Madeleine Habig

Risk Control and Monitoring:

-Implementation of risk monitoring and control processes aimed at measuring the impact of ESG risks for the bank, allowing the institution to gain a strategic advantage in managing non-financial risks. Direct contribution to compliance with complex and evolving ESG regulatory requirements, which distinguished the bank within its group in this area.

-Development of in-depth expertise in ESG risks, design and deployment of an internal stress test, implementation of periodic control mechanisms, adaptation of the institution's strategic orientations, and introduction of new key risk indicators (KRI / KPI).

-Contribution to credit and counterparty risk management: reporting, modeling and Monte Carlo simulation calculations, sensitivity analyses.

-Contribution to operational risk management: regulatory and internal reporting, collection and entry of loss events into the dedicated database, stress test calculations, participation in governance and information management bodies.

-Contribution to liquidity risk management: performance of prudential calculations, development of daily liquidity reports.

-Preparation of reports on various risk topics, including daily analyses of national and international market conditions and their impacts on the institution's financial structure.

Participation in internal projects:

-ESG: promotion of ESG integration within Sparkasse and coordination between different business lines.

-Participation in the implementation of a new IT system.

-Contribution to strategic thinking on the integration of new digital tools and resources (e.g., virtual reality, crypto-assets) and their potential use in the banking environment.