Luca Serafini

Luca Serafini

Head of the Retail Payment Instruments and Services Directorate

Born in Benevento in 1970, he has served as Head of the Retail Payment Instruments and Services Directorate since September 2026.

He graduated with honours in Economics in 1994 from the Second University of Rome 'Tor Vergata' and obtained a postgraduate specialization in Economics and Finance of Financial Markets and Intermediaries in 1996 from 'LUISS School of Management' in Rome.

He joined Banca d'Italia in 1994, where in his early years he worked on credit and financial statistics, with a particular focus on the construction of monetary aggregates. In 2006, he was assigned to the Banking and Financial Supervision Area, where he dealt with accounting and prudential regulation as well as supervisory reporting. In this capacity, in 2019 he became Head of the Financial Statements and Supervisory Reporting Division within the Regulation and Macroprudential Analysis Directorate.

In 2021, he was appointed Head of the International Regulation Division, responsible for coordinating Banca d'Italia's participation in international cooperation fora on supervisory regulation. In 2023, he was appointed Deputy Head of the Regulation and Macroprudential Analysis Directorate, with responsibilities covering national and international rule-making, institutional relations with public administrations and other Italian and foreign supervisory authorities, macroeconomic and financial studies, methodologies and risk analysis.

He has represented Banca d'Italia in several working groups of the Basel Committee on Banking Supervision (BCBS), the European Banking Authority (EBA), the European Systemic Risk Board (ESRB), and the Single Supervisory Mechanism (SSM). As Chair of the relevant working groups, he contributed to defining the leverage ratio rules introduced under the Basel III framework, supported the BCBS in analyses related to the implications of the 2023 banking turmoil, and coordinated the annual meetings (as required by EU Regulation No. 537/2014) between the ESRB, the Committee of European Auditing Oversight Bodies (CEAOB), and auditors of systemically important financial institutions.

He is the author of numerous publications on financial and regulatory topics.