MaRisk Experts in Dusseldorf
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Meet FRATCH Experts in Dusseldorf, who have recently used MaRisk
Matthias Metzlaff
Last position:
Project Manager at HSBC
- Project manager for banking projects
Federico Leefhelm
Last position:
Senior IAM Manager & Single Point of Contact for Information Security at EnBW Energie Baden-Württemberg AG
As the only large integrated energy company in Germany, EnBW covers the entire value chain - from energy production through distribution to customers. It expands its renewable energy sources, advocates for a socially responsible coal exit, and drives key technologies like green hydrogen. A rapid energy transition and achieving climate neutrality by 2035 are priorities for EnBW. Developed and implemented a holistic process view covering both technical and organizational aspects Ensured end-to-end control of all IAM-related technical services Established clear responsibilities and accountabilities within the IAM landscape Collaborated with different departments to identify and optimize a holistic architecture and act as Single Point of Contact (SPoC) for Information Security Introduced and monitored governance policies to ensure compliance and security Continuously improved IAM processes and systems through regular audits and evaluations Participated in external audits of the process as part of official ISO audits Further developed the policy for setting administrative requirements and procedures and aligned it with administrative units Conceptually advanced the KPI system to measure process quality
Natascha Kluike
Last position:
Business Analyst DORA and System Architecture at PSVaG
- DORA consulting and system optimization
- Process analysis of existing business and technically complex processes
- Analysis of individual processes in relevant areas: trading, back office, settlement, custodian bank
- Acting as interface between business areas and IT to understand and define requirements
- Creating a functional specification including adjustments and implementation of software applications and their interfaces to systems
- Preparing a decision paper for the executive board to approve the project
- Setting up and conducting project meetings with relevant stakeholders and documenting them
- Close collaboration with stakeholders
- Coordinating and steering the analysis
- Planning and allocating resources and budget
- Onboarding large banks (Asia and Eastern Europe) for Depot B
- Migrating Depot B holdings (volume around EUR 70-100 million)
Lucy Rohda
Last position:
ESG & MaRisk Compliance Officer at Lesora GmbH
- Strengthen MaRisk compliance by enhancing risk management, internal controls, and regulatory processes.
- Optimize compliance workflows and perform key control activities to ensure regulatory alignment.
- Advise management and business units on supervisory requirements and compliance obligations.
- Collaborate closely with internal control functions, risk management, and other governance units to improve cross-functional compliance standards.
- Accompany strategic projects from a compliance perspective.
- Develop ESG measures and contribute to establishing ESG risk management.
- Serve as the ESG point of contact and co-author the company’s first ESG report.
- Deliver internal trainings on compliance and sustainability topics.
Nikolaus Betzler
Last position:
ICT Risk Management and Information Security at B. Metzler seel. Sohn & Co. AG
- Independently develop policies, guidelines, and frameworks for ICT risk management and information security
- Advise business units on ICT risk management and information security
- Further develop the ICT risk management framework that governs the identification, assessment, and control of ICT risks
- Evaluate the Information Security Management System (ISMS) and adjust it for new challenges
- Conduct risk analyses to identify and assess potential ICT risks and information security risks for the Metzler Group
- Advise on defining and implementing measures to reduce risks and improve the resilience of ICT systems
- Advise on ensuring compliance with relevant internal and external regulatory requirements (MaRisk, DORA, BAIT, BSI IT baseline protection, ISMS, ISO 27001, ISO 42001, ISO 27005, BCM ISO 22301)
- Advise on internal and cross-functional projects (SAP DORA compliance, Target2, Section 8a BSI Act)
Daniel Rutkowski Graf Von Schweinitz
Last position:
Project at VR Factoring
- Consulting services in risk controlling
- Gap analysis to ensure full MaRisk compliance
- Revision of the ICAAP/capital adequacy concept
- Revision of the risk quantification methodology
- Stakeholder management
Heinz-Dieter Lühmann
Last position:
Consultant at CH Crypto Group
- Advice on governance and information security topics: BAIT, MaRisk
- Creating governance documents (policies, guidelines)
- Developing emergency manuals
- Based on BSI IT baseline protection standard 200-4 and ISO2700x
Discover over 15,000 top freelancers
Statistics of experts using MaRisk
Aggregated from the professional profiles of matched freelancers.
Experience
27 years (Germany: 25 years)
Position duration
1.5 years (Germany: 2.5 years)
Positions per freelancer
19 (Germany: 17)
Top business areas
Audit, Project Management, Information Technology
Top industries
Banking and Finance, Information Technology, Energy
Certification focus areas
Audit, Information Technology, Legal
Bachelor's degree or higher
100% (Germany: 92%)
Master's degree or higher
75% (Germany: 58%)
Certifications per freelancer
5 (Germany: 6)
Most common languages
German, English, Spanish
Speak two or more languages
86% (Germany: 98%)
Based on our profile pool as of 30 Aug 2026.
Daily rate distribution
The chart shows how the daily rates of freelancers in this technology in Dusseldorf 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 Dusseldorf using MaRisk
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 30 Aug 2026. Actual rates may vary depending on seniority level, experience, skill specialization, project complexity, and engagement length.
About the technology
What MaRisk covers
MaRisk is the German Minimum Requirements for Risk Management. It sets the expectations for governance, risk control, and internal processes in regulated financial institutions. Companies use it to structure how risks are identified, assessed, monitored, and reported.
Where it is used
- Credit and market risk processes
- Internal control systems and compliance workflows
- Outsourcing and third-party oversight
- Audit preparation and documentation reviews
- Policy updates after regulatory change
Useful ecosystem
MaRisk work often sits next to other German banking rules and supervisory guidance, especially BaFin requirements. It also touches on risk frameworks, controls libraries, and reporting routines that must stay consistent across teams. Strong experts know how to translate regulatory text into workable internal procedures.
When companies need help
Firms bring in freelance specialists when policies need a refresh, a control gap appears, or an audit raises questions about evidence and ownership. In Dusseldorf, this often matters for banks, financial services firms, and compliance-heavy units working with German rules. Remote support works well for drafting and review; on-site time helps when workshops or stakeholder alignment are needed.
What strong experts do
A strong MaRisk professional can read the rule in context, map it to existing controls, and spot where practice and policy diverge. They write clear requirements, support implementation, and keep evidence easy to trace. They also work well with compliance, internal audit, risk, and operations.
What to look for
- Clear knowledge of MaRisk and BaFin expectations
- Experience with risk governance and control design
- Strong documentation and stakeholder communication
- Ability to review gaps without overcomplicating the setup
- Practical understanding of regulated financial processes
Frequently asked questions
Questions about MaRisk? Start with the answers below.
MaRisk is used to define how a regulated financial institution manages risk, controls, governance, and oversight. It helps teams turn regulatory expectations into internal policies, control steps, and evidence that can stand up to review. In practice, it supports safer decisions and cleaner audit preparation.
MaRisk is closely tied to BaFin expectations and is often read together with other German supervisory guidance. The difference is usually not about competition, but about scope: MaRisk sets the broader framework for risk management, while related rules and notices may go deeper into specific topics. Good experts know how to connect them without creating duplicate controls.
A strong MaRisk specialist usually also understands internal controls, risk governance, compliance reviews, and audit support. Familiarity with outsourcing oversight, documentation standards, and stakeholder management is valuable too. In banking environments, practical knowledge of process design matters as much as regulatory reading.
A MaRisk project can be small, like reviewing a policy, or broad, like redesigning control ownership across several teams. The more sensitive the process or the larger the institution, the more important it is to have a specialist who has worked on regulated environments before. For simple reviews, a focused expert may be enough; for gaps and remediation, you want deeper experience.
Many MaRisk tasks can be handled remotely, especially drafting, gap analysis, and document review. On-site time becomes useful when workshops, interviews, or sensitive stakeholder discussions are needed. In Dusseldorf, a mixed setup is often practical for financial firms that want close collaboration without making every task office-based.
Look for a MaRisk professional who can explain the rule clearly, connect it to real processes, and show how they handled similar regulatory work. Quality is visible in structured documents, traceable recommendations, and the ability to work with risk, compliance, audit, and operations without confusion. Strong experts reduce complexity instead of adding more of it.
Common MaRisk deliverables include policy updates, control descriptions, gap assessments, remediation plans, and audit response material. Some projects also involve outsourcing documentation, governance maps, or evidence packs for internal review. The exact output depends on whether the work is advisory, implementation-focused, or part of a control remediation effort.
MaRisk is most often associated with banks and other regulated financial institutions, but the practical impact can reach wider financial services setups that must meet German supervisory expectations. It matters wherever governance, controls, and documented risk oversight are central. The exact scope depends on the institution's regulatory profile and business model.
The average hourly rate of freelancers in Dusseldorf, Germany who have used MaRisk in their recent projects is 113 €, which corresponds to a daily rate of about 905 € based on an 8-hour working day.
Of the freelancers in Dusseldorf, Germany who have used MaRisk in their recent projects, 100% hold at least a Bachelor's degree and 75% hold at least a Master's degree.
On average, freelancers in Dusseldorf, Germany who have used MaRisk in their recent projects have 27 years of professional experience, with a single engagement typically lasting around 1.5 years.
The most common languages among freelancers in Dusseldorf, Germany who have used MaRisk in their recent projects are German (100%), English (86%), and Spanish (29%).
The most common industries among freelancers in Dusseldorf, Germany who have used MaRisk in their recent projects are Banking and Finance (100%), Information Technology (71%), and Energy (57%).
The most common business areas among freelancers in Dusseldorf, Germany who have used MaRisk in their recent projects are Audit (86%), Project Management (86%), and Information Technology (71%).
Main locations of FRATCH Experts, who have recently used MaRisk
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.
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Philipp Thomaschewski
FRATCH CEO
