having an intern and really into
learning me stuff. All in all, I had a great time and learnt a lot.
Achmea Bank is a great place to do an internship if you ask me!”
Gé Cuijpers, MSc Economics Student atTilburg University

10. Lets meet over coffee!
(or mail)
Pieter.emmen@achmea.nl