• Married - with 1 child
• Dual citizen - US and German
• Fluent in English and German; proficient in Dutch
• BA from the University of California at Riverside and MBA from the Wharton School in International Finance

Since July 2018 

• Freelance Consultant, also working with HSO Consulting and lpa
• Facilitator for the Euro Banking Association (Open Forum for Open Banking and Digitalization)
• Coach for the Core Leadership Institute
• Advisor to fintechs such as TIS (Treasury Intelligence Solutions)

• until 6.2018 - ING Bank Germany, MD, Head of Payments Innovation / Head of Transaction Services Sales - both for Germany and Austria
• until 12.2013 - Citigroup Frankfurt, MD, Head of Global Transaction Services, Germany, Austria, Switzerland; Responsible for building and managing public sector relationships
• until 7.2008 – ABN Amro Frankfurt & Amsterdam, ED, Global Head of Compliance for IT, Operations, GTS; Global Head of Implementation Cash & Complex Trade; Head of GTS Germany
• until 5.1998 - Chase Bank AG, Director, Head of Treasury Services for Germany 
• until 1992 - Irving Trust Co./BNY Mellon - New York & Frankfurt - Head of Correspondent Banking Central & Northern Europe; Co-Branch Manager (Geschäftsleiterin), Senior Credit Officer

• Strong sales skills as well as significant experience in implementation, product management & development and client services for all types of clients and industries
• Bridge Builder between cultures and countries as well as the “old” and “new” technologies using innovation and digitalization to take advantage of opportunities
• Significant Human Resources expertise gained by building complex organizations, including hiring & training, assessing, motivating, coaching & mentoring staff
• Risk-savvy: knowledge and experience in credit, regulatory, operational risk
• 30+ years’ experience working in and with financial institutions, corporates, fintechs and the public sector, based in New York, Frankfurt, Amsterdam 
• Senior leadership positions with local, regional and global line responsibilities

Specializing in:

• Transaction Services: cash, cards, liquidity, trade and securities
• Digitalization / Innovation for wholesale and retail clients; emphasis on payments & trade
• Strategic planning and budgeting
• Creating and building departments, divisions as well as organizations
• Compliance, Credit and Operational Risk for IT, operations & Transaction Services
• Coaching, mentoring of staff; career development and succession planning

• Born 1967, married, 1 daughter
• Driven by Client Experience & Satisfaction and smart use of Technology
• > 30 years of experience in the Financial Services Industry and IT-Management (Treasury, Payments & Trade Finance)
• > 10 years of change management experience in large projects & programmes
• Extensive leadership, people development and training experience (teams across Europe & globally)
• Studies of Computer Science & Business Administration, diploma ‘Diplom Witschaftsinformatiker’, European Business School (EBS)
• Bank Apprenticeship, Vereins- und Westbank, Hamburg 

• Senior Consultant @Senior Advisory
• 01/2023 – 07/2024 Head of Middle Office & Client Service for Cash & Trade at Société Générale, Frankfurt / Germany
• 09/2020 – 12/2022 Head of Finance & Senior Sales at Traxpay (Supply Chain Solutions) GmbH, Frankfurt / Germany
• 08/2014 – 08/2020 Managing Partner at HSO Consulting GmbH (Frankfurt) & Freelance Consultant / Trainer
• 11/2008 - 07/2014, Royal Bank of Scotland Plc, Amsterdam, Head of Business Management, Learning & Development and Client Experience, Global Client Service / International Banking; Deputy Head Global Client Service (> 500 FTE)
• 01/1999 - 10/2008, ABN AMRO Bank NV (Frankfurt, London, Amsterdam), various leading positions in Sales, Product Management, Client Onboarding, Investment Planning, project lead Business Banking
• 10/1994 - 12/1998 ABB Treasury Centre Germany: Product Management, Risk Mgmt., Corporate Trading & Treasury Consulting

• Business Development, Sales, Aftersales & Product Management for Cash-, Trade- and Treasury Management products
• Commercial conduct of a Global Service & Onboarding Organisation
• Programme- and portfolio-management of larger Change- und IT-Projects
• Strategic improvement- and repositioning projects (across-Bank) 
• Service- and service-tool development
• Transformation Programmes

• Born in 1967, married, 1 child
• Experience: more than 25 years in the Banking, Wholesale and Retail Industries in different functions and projects
• Extensive and international experience leading projects (DE, AT, LUX, a.o.)
• Degree in International Studies - Business Administration and Social Sciences - "Liceniado en Ciecias Económicas y Empresariales" at the University of Valladolid (ES)

• As of 04/2020 Freelance Consultant
• 04/2006 - 02/2021 Director Customer Payments and Finance, Metro AG, Düsseldorf
• 07/2019 - 10/2020 Commercial Director "Financial Consulting," Metro Austria
• 10/1992 - 03/2006 HypoVereinsbank, Unicredit Group

      - Electronic Business Services

      - Head of Card Systems

      - Head of Credit Cards

      - Product Management Acquiring &        

          Internet Payments

      - Head of Information Services, 

         Communication Department

      - In-house Consultant and Project-    

         Manager, Administration Department 

• Customer Payments
• Risk Management
• Digitalisation
• Project Management (Telephone Banking, External Databases, SEPA)
• Reorganization Projects