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Raphael Joël Kobler is currently the Deputy Market Head for Private Banking in St. Gallen and a Director at UBS. They have extensive experience in financial consulting and wealth management, including roles as an Associate and Junior Consultant at VZ VermögensZentrum from 2014 to 2016. Raphael is also the Managing Director and Co-Founder of BioMedicine Trading GmbH, a position held since 2015. They serve as a member of the Board of Trustees for the Marlis und Gisela Zingg-Stiftung, overseeing financial affairs. Raphael completed a Master’s degree in Economic Psychology from the Fernfachhochschule Schweiz and a Bachelor’s degree in Business Administration with a focus on Banking and Finance from ZHAW.