Raouf Naipal is a Senior Supervision Officer at Autoriteit Financiële Markten, where responsibilities include oversight of (neo)banks, investment firms, and fund management companies. Notable contributions include serving as the AFM representative in the ESMA Investor Protection working group and managing significant projects such as Retail Crypto and the PFOF - Best execution study. Prior experience includes roles in the legal department of SNS Bank and as a Beleggingsadviseur at Robeco. Raouf Naipal holds a Master of Laws (LL.M.) in Corporate Law and a Bachelor of Laws (LL.B.) in Dutch Law from Erasmus University Rotterdam.