Michael Hölzl

• Developed and implemented ESG risk framework aligned with ECB/BaFin expectations (AUM: €35bn)
• Managed OpRisk registers with ~5,400 incidents and 54 scenarios, incl. €66m Monte Carlo-based VaR
• Directed model governance integration of 320 models across multiple business lines
• Maintained 70+ KPIs; designed escalation thresholds for real-time operational monitoring
• Supported internal audit, ICAAP scenario reviews, and board-level risk reporting
• Selected Outputs:
• Oversight of €7.7bn balance sheet, contributing to +34% YoY RoE (€84m)
• Delivered ESG KPI reporting structure (20+ KPIs) across E/S/G pillars for senior stakeholders
• Drove successful regulatory engagement during audit and ICAAP assessments

• Led OpRisk track for EBA stress test (113bn € bank, 18,000 incidents); top-tier audit outcome, no findings
• Delivered ESG stress scenarios (e.g., flood, wildfire, disorderly transition) for 32 institutions (€7.2bn)
• Oversaw regulatory liquidity reporting (COREP C66–C68) for 343 banks via central IT provider
• Supported LGD calibration for 125 counterparties (banks, sovereigns, sub-nationals) at 48bn € institution
• Conducted treasury audit remediation at a 3.5bn € bank incl. hedge documentation & stress design
• Selected Outputs:
• Delivered full-cycle EBA OpRisk test stream with clean audit result
• Developed and stress-tested ESG risk assumptions for 32 clients across Germany
• Trained >100 participants via co-authored ESG/NFR material for Frankfurt School of Finance

• Managed budget oversight and audit policy for a €14.4bn state budget incl. €2.2bn COVID special fund
• Drafted regulatory initiatives and cross-party finance strategies
• Initiated €28m+ in policy-driven investment programs
• Selected Outputs:
• Successfully negotiated budget items across fiscal years
• Created impact-based funding plans totalling €28m+, influencing long-term regional development
• Positioned as economic liaison during parliamentary hearings

• Conducted risk diagnostics and control reviews in distressed credit portfolios.
• Supported cash flow monitoring and operational restructuring scenarios.
• Enhanced team collaboration by providing clear communication of complex findings through visualizations and reports.
• Improved decision-making processes, providing senior management with detailed analysis and actionable insights.
• Improved financial forecasting, meticulously analyzing past and current financial data.

• Monitored performance and compliance in securities trading workflows.
• Provided client onboarding support and structured product reporting.
• Handled customer inquiries, complaints, and returns professionally, ensuring a positive experience for all clients.
• Fielded customer questions to share information about products, availability, and pricing.

Exchange Semester

Coursework

Bank apprenticeship

In Progress