The graduate physicist manages the strategic development of the product CAM and he is in charge of the definition and development of new products at SCHUMANN

Has been working in the back office functions of BFS finance since 2002. With the introduction of the licensing requirement for factoring institutions in 2008, development and support of all regulatory issues with a focus on risk controlling, reporting, money laundering prevention (including related IT projects). Contact person for banking supervision and auditors

Before that:

Many years of professional experience in the support of medium-sized corporate customers of a bank

With around 70 specialist trade locations, BAUKING is one of the leading companies in the German building materials and timber trade and, with around 50 hagebau markets, is also one of the market leaders in the retail sector.

We serve our customers at over 110 locations in northern, western and eastern Germany. With a comprehensive range of quality products, competent advice and professional services for professional and DIY customers, BAUKING supports its customers as a reliable partner for their construction projects. BAUKING has a total of more than 60,000 items in stock and also supplies its partners daily with a truck fleet of over 200 vehicles.

Embedded in the cooperation of hagebau, BAUKING is part of a strong network of medium-sized German, Austrian and Swiss building material dealers and DIY retailers.

Anja Rosezin is responsible for the development of innovative financial products and solutions for the financial supply chain within the SGH Group. She has expert knowledge in the operation of platform business models, in particular dynamic discounting and central settlement as well as factoring.

Previously, Anja Rosezin held management positions in the financial industry and was responsible for the strategic and technical development of centralized regulation and its expansion to 11 European countries at a major European financial services and IT service provider.

Alexander Volker Petzold has been responsible for financial accounting (accounting, taxes, treasury, group accounting) including receivables management in a manufacturing classic family business for several years and is currently also involved in preparations in the financial area for the changeover to SAP S/4.

As a member of the executive board, the graduated business information technology specialist is responsible for technology and software development at SCHUMANN.

The studied economist is responsible for the development and sales of FINOYO with the focus on financial analysis.

The studied economist is responsible for the development of solutions for the business unit Financial Services and advises clients from the financial sector, especially leasing and factoring companies, on the implementation of compliance and credit risk management requirements.

Carsten Ettmann, a business graduate, is a senior consultant for Bisnode Deutschland GmbH. His work focuses on consulting in connection with the risk management of companies as well as the analysis and assessment of companies based on financial data. Mr Ettmann is an expert in the integration of risk data into risk management systems. In addition, Mr. Ettmann is entrusted with the analysis of financial data for their impact in rating processes and the realization of possible improvements for ratings.

He has many years of intensive experience in the fields of financial statement analysis, company valuation and credit assessment. Mr. Ettmann has extensive practical experience as an audit manager in auditing and as a senior rating analyst and consultant. Practical knowledge in investment controlling completes his experience in the field of financial analysis. In particular, he has given numerous lectures and training courses on balance sheet analysis topics for customers of D&B Deutschland GmbH and Bisnode Deutschland GmbH as well as for the Moore-Stephens-Verband (network of auditors) and the Bildungsinstitut der Mittelständischen Wirtschaft (IMW), among others.

As a Member of the Executive Board Evgeny is responsible for marketing and sales.

The studied economist is responsible for development and project management for the business unit Industry & Trade.

As a software architect, the graduate computer scientist is responsible for the further development of the overall architecture for the standard software area and beyond. He focuses on the topic Enterprise Architecture & Integration with emphasis on API development & design.

The studied business IT specialist heads the building materials trade team and supervised the projects within this segment for the business unit Industry & Trade area.

As a member of the executive board, the business information technology specialist is responsible for product and business development at SCHUMANN.

As a member of the Executive Board, the studied business data processing specialist is responsible for the internal operational at SCHUMANN. He is also responsible for the business unit Industry & Trade and the development of the software CAM Industry & Trade.

Town & Country house is Germany's leading solid house brand. Since its foundation in 1997, Town & Country Haus has built more than 37,500 houses nationwide, 3,006 of them in 2019 alone.

Various factors are decisive for its success: Low construction costs, very good value for money and a clearly defined target group, construction quality tested by independent experts and comprehensive house building protection certificates for owners before, during and after construction.

The massively built houses are individually designed according to customer requirements from a selection of around 40 house types. Materials and products used are without exception from brand manufacturers.

Of great importance for the industry far probably unique growth is also the Town & Country house partner concept. As a licensed and franchisor as well as an umbrella brand, Town & Country Haus organizes the sale and construction by independent local entrepreneurs. Building owners thus benefit from high-quality craftsmanship and the regional presence of their contractual partners.

Karsten Bahns is a trained banker and studied law in Münster and Cologne. For almost 20 years he has been involved in the sale of trade credit, surety and fidelity insurance solutions. He worked for Euler Hermes Germany until 2015 and moved to CFG Finance GmbH in Mönchengladbach in 2016, where he focused on the digitalization of credit insurance processes, among other things. In 2018 he founded crebita GmbH as a co-founder.

As a product owner, the studied business administrator is responsible for the development of the standard software CAM Credit & Surety. With their work, she and her team, design the software to sustain the processes in your daily business and proactively involve you as a driving force – with focus on our product to enable success!

Since 1991, Prof. Dr. Matthias Schumann has held a professorship for business administration and business informatics (professorship for application systems and e-business) at the University of Göttingen. He also heads the joint computer center of the Faculty of Economic Sciences and the Faculty of Social Sciences. He is a shareholder of Prof. Schumann GmbH, a company that offers standard software and consulting services for credit management. Prof. Schumann's research interests include information systems for financial service providers and systems for credit management, as well as questions of knowledge and education management. Prof. Schumann has a wide range of experience in consulting companies, extensive lecture activities and more than 350 publications.

Dr. Martina Städtler-Schumann has been the managing director of SCHUMANN since its foundation in 1997. After graduating in business administration, she earned her doctorate and worked in her parents' consulting and software company. She has now been managing SCHUMANN for over 20 years. With her company, she supports national and international customers in the digitalization and automation of processes in credit and credit risk management. Her many years of experience provide her with cross-sector expertise for optimal processes, whether in insurance companies, financial service providers or industrial and commercial enterprises.

Städtler-Schumann is married, lives with her husband in Göttingen and has two adult sons.

With 20 years of experience in credit and risk management, particularly in the areas of credit insurance, credit reports and debt collection, Marcus Brombach has been working for Atradius Collections BV Germany since 2013, advising globally oriented companies from all industries and financial services institutions in the DACH region.

Atradius Collections is a leading international B2B debt collection company with its own branches in 29 countries and a global network of cooperation partners. This enables it to offer its services in 96% of all countries worldwide, for currently over 12,000 customers.

Mike is an innovative, entrepreneurial Chairman and Non Executive Director with a strong track record of creating and growing businesses across Europe, USA and emerging markets.

Mike has 37 years’ experience in trade credit and political risk insurance, as well as in trade finance. He has been at the forefront of innovation in the industry and has been active in the Dutch and German markets as well as the UK and the US. He was a founder and CEO of trade credit insurer Equinox Global Limited.

As well as his current role at Nexus Trade Credit, Mike’s recent activities include being a director of a motor insurance MGA; providing advice to the Irish Government on credit insurance and acting as Deputy Chair of the London Handel Festival (of classical music).

Mike is currently studying for a ‘Chartered Director’ qualification with the Irish Institute of Directors.

The studied business economist is responsible for the development of solutions for all business units from SCHUMANN with the focus on financial analysis.

FinTecSystems GmbH is the leading provider in the field of B2B/B2C financial data analysis. Based on excellent data we enable our customers to make excellent decisions. For more than 6 years, credit decisions are automated and risks are minimized at the same time through the digital account check. Starting with complete data aggregation, over a custom-fit financial data analysis, a targeted reporting of the results completes the service portfolio of FinTecSystems. Our customers also appreciate the digital and custom-fit customer experience as well as the many years of experience in the area of PSD2 and open banking. Philip Opitz has been active in partner management for several years and as Business Development Manager at FinTecSystems, Philip is an expert in the field of digital account check.

Robert Meters is Head of Marketing and Sales, Global Business & Financial Services at SCHUMANN. He studied Business Administration and International Management at the University for Economics and Management in Essen. He has been in the credit risk management industry since 1993 and has worked for leading information service providers as well as in the telecommunications industry. At SCHUMANN, he is responsible for global business and the Financial Services division. He advises and takes care of customers in the automation of credit decisions and the implementation of a fully integrated credit management workflow system that also supports KYC processes. SCHUMANN offers the leading credit risk management solution for the financial services sector with excellent references in leasing, factoring, banking and trade credit insurance.

Roland Reiser is sales manager and authorized representative for credit services at Creditreform Rating AG. He lives with his family on the Lower Rhine and studied business administration in the Netherlands and Germany. He has more than 15 years of experience in international risk measurement and credit decisioning with various companies.

Creditreform Rating AG offers simple solutions in the field of credit services to lean, digitalize and automate risk measurement and credit decisions at banks, leasing companies and wholesale companies.

Richard Hopkin is Head of Fixed Income and a managing director in the Securitisation Division.

Richard joined AFME in June 2010 after a 25-year career in the law and finance during which he held leadership positions at J.P. Morgan, Deutsche Bank and Société Générale. He has originated, structured and distributed securitisations funding the real economy through a wide variety of asset classes including mortgages, credit cards, auto, consumer and SME loans, from across Europe, Australia and the US.

Richard has led and negotiated industry positions on many critical regulatory initiatives in recent years, including most recently the new standard for “simple transparent and standardised securitisation” in Europe.

A frequent visitor to Brussels, he has helped rehabilitate the securitisation industry in the eyes of key European policymakers and continues to be a strong advocate for the benefits of securitisation for the European economy.

Born and brought up in Wales, Richard read law at Cambridge University and before his investment banking career qualified as a solicitor with leading international law firm Clifford Chance.

The graduate business data processing specialist is responsible for the development of the product portfolio and sales area for the business unit Industry & Trade in the D-A-CH region .

The studied physicist is responsible for design and development of the payment records module for the business unit Industry & Trade.

Sarah Isele joined the Corporate Team at Bureau van Dijk - a Moody's Analytics Company in 2017. The focus of her work is on advising international corporations as well as small and medium-sized companies in the area of Credit Risk Management. In addition, Ms. Isele supports her clients in building up and optimizing Know-Your-Customer (KYC), on-boarding and due diligence processes, as well as in consulting regarding Master Data Management and interface solutions. She holds a Bachelor degree in Finance & Management and is a Certified Credit Controller.

As CEO of Aon Credit Solutions, Stuart’s core responsibilities include developing and executing Aon's business strategy in respect of credit risk mitigation and working capital solutions. During a 25+ year career in the credit and trade finance industry, Stuart has gained invaluable insight across numerous geographies, client segments and solution lines. Stuart holds a 1st Class BA (Hons) Degree in Business and Finance and is an avid Chelsea FC fan!

Thomas Richter (60) has been working for the Verband der Vereine Creditreform e.V. in Neuss for 25 years. After five years in the development of online systems, he held various management positions in requirements management and sales. In his current function as Head of Customer and Partner Management, he is responsible for connecting customer and partner systems to the central Creditreform online services for business information, risk and receivables management. He is in charge of the sales cooperations for bad debt insurance within the Creditreform Group (approx. 4300 employees) in Europe and is involved in several innovation projects concerning digital identity (CrefoTrust - Blockchain) and digital ecosystems (platform - Meine.Creditreform). On the international level, he was significantly involved in the dissemination of the XBRL standard for several years within the framework of EU projects on the topics of financial risk management, rating systems and IT operational risk & business continuity. After completing his mechanical engineering studies in Düsseldorf, he worked in the printed circuit board industry for several years. Before joining Creditreform, Thomas Richter worked for several years for a software service provider as a project engineer in the field of ERP system development.

Translated with www.DeepL.com/Translator (free version)

The studied business data processing specialist is responsible for the business unit Industry & Trade and the development of the software CAM Industry & Trade.

The trained qualified IT specialist Thorsten Taubert is responsible for the management and development of customer projects for the business unit Credit & Surety with a focus on Trade Credit Insurance.

Urs Rosenthal is project manager for major projects concerned with the implementation of our industry solution CAM Credit & Surety within the department of Credit & Surety. The studied business economist was responsible for the development of the department solution CAM Credit & Surety.

The qualified IT specialist Vincent Stang is responsible for team and project management for the business unit Industry & Trade with the focus on retail projects.

From 2011 to 2019, Dr. Werner Grünewald was the Managing Director and CFO of the DKV Mobility Group, the European market leader for mobility services. In addition to the traditional responsibilities of a CFO, Werner Grünewald is a proven specialist in the development and optimization of knowledge-based risk management systems and regulatory issues (PSD II). Werner Grünewald and his credit management team are first prize winners of the BvCM Excellence Award. In addition, Werner Grünewald is a volunteer mentor for the initiative "Woman into Leadership" (IWIL). Since 2020, Werner Grünewald has been working as an independent consultant, supporting companies in areas such as strategy development and implementation as well as stakeholder and risk management.

Mark Sieber is a member of the management of km credit consulting and has been with the company for eight years. Previously, Mr. Sieber was Managing Director of a leading German factoring company and responsible for the sales management of a large French credit insurer. He has many years of experience in corporate banking, especially in dealing with multinational companies.

km credit consulting is a leading specialist broker specialising in the structuring and implementation of international debt security and financing concepts. As a management consultant, km credit consulting also focuses on the design of risk management structures and credit management processes. km credit consulting is able to support its clients in more than 40 countries around the world. km credit consulting is a company of the Ecclesia Group.

Andrea Reichel is commercial manager at Semcoglas Holding GmbH. She is thus responsible for finance and accounts receivable management, accounting, controlling, payroll accounting and auditing for all 18 branches of the Semco Group. Prior to this, she worked for 15 years in the savings bank organisation, most recently as corporate customer advisor for major customers.

The Semco Group is one of the largest flat glass refiners in Western Europe. In 2019, it generated sales of around 250 million euros with around 1,500 employees.

Can Acar is responsible for financial and accounts receivable management and insurance within the Semco group. In 2016 Mr. Acar started his apprenticeship as industrial clerk at Semcoglas Holding GmbH, which he successfully completed in 2019. Since December 2018 he is responsible for the divisions.

Since summer 2019, CARL E. HOESTERMANN has been working as managing director and in-house lawyer at Gracher Kredit- und Kautionsmakler GmbH & Co. KG in Trier. In addition to the Co-Managing Director and company founder Alfons-Maria Gracher, he is responsible for the operative business and in particular for the international activities and international expansion of the group. Gracher is by far the leading German and European specialist broker in the field of surety insurance. The credit volume currently managed by Gracher is more than EUR 16 billion and is growing continuously every year by around EUR 1 billion. The business activities are rounded off by other services, such as general corporate financing, debt advisory as well as factoring and leasing offers. Gracher has offices in Trier, Cologne, Bremen, Mannheim, Mainz, Amsterdam and Sofia. International cooperations, e.g. in the Surety Alliance, also enable Gracher to offer their customers a worldwide presence.

Previously, Carl E. Hoestermann worked as a freelance interim manager for treasury and corporate finance. Within the scope of this activity, he advised both medium-sized companies and corporate groups on all issues relating to treasury and corporate finance. In addition to advising on all financing issues, a further focus was on pension and asset management. Mr. Hoestermann previously managed the entire treasury and corporate finance activities of HOCHTIEF AG in Essen for almost 20 years. This included global responsibility for all financing issues, liquidity and cash management, collateral management and project financing. In addition, he was for 13 years the Executive Board member with operational responsibility for HOCHTIEF Pension Trust e.V., the financing vehicle for the domestic pension liabilities of the HOCHTIEF Group. Before joining HOCHTIEF, Mr. Hoestermann spent almost 8 years with Deutsche Bank AG, most recently 3 1/2 years as branch director. Mr. Hoestermann studied law and is still admitted to the bar. He is married and has three children.

Translated with www.DeepL.com/Translator (free version)

The studied business IT specialist works on the development of solutions for the business unit Credit & Surety with the focus on Business Connectivity in the area of credit lines.

The studied mathematician is responsible for development of the CAM base platform and expert for partner integration. In his long career at SCHUMANN he also was in lead for various client projects.

Hermann Bell is 59 years old and married. The trained business economist has been active in the factoring back office of Targobank AG for 31 years. As Chief Credit Officer Factoring, he is currently responsible for all operative factoring departments in the institute's back office.

The factoring division of Targobank AG has its roots in Heller Factoring Bank AG, which was founded in Mainz in 1964 and was thus one of the pioneers in the German factoring market. After several changes of ownership, Targobank AG is now embedded in the French Credit Mutuel Group.
As one of the largest and most successful banks in France, the cooperative stands for solidarity and continuity. With more than 50 years of factoring expertise, Targo Factoring has established itself as one of the market leaders in Germany. Reliability, experienced employees, fast decisions and systems characterised by a high degree of automation and digitalised workflows form the basis for a high reputation in the market.

Ralph Cohausz has been with Coface for 20 years. For almost 3 years he was Managing Director Information Director Northern European Region, and for another almost 4 years he was Head of Enhanced Information Center Germany.

Prior to this, Ralph Cohausz was an authorized signatory of the Rating Line, after having worked as deputy head of department in the credit department.

The studied mathematician is responsible for development and project management of solutions for the business unit Industry & Trade.