GwG Experts in Germany
matched in minutes with vetted, available freelancersHire experts who design anti-money-laundering controls, interpret customer due diligence duties and prepare audit-ready documentation under the German Geldwäschegesetz. FRATCH connects you quickly with precise matches from vetted, available freelancers.
Meet FRATCH Experts in Germany, who have recently used GwG
Marcus B.
Last position:
Java and Quarkus Expert at Large German energy service provider
- Modernization of a large-scale Java enterprise application*
The project is modernizing a complex enterprise application that has grown over many years. The existing Spring-based legacy system runs on Java 8, OSGi, and Eclipse RCP and is being gradually migrated to a modern, maintainable architecture with Java 25 and Quarkus.
Marcus works on analysis, architecture, refactoring, and implementation. One focus is on untangling historically grown structures and dependencies and on building a clean, sustainable Java and Quarkus technology stack.
Tools & technologies: Java 8, Java 25, Quarkus, Hibernate ORM with Panache, EclipseLink, OSGi, Eclipse RCP, Maven, JUnit, Mockito, REST, JSON, Git, Eclipse IDE, IntelliJ IDEA Ultimate, Jira, Confluence
Manfred P.
Last position:
Senior IT Project Manager EfA / OZG Online Services at Senatskanzlei ITD Hamburg, Dataport, Police Hamburg
The online service "Special Use of Streets and No-Parking Zone" was in a partially completed state. The following tasks had to be carried out to reach final completion:
- Preparation of an expert report on the status of the online service, and recommendations for action
- Ensuring that all LEIKAS to be used are available (service catalog / service descriptions of the authorities)
- Creating and aligning concepts for complex IT projects (business/IT concepts, architecture, interfaces, roadmaps)
- Requirements management
- Multi-project management with 3 stakeholders (Police, Dataport, development company)
- Determining resource needs
- Coordination to identify technical requirements through the IT architects
- Creating use cases and test cases
- Creating action items
- Managing external IT service providers
- Coordination and management of all activities
- Conflict resolution / business mediation
- User Acceptance Test (UAT) and acceptance by Hamburg Police (Traffic Directorate, Policy Department, Central Road Traffic Authority)
Technical environment: .NET, EfA minimum requirements, Leikas, Administrative Procedure Act (VwVfG), HWG (Hamburg Roads Act), Atlassian Jira, Confluence, MS Office
Matthias O.
Last position:
IT Project Manager at IT service provider
Implementation of anti-money laundering requirements in accordance with AMLA/KYC for an international large bank in Munich
Services provided:
- Clarification of the assignment, definition of the work package structure for the AMLA/KYC implementation project
- AI-supported project planning using my own AI workflow for project management
- Creation of the project management plan
- Resource and capacity planning
- Development of collaboration structures between IT service provider and bank client
- Alignment of responsibilities (RACI matrix)
- Management of 5 project members (core team)
- Project control, project monitoring, project reporting
- Communication management
- Escalation management
- Stakeholder management (11 stakeholders)
- Permanent member of the steering committee
- Project representation internally and externally
- Project reporting, management of decision-making bodies
- Project volume: 506 person-days (development effort)
- Risk management
- Quality management
- Organization and running of workshops
Methods: PMI PMBOK, EVM, GWG, DORA, BAIT, KANBAN, AML, AMLR, AMLA, GWG, KYC
IT environment: JIRA, Confluence, Sharepoint, Kantata Kimble, AI LLM Copilot, ChatGPT, anti-money laundering systems (in-house developments and SMARAGD)
Kai S.
Last position:
Demand Manager, Analyst, Process Consultant
- Integrating system architecture, business analysis, requirements engineering, and process consulting
- Managing business unit needs toward IT and implementation
- Capturing requirements in JIRA and breaking them down into epics
- Overseeing internal projects and programs, including stakeholder management and reporting
- Handling requirements from traditional IT developments to IoT integrations and SAP subsystem replacements
- Implementing current legal regulations (MAKO, EnWG, EEG, GWG, StromGVV, GasGVV, StromNEV, GasNEV)
- Applying agile methods (Agile, SAFe, ITIL, Scrum, Kanban, DDD, IaC, CI/CD, DevOps, automation, ETL, OOA, OOD, MDA, BPMN, BPM, UML, marketing automation, data science, ML, AI, GenAI, LLMs)
- Using tools like JIRA, SharePoint, MS Office, MS Project, MS Dyn CRM, VMware ESX/ESXi, BSI IT-Grundschutz, BSI C5, NIST, MS Azure, Typo3, mail automation, Docker, Kubernetes, OpenStack, OpenShift, Terraform, Ansible, SQL, REST, SOAP, Git, GitLab, LoRaWAN, SAP IS-U, S/4HANA, USU, KUGU, AbSys, sensors, MQTT
Björn K.
Last position:
Product Owner at ING Retail Bank
Organizational and technical process development and design of the digitization and online use of bank mandates. Responsible for accurately capturing requirements in Epics and User Stories, including backlog management, MVP, implementation support, and end-to-end testing of the implementation according to the SAFe Agile Framework methodology, creating process and interface documentation, and sprint demos. Established a knowledge management system based on Confluence and SharePoint, including employee training and workshops.
Manfred L.
Last position:
Senior Consultant Information Security at Creditplus Bank AG
- Designing the information security process based on ITIL 4
- Designing the ITIL 4 incident and change management processes
- Creating information security policies for the bank
- Support in the project for internal audit findings
- Advising on the setup of the bank's internal control systems (ICS)
- Advising on setting up ICS processes
- Advising and supporting security architecture and risk analysis of the existing IT landscape, including IT security architecture, data management, data compliance & physical security
- Advising and project leadership for the security concept of the bank's assets
- Advising and support in contracts with external service providers to meet the bank's regulatory (BAIT; MaRisk; DORA; NIS2; GDPR) and information security requirements
- Support in planning and implementing a SOC/SIEM and risk management
- Support for the spam email team in analyzing and handling incidents
Ina R.
Last position:
Consultant at ALL AML GmbH
- AML consultancy services, including setting up AML risk management, developing policies, procedures and controls, designing and undertaking employee trainings
Klaus-Dieter K.
Last position:
Executive Partner at iAP-Independent Audit Professionals GmbH
David P.
Last position:
Consulting, project management & sales at Equinox FinTech Solutions GmbH
Yann K.
Last position:
Freelance Management Consultant at Kissel Business Consulting
Jul 2024 – Feb 2025 Transformation (NDA – Clients)
Implementation of the value creation plan in a private equity-backed industrial company
Served as Interim Transformation Officer; responsibilities: central project management including timeline, budget, resources, reporting, risks
Oct 2023 – Apr 2024 Sourcing, Regulation (Retail Bank DE)
Change Lead for the implementation of a regulation (CESOP), responsible for project governance, project controlling (budget, resources) and project reporting, stakeholder management, timeline and project risks
Drafted SLAs and aligned with relevant 2nd lines (Legal, Compliance, Tax, Third Party Risk – MaRisk BAIT, ORM) for sourced services; aligned on the Statement of Work
Apr 2023 – Aug 2023 IT Program Management (Retail Bank DE)
Local coordinator for the rollout of a project management software combining program and agile backlog management views
Responsible for migration preparation, communication of changes and new logic in Germany, stakeholder management
Oct 2022 – Aug 2023 Regulation (Retail Bank DE)
Local lead of the global program; combined 4 local projects (retail/wholesale banking) to implement the next generation messaging standard (ISO 20022)
Implemented local project governance, communicated progress, aligned and managed stakeholders with global HQ
Jul 2022 – Mar 2023 Digitalization, Data Management (Retail Bank DE)
Change Lead aligning the local retail data model to the global standard and its implications for internal data providers and consumers
Designed and aligned a detailed implementation plan with global and local stakeholders
Project management: set up new project governance and routines, reviewed progress in weekly meetings with product owners, chaired SteerCo meetings, documentation
May 2022 – Apr 2023 KYC Regulation, Process Management (Retail Bank DE)
Built a highly automated customer offboarding process for retail clients due to non-compliance
Change Lead in development, testing and implementation in an agile environment with a 40-FTE project team
Project management: held SteerCo meetings, accountable for the business case, project risk management, stakeholder management
Jan 2022 – Mar 2022 Strategy, Product Development (NDA - Exchange)
Coordinator in the concept phase for developing a cryptocurrency certificate with an external investment bank
Orchestrated 5 workstreams, provided overarching PMO and stakeholder management
Created the business case and aligned strategic options
Oct 2020 – Oct 2021 Business Transformation, Sourcing (Largest German Bank)
Implemented the organizational target operating model for KYC Germany as project manager
Managed staffing and location setup (hired 250 FTE, logistics for new site)
Built the KYC competence center for German large caps (department, team, roles) process-wise and organizationally
Advised on contract negotiations with procurement for sourcing an external KYC provider
Jan 2020 – Sep 2020 Digitalization, KYC Regulation (Largest German Bank)
Germany coordinator (project manager) in an agile project to introduce an AMLD-5 compliant KYC software (MVP)
Stakeholder management as nexus between local staff and management (back & front office), global project management, product owners, IT
Incident management (capture, prioritization, tracking) with JIRA
Jan 2018 – Jun 2019 Business Transformation, Tax Evasion Prevention Act Regulation (Largest German Bank)
Led the implementation of the Tax Evasion Prevention Act in the global Corporate & Investment Banking division
Analyzed legal requirements and developed a control concept in alignment with business and infrastructure units
Successfully implemented IT and process solutions within budget and timeline; prepared initial regulatory reporting to the Federal Central Tax Office
Project management: initiation, chaired SteerCo meetings, communication
Dec 2016 – Dec 2017 Business Transformation, Banking Separation Act Regulation (Largest German Bank)
Led the implementation of the Banking Separation Act in the global Global Transaction Banking (GTB) division
Developed target operating model and process design (control concept) in coordination with IT and 2nd lines (Legal, Compliance)
Successfully implemented changes in business units and IT per regulatory requirements
PMO and represented the internal GTB project management in committees
Jul 2015 Project Management (Largest German Bank – Asset Management)
Implemented an asset management front-office system
Interim head of the global PMO (Frankfurt, New York) with 4 staff
Planned milestones, budget, regular reporting
Prepared, attended and followed up on senior governance meetings
Apr 2015 – Jun 2015 M&A Consulting – Due Diligence (NDA – Asset Management)
Led a European operational due diligence (buy side) for a European asset manager back-office provider
Produced red flag reports: screened data rooms, assessed organizational structure, identified risks in acquisitions
Designed operating model scenarios for operations including business case
Jan 2015 – Feb 2015 Target Operating Model (Largest German Bank)
Conducted market and competitor analysis to realign multiple securities processing units (private & corporate clients)
Ran a strategy workshop to develop a new target operating model for securities processing
Jan 2014 – Dec 2014 M&A Consulting – Post Merger Integration (Largest German Bank)
Organizational restructuring and group integration during the post-merger integration phase
Deputy project manager leading 4 staff in the Integration Management Office (status reporting, attended sponsor meetings with senior management)
Advised workstreams on cost reduction, synergy realization and business case controlling across 11 subprojects
Feb 2013 – Dec 2013 Sourcing (State-owned Resolution Agency)
Coordinated sourcing activities for the bankwide service-level agreement (SLA) creation with an external service provider
Checked SLAs for completeness and consistency, facilitated cross-functional alignment within the bank
Advised on preparing negotiation positions and participated in discussions with service providers and senior management
Jun 2012 – Jan 2013 Sourcing (State-owned Resolution Agency)
Developed site strategy: scenario analysis for European locations and created business case
Advised and prepared tender and contract documents per EU procurement rules for outsourcing portfolio management services
Led a team in drafting portfolio management service-level agreements
Mar 2012 – Jun 2012 M&A Consulting – Carve-Out (Largest German Bank – Asset Management)
Global carve-out of the institutional asset management business to a US investor
Led the global operations workstream focusing on 3rd-party contract review, portfolio analysis, drafting and negotiating transitional service agreements
Oct 2011 – Feb 2012 Regulation (various banks)
Central support for FATCA project teams with technical work and Deloitte position papers
Conducted client workshops for a cooperative bank on FATCA strategy for foreign financial institutions
Process redesign and advisory support during implementation
Jul 2011 – Oct 2011 M&A Consulting – Carve-Out (Life Insurance)
Planned and prepared an M&A carve-out transaction
Analyzed existing processes and defined target processes; facilitated cross-functional workshops and created day-1 checklists
Operationally led the PMO with 3 staff for the carve-out (prepared and participated in steering committee, developed project plan)
Feb 2011 – Jul 2011 Project Management (Life Insurance)
Operational leadership of the PMO, project risk management
Prepared post-merger integration steering committee at C-level
Project reporting, stakeholder management, project and budget controlling
Nov 2010 – Jan 2011 Securities Processing (Landesbank)
Created data processing and business concepts for securities trading
Designed test cases for IT interfaces
Independently coordinated test execution with business requirements
Sep 2010 – Oct 2010 Project Management (Asset Manager)
PMO for introducing an independent P&L
Budget tracking, prepared and documented steering committee
Dirk S.
Last position:
Managing Partner at SPOT Management GmbH
Discover over 15,000 top freelancers
Statistics of experts using GwG
Aggregated from the professional profiles of matched freelancers.
Experience
26 years
Position duration
3.7 years
Positions per freelancer
14
Top business areas
Information Technology, Project Management, Strategy
Top industries
Banking and Finance, Information Technology, Insurance
Certification focus areas
Project Management, Information Technology, Business Intelligence
Bachelor's degree or higher
89%
Master's degree or higher
67%
Doctorate
11%
Certifications per freelancer
8
Most common languages
German, English, French
Speak two or more languages
100%
Based on our profile pool as of 19 Sep 2026.
Daily rate distribution
The chart shows how the daily rates of freelancers in this technology in Germany are distributed, based on recent contracts on our platform. Each bar covers a rate range — its height shows how many freelancers charge within that range.
Average rates of experts in Germany using GwG
Rates are based on recent contracts and do not include FRATCH margin.
The average daily rate is the mean of all daily rates from recent contracts of comparable freelancers on our platform.
The median daily rate is the middle value of all daily rates — half of comparable freelancers charge less, half charge more. Unlike the average, it is barely affected by outliers.
Calculated based on our freelancers’ daily rates as of 19 Sep 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
GwG experts industry focus
See which industries our matched freelancers work in most often — every figure is calculated live from the freelancers on FRATCH.
- Banking and Finance (82%)
- Information Technology (64%)
- Insurance (45%)
- Professional Services (45%)
- Telecommunication (36%)
- Aerospace and Defense (27%)
- Energy (27%)
- Media and Entertainment (27%)
Please note that freelancers can work across multiple industries, so percentages overlap.
About the technology
Scope of the GwG
The GwG, short for Geldwäschegesetz, is Germany’s central Anti-Money Laundering Act. It defines duties for obliged entities that must prevent money laundering and terrorist financing. Its requirements cover risk management, customer due diligence, suspicious activity reporting and record retention.
Risk management
Companies use the GwG to establish a risk-based compliance framework rather than a single checklist. Experts assess customers, products, services, distribution channels and geographic exposure. They then document risk classifications, controls, responsibilities and review cycles in a practical risk analysis.
Customer due diligence
A strong GwG process identifies customers and beneficial owners before a business relationship reaches a point where controls are required. It also addresses ongoing monitoring, unusual transactions, politically exposed persons and sanctions-related concerns. Professionals help connect these duties with onboarding workflows and case management systems.
Tools and documentation
GwG work often combines regulatory interpretation with operational tooling. Typical deliverables include:
- Risk analyses and internal safeguards
- Know-your-customer procedures and checklists
- Beneficial-owner verification processes
- Suspicious activity escalation workflows
- Training materials and audit evidence
When specialists help
Companies bring in freelance expertise when they are launching a regulated service, changing their business model or preparing for an audit. Support is also useful after a regulatory finding, during a compliance transformation or when internal teams need a documented control framework. In Germany, specialists may coordinate with legal, compliance, tax, finance and supervisory stakeholders.
What strong experts bring
The best professionals combine knowledge of the Geldwäschegesetz with sound judgment and clear documentation. They distinguish legal requirements from internal policy choices, explain risk decisions to operational teams and make controls workable in daily processes. Remote collaboration works well when access, confidentiality and German-language documentation are agreed at the start.
Frequently asked questions
The facts hiring teams ask for most often when it comes to GwG.
The GwG is used to prevent money laundering and terrorist financing in Germany. It sets duties for obliged entities, including risk analysis, customer due diligence, beneficial-owner identification, record keeping and suspicious activity reporting.
A Geldwäschegesetz specialist can support banks, financial services providers, insurers, real estate businesses, certain professional service firms and other obliged entities. The exact duties depend on the company’s activities, customers, products and risk exposure.
The GwG implements Germany’s anti-money-laundering framework and sits within broader European and international requirements. A professional should map German duties against applicable EU rules and the laws of every country involved, rather than copy one generic AML process.
A strong GwG freelancer often brings experience in KYC, beneficial-owner research, sanctions screening, transaction monitoring and regulatory documentation. Familiarity with compliance software, data protection and audit preparation is also valuable.
The right level depends on the scope. A procedure review may need focused Geldwäschegesetz expertise, while a new compliance framework requires experience with risk models, controls, training, governance and implementation across business teams.
Yes, much of GwG work can be completed remotely through secure document sharing, workshops and structured review meetings. On-site sessions may still help with process discovery, confidential stakeholder discussions or training, and German-language communication can matter for local documentation.
Look for a Geldwäschegesetz professional who explains the reasoning behind controls, links recommendations to the company’s actual risks and produces evidence that teams can use. Ask for anonymized examples of risk analyses, procedures, monitoring logic or audit responses.
A GwG specialist may deliver a risk analysis, internal safeguards, KYC procedures, beneficial-owner workflows, reporting rules, training content and an evidence register. The deliverables should assign ownership, define review triggers and fit the company’s systems and operating model.
The average hourly rate of freelancers in Germany who have used GwG in their recent projects is 123 €, which corresponds to a daily rate of about 982 € based on an 8-hour working day.
Of the freelancers in Germany who have used GwG in their recent projects, 89% hold at least a Bachelor's degree, 67% hold at least a Master's degree, and 11% hold a doctorate.
On average, freelancers in Germany who have used GwG in their recent projects have 26 years of professional experience, with a single engagement typically lasting around 3.7 years.
The most common languages among freelancers in Germany who have used GwG in their recent projects are German (100%), English (100%), and French (27%).
The most common industries among freelancers in Germany who have used GwG in their recent projects are Banking and Finance (82%), Information Technology (64%), and Insurance (45%).
The most common business areas among freelancers in Germany who have used GwG in their recent projects are Information Technology (82%), Project Management (73%), and Strategy (64%).
Main locations of FRATCH Experts, who have recently used GwG
Our freelancers and interim experts are at home across the DACH region — available on-site in the major business hubs or fully remote. Choose a location to discover matched specialists, local market insights and up-to-date availability.
Berlin Hamburg Munich Cologne Frankfurt Stuttgart Dusseldorf Leipzig Dortmund Essen Bremen Dresden Hanover Nuremberg Request a free demo
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Philipp Thomaschewski
FRATCH CEO
