Dr. Dirk Ulbricht was Director and Senior Researcher at the institute for financial services e.V. (iff) from 2016 to the end of September 2019. His work focused on financial services and financially vulnerable consumers.He was project manager of the annual Overindebtedness Report, which scientifically analyzes the situation of overindebted people in Germany. He is a board member of the Prevention Network Financial Competence, a member of the Financial Innovation Standing Committee, ESMA, the Reinsurance Stakeholder Group, Eiopa, a founding member of the citizens’ movement Finanzwende and a member of Inkasso Watch Deutschland. Dirk Ulbricht received his doctorate from the ifo Institute for Economic Research and the Ludwigs-Maximilians University in Munich. His research at the German Institute for Economic Research included economic analysis, real estate markets and private pension provision. He has worked for Allianz as a manager in the office and field service. Dirk Ulbricht has published in Economics Letters, Journal of Comparative Economics, Economics, Journal of Forecasting, Economics Bulletin, Empirical Economics and Small Business Economics and presented his research at major international conferences.