Johan A. Lybeck is the author of The Future of Financial Regulation: Who Should Pay for the Failure of American and European Banks? (2016). He has worked as Managing Director of Finanskonsult AB (Stockholm) and Risk Analysis SA (Brussels) for the last twenty-five years. As an academic, he has been, inter alia, a Chaired Professor of Economics, an Associate Professor of Econometrics and an Adjunct Professor of Finance. His banking career includes positions as Senior Vice President of Swedbank (Stockholm) in charge of financial strategy and Chief Economist at Matteus Bank. He is also a captain and Chief Interrogator in the Swedish Air Force.