After Ralph Mulder obtained a pre-university certificate he has studied European studies. He became a certified insurance advisor for indemnity as well as life insurances and is a registered financial service provider in The Netherlands. Several years he advised private-sector clients & SME at an insurance intermediate in the city where he also lives with his family, The Hague. In 2011 he joined energy company E.ON Benelux based in Rotterdam and is employed as an Insurance & Subsidy Manager. Since 2014 he is part of the Scientific Committee at FERMA and recently appointed as one of the members of the Board at NARIM.