Luca Bertalot is Secretary General of the European Mortgage Federation - European Covered Bond Council (EMF-ECBC), a market platform supporting market participants on all issues relating to the retail and funding sides of the mortgage business. Luca joined the EMF-ECBC in 2006, becoming Head of the ECBC in 2007 and Secretary General in June 2014. Prior to this, he worked as a financial analyst at Fondazione Censis - Centre for Socio-Economic Studies and Policies, Gentiloni Silveri & Partners Consulting, a law firm, and in the Italian Ministry of Foreign Affairs. Luca also worked as a consultant in several World Bank’s missions on Housing and Capital Markets issues in Morocco, Brazil and South Africa. Luca holds a degree in Economics and Financial Markets from the University of Rome, Tor Vergata. He also studied at the University of Mannheim, Germany, and at the Wharton School - University of Pennsylvania, in the United States.