Studied economics at St. Gallen University (Switzerland).
Graduated with a lic.oec degree.
Doctorate in economics from St. Gallen University (Switzerland).
1980 to 1983 research assistant at the Institute of Banking and Finance at St. Gallen University.
1986 to 2003 Bayerische Hypo- und Vereinsbank AG, Munich, and prior to 1998: Bayerische Vereinsbank AG, activities included management roles in controlling, corporate, private customer and lending business, most recently divisional board member and Chief Credit Risk Officer.
2004 to 2005 spokesman of the Management Board of the Vereins- und Westbank AG in Hamburg.
2005 divisional board member with Bayerische Hypo- und Vereinsbank AG, Munich, responsible for the "Germany, Corporate Customers and Liberal Professions" business division.
2006 to 2008 Management Board member with Bayerische Hypo- und Vereinsbank AG, Munich.
Responsible for corporate client and commercial real estate business;
Member of the Executive Committee UniCredit Corporate Division.
2008 to 2015 member of the Board of Directors and Chief Risk Officer with Commerzbank AG, Frankfurt.
Since 2016 Supervisory Board member and freelance consultant (Of Counsel).
From 2018 to 2020 Chairman of the Supervisory Board of Commerzbank AG.