KWG Experts in Germany
matched with vetted, available freelancers in minutesHire experts who interpret the Kreditwesengesetz, prepare BaFin-ready documentation and strengthen governance for regulated financial services. FRATCH matches you quickly and precisely with vetted, available freelancers who fit your requirements.
Meet FRATCH Experts in Germany, who have recently used KWG
Paul K.
Last position:
Program Manager – Multi-Project Operational Stabilization (Operational Excellence) at ITDZ - IT Service Center Berlin
- Overall leadership of several strategic operations projects focusing on Workplace Services, SLA Framework, access management, certificate management, e-learning, backup & recovery, test management, and capacity management, as well as the introduction of system monitoring and feasibility studies for 24x7 operations, in some cases including implementation in ServiceNow
- Creation of various ServiceNow operating concepts covering training, access rights, and emergency management as part of a new cloud hosting initiative for the ServiceNow platform
- Executive board reports and leadership of steering committees as part of company-wide strategic objectives, as well as the establishment of new balanced scorecards for measuring KPIs related to optimization-driven project results
Onur K.
Last position:
Project Manager & Outsourcing Manager at SENEC GmbH (EnBW Group)
- Built a scalable nearshore IT developer hub (Croatia, Czech Republic, Poland) as an independent company through a BOT model (Build – Operate – Transfer)
- Identified, selected, and managed full-service agencies; introduced management and control mechanisms, including KPIs, SLAs, and regular service reviews
- Prepared and reviewed data processing agreements and framework contracts in coordination with Legal & Compliance; integrated regulatory requirements (including KRITIS) into process design
- Advised on cloud vs. on-premise strategies, data storage, and authorization concepts; supported Procurement with tendering and service provider evaluations
- Managed change and process harmonization between internal teams and nearshore partners; reported to executive management, CFO, and CIO
Result: Scalable IT developer hub with an audit-ready governance model, reduced operating costs, and accelerated product development.
Henry H.
Last position:
Interim Manager IT-Compliance at Int. Fertigungsunternehmen
- Industry: mechanical engineering, vehicle manufacturing
- Regulations: Data Act
- Project focus: data governance, legally compliant use of machine data, data platforms
- Assigned by: CFO, platform product owner
Successes/Results (early phase):
- Compliance support for the setup of an internal standardized data usage platform based on Databricks.
- Created the basis for the legally compliant and effective use of machine data, including:
- Technical: gap analysis and closing of gaps in the segmentation and maintenance of collected machine data.
- Technical: consideration of data flows from the platform to users and third parties.
- Organizational: drafting and finalizing the required data usage agreements.
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
Peter H.
Last position:
Consultant Financial Data Warehouse Migration Interfaces Reporting at Large bank / central institution
- New connection of the product interfaces of the Financial Data Warehouse (FDW) directly to the Abacus 360 native interfaces
- IT environment: PC, client-server, Citrix remote client, Oracle DB
- Mapping of FDW outbound to Abacus 360 Native
- Analysis of requirements documents, business concepts, and existing interface rules
- Definition of new FDW rules for outbound to Abacus 360
- Adjustment of test scripts for the new interfaces
- Execution of tests to ensure correct data delivery and processing
Peter K.
Last position:
IT Audit Expert at Sparkasse
Support for Internal Audit:
Conducting an audit of the data protection officer and data protection management:
- Preparing an audit program based on the audit field concept
- Requesting the necessary audit documentation
- Carrying out control testing based on the audit program with the following focus:
- Reviewing the relevant PPS processes
- Reviewing the data protection mission statement, data protection policy, and data protection management concept
- Conducting audit interviews with the data protection officer
- Preparing the audit documentation
- Training a junior auditor in the methodology of Internal Audit
- Coordinating the audit documentation with the head of audit
Mario K.
Last position:
Agile Lead & Transitions Architect at Wavestone AG
Transition design, agile leadership, strategic client advisory as well as business development and internal positioning with the goal of reaching Principal/Partner
- Strategic Transition Leadership - end-to-end design and management of complex transformation programs in regulated industries; development of scalable target pictures, operating models, and governance structures
- Agile Enterprise Enablement - leadership and coaching of teams and managers; establishment of modern delivery mechanisms, portfolio control, and organizational design
- C-Level Advisory - advising board members and division heads on strategic decisions, roadmaps, organizational development, and transformation topics
- Business Development & Sales Impact - active role in bids, proposal development, and pitch situations; building a strong network and expanding the consulting portfolio
- Thought Leadership & Practice Building - positioning as an expert for insurance and banking; development of methods, standards, and internal networking
- Principal/Partner Track Contribution - deepening client relationships and strategically expanding the portfolio
Pierre G.
Last position:
Ansible Automation, Windows Third Level Support at DB InfraGO AG
- PRISMA project
- Ansible automation
- Windows third-level support for Windows NT, Windows 2000, Windows 2013, Windows 2016, Windows 2019
Natascha K.
Last position:
Business Analyst DORA and System Architecture at PSVaG
- DORA consulting and system optimization
- Process analysis of existing business processes that are complex from both a business and technical point of view
- Analysis of the individual business processes in the relevant business areas Trading, Back Office, Settlement, Custodian Bank
- Interface between the business units and IT to understand and define requirements
- Creation of a business concept incl. adjustments and implementation of software applications and their interfaces to the systems
- Preparation of a decision template for the management board for project approval
- Setting up and running project meetings with the relevant stakeholders and documenting them
- Close collaboration with the stakeholders
- Coordination and control of the analysis
- Creation and planning of resources and budget
- Onboarding of large banks (Asia and Eastern Europe) for Depot B
- Migration of portfolio holdings (volume around EUR 70-100 million)
Piet Q.
Last position:
IT Project Manager at no release
Industry: Publishing, media Project management for the concept of a RAG-based archive access solution: a secure on-prem or hybrid compute architecture for LLM and embedding operations, pipeline for transcription and automatic tagging, semantic search across audio and video archives. Use case evaluation and make-or-buy together with editorial team, archive, and legal department, taking into account copyright, broadcasting law, and the AI Act. Differentiator: practical LLM infrastructure experience from two own productive platforms combined with C-level program management in regulated industries.
Julian V.
Last position:
Project Lead Change the Bank at Stock Exchange Operator, Eschborn, Germany
Led a highly complex and extensive Change the Bank project focusing on third-party risk management
Guided and supervised up to 15 qualified consultants
Defined and regularly reviewed the status of required measures to address audit findings in third-party management
Ensured and verified banking regulatory compliance (BAIT, MaRisk, DORA, BSI Standards, ISO 27001, NIST Cybersecurity Framework) of processes and artifacts
Coordinated validation of project artifacts with internal audit
Supported mitigation of identified deviations
Prepared documentation for deregistration of the corresponding finding with BaFin
Coordinated with stakeholders in the group for approval of deregistrations
Prepared, accompanied, and regularly independently reported project status to the board and C-level executives
Introduced agile (SCRUM) project management
Supported a six-month RfP and POC process for a SaaS solution for third-party management
Assisted in implementing the SaaS solution and consolidating data from various source systems into the new SaaS
Michael S.
Last position:
Compliance/TPRM setup at Haftpflichtkasse
Compliance department setup & DORA operationalization
- Setup of a complete compliance organization according to DORA
- Development and operationalization of SfO
- Use of AI agents for automation:
- Evaluation of due diligence questionnaires including risk classification
- AI-supported contract analysis (DORA/MaRisk compliance)
- Monitoring of external data sources (cyber incidents, news feeds)
- Setup of a decentralized risk and action register
- Creation of gap analyses and derivation of actions
- Setup and maintenance of the outsourcing information register
- Use of own TPRM frameworks, checklists and process models
Compliance department setup & DORA operationalization
- Setup of a complete compliance organization according to DORA
- Development and operationalization of SfO
- Use of AI agents for automation:
- Evaluation of due diligence questionnaires including risk classification
- AI-supported contract analysis (DORA/MaRisk compliance)
- Monitoring of external data sources (cyber incidents, news feeds)
- Setup of a decentralized risk and action register
- Creation of gap analyses and derivation of actions
- Setup and maintenance of the outsourcing information register
- Use of own TPRM frameworks, checklists and process models
- Project controlling - presentation and structured measurement of achieved project goals within management reporting.
Guido B.
Last position:
Independent Management Consultant and Interim Manager at BCTC Unternehmensberatung Guido Bäcker
Consulting, training, and coaching in the financial sector on strategy, organization, and IT topics
MorgenFund: Advising the operator of a fund platform on software selection for a sub-ledger "Cash Accounts" based on Virtual IBANs (VIBAN)
Structuring requirements, market screening, creating RfIs, communicating with vendors, and conducting the selection process
UniCredit/HypoVereinsbank: Workstream lead "Booking and Customer Reporting" in the payment transformation project "PULS"
Business analysis, creating business requirements and aligning solution items as part of the functional specification with the bank's IT service providers
Business analysis of SEPA CT and SWIFT MX (.camt, .pain, and .pacs formats), change management, team lead for a virtual team of fifteen line experts, and stakeholder management
equensWorldline Germany: Program management for three projects of the SWIFT service bureau (CBPR+, ESMIG, and Euro1Step1 migration) as part of the SWIFT MX migration
Managing individual project managers regarding overarching goals and requirements; reporting to internal and external committees and stakeholders; coordinating with dependent projects and programs
Project management/PMO: interim project management, stand-in for project managers, resource planning, budget and cost management, general PMO tasks
Richard R.
Last position:
Vice President– Head of Claims Operations, Europe at SOMPO International
Managing TPA Manager and a team of 10 Claims Operation Assistants.
Designing and implementing processes and workstreams using Guidewire from the ground up with European claims teams across all lines of business.
Establishing service level agreements (SLAs) and detailed key performance indicators (KPIs) with new business intelligence (BI) reporting, payment and performance analysis.
Developing, steering and analysing 50+ strategic, operational and IT initiatives, driving digital change and AI automation in payments while meeting DORA, GDPR, ACM and BAIT MaRisk regulatory compliance.
Increasing customer satisfaction scores by 80%.
Attracting and mentoring market-leading operational and TPA talent.
Demonstrating strong stakeholder leadership and swift decisional influence.
Ulf S.
Last position:
Availability Manager at FI-TS
- Central point of contact for questions about the availability of products and services, problems and availability of delivered services, working closely with Sales and Service Management in ITSM, also in terms of order management
- Independent and responsible support of assigned customers
- Delivery of agreed reports on operational service delivery (e.g. availability) (KPIs)
- Conducting contractually agreed operational meetings with customers, focusing on current Incidents, Problems, Change, Incident Management operational orders, requested statements and personnel planning to resolve the customer situation (Workforce Management)
- Continuous monitoring of SLA-relevant services and IT Problem Management components, and coordination of deviations in monitoring values with the relevant departments
- Monitoring and evaluation of agreed SLA availability and ongoing Payment Transactions
- Optimization of methods and processes to ensure and restore availability
- Monitoring and evaluation of agreed capacities (Capacity Management)
- Follow-up on Major Problems, root cause analysis and tracking of actions as part of Problem Management
- Planning and conducting contractually agreed emergency exercises to review the effectiveness of emergency preparedness measures (BCM/ITSCM), as well as follow-up on the results
Discover over 15,000 top freelancers
Statistics of experts using KWG
Aggregated from the professional profiles of matched freelancers.
Experience
26 years
Position duration
3.3 years
Positions per freelancer
17
Top business areas
Information Technology, Project Management, Operations
Top industries
Banking and Finance, Information Technology, Professional Services
Certification focus areas
Information Technology, Project Management, Audit
Bachelor's degree or higher
86%
Master's degree or higher
55%
Doctorate
10%
Certifications per freelancer
4
Most common languages
German, English, French
Speak two or more languages
97%
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 KWG
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.
KWG 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 (92%)
- Information Technology (71%)
- Professional Services (55%)
- Insurance (42%)
- Energy (37%)
- Manufacturing (29%)
- Government and Administration (26%)
- Automotive (21%)
Please note that freelancers can work across multiple industries, so percentages overlap.
About the technology
What KWG covers
KWG is the abbreviation for the German Kreditwesengesetz, or German Banking Act. It forms a central part of the regulatory framework for institutions that conduct banking business or provide financial services in Germany. Its requirements cover authorisation, supervision, governance, capital, risk management and ongoing reporting.
Where it is used
Companies rely on KWG expertise when their business model may require regulatory permission or when an existing institution is changing its products, ownership or operating model. Typical work includes:
- Assessing whether activities qualify as banking or financial services
- Supporting authorisation and licensing documentation
- Preparing governance and organisational frameworks
- Reviewing outsourcing, risk and reporting arrangements
Regulatory ecosystem
KWG work rarely stands alone. Professionals connect it with BaFin supervision, Deutsche Bundesbank processes and related rules such as the German Money Laundering Act, the Securities Institutions Act and European requirements including CRR and CRD. Depending on the business model, they may also work with payment, investment, crypto-asset or insurance regulation.
Project deliverables
A strong engagement can produce a regulatory perimeter assessment, licensing roadmap, policy framework or gap analysis. Other deliverables include risk inventories, control descriptions, fit-and-proper documentation, outsourcing assessments, regulatory correspondence and evidence for audits or supervisory reviews. Clear version control and traceable reasoning are essential.
When companies need specialists
Freelance support is useful when internal teams face a new regulatory question, a launch deadline or a supervisory request. It can also help during restructuring, acquisitions, remediation programmes or the setup of a German branch. In Germany, collaboration may require German-language communication for formal documents, while international project teams often work bilingually.
What distinguishes strong experts
The best KWG specialists combine legal interpretation with practical implementation. They understand how a business model, processes, controls and governance structure connect, rather than treating compliance as a document exercise. Look for experience with the relevant institution type, direct handling of regulatory submissions or reviews, precise writing and the ability to explain consequences to product, risk and executive teams. Remote work is often effective when access, confidentiality and decision paths are clearly arranged.
Frequently asked questions
Everything clients usually want to know about KWG, in one place.
KWG is the abbreviation for the Kreditwesengesetz, Germany’s primary Banking Act. It governs authorisation, supervision, organisation and risk-related duties for certain credit institutions and financial services institutions.
Kreditwesengesetz is German national law, while rules such as CRR and CRD establish important European requirements. A project may need both: KWG can determine the German supervisory and licensing framework, while European rules add prudential obligations.
A capable KWG specialist often also understands BaFin practice, Deutsche Bundesbank reporting and anti-money-laundering controls. Depending on the assignment, knowledge of CRR, CRD, the Securities Institutions Act, payments regulation or outsourcing governance may be important.
A focused regulatory perimeter review may suit a specialist with experience in comparable business models. Licensing, remediation or supervisory-response work calls for a KWG professional who has handled similar submissions, controls and communication with German regulators.
Yes. KWG work can often be performed remotely when secure document access, defined responsibilities and regular decision meetings are available. On-site sessions may still help with workshops, sensitive governance decisions or preparation for supervisory meetings.
For work involving BaFin, German policies or formal submissions, German-language capability is usually valuable. A Kreditwesengesetz specialist working with international stakeholders may also need strong English to align group-wide controls and explain local requirements.
Ask for a clear explanation of how the specialist would classify the business model, identify applicable permissions and map obligations to controls. A strong KWG professional distinguishes legal requirements from recommendations, documents assumptions and provides conclusions that operational teams can apply.
A KWG freelancer should confirm the client’s regulated activities, legal entities, target market, supervisory status and project outcome. Access to policies, organisational charts and prior regulatory correspondence should be agreed early, along with confidentiality rules and the expected role in regulator communication.
The average hourly rate of freelancers in Germany who have used KWG in their recent projects is 125 €, which corresponds to a daily rate of about 998 € based on an 8-hour working day.
Of the freelancers in Germany who have used KWG in their recent projects, 86% hold at least a Bachelor's degree, 55% hold at least a Master's degree, and 10% hold a doctorate.
On average, freelancers in Germany who have used KWG in their recent projects have 26 years of professional experience, with a single engagement typically lasting around 3.3 years.
The most common languages among freelancers in Germany who have used KWG in their recent projects are German (100%), English (95%), and French (26%).
The most common industries among freelancers in Germany who have used KWG in their recent projects are Banking and Finance (92%), Information Technology (71%), and Professional Services (55%).
The most common business areas among freelancers in Germany who have used KWG in their recent projects are Information Technology (89%), Project Management (87%), and Operations (76%).
Main locations of FRATCH Experts, who have recently used KWG
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 
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