Najat El Mekkaoui de Freitas is professor of economics and research fellow at the University Paris Dauphine (LEDa-DIAL Economic Department) and visiting professor at NOVA IMS. Najat graduated from Pantheon-Sorbonne, M-Phil, and completed her DPhil (PhD) in economics from the University Paris-Dauphine. Her research focuses on the economics of aging, demographic changes and social security programs. She is research fellow at EMNES, Economic Research Forum (ERF) and NETSPAR and she is involved with the UN-ESCWA. She is member at the Board of Central Bank in Morocco and at the scientific council at the Financial Market Authority, the AMMC. Each year she coordinates an International Conference on Pension, Insurance and Savings.