ICAAP · ILAAP · ESG · Governance

Thomas
Maul

Senior Manager Banking & Regulation

Translating regulatory requirements into genuine management logic — audit-proof, decision-relevant and effective.

I work with boards, CROs and risk owners to embed ICAAP, ILAAP and ESG frameworks in a way that goes beyond documentation — turning regulatory obligations into real decision-making tools. 30 years of banking and consulting across the DACH region.

At a glance
Years of experience 30+
Current role Senior Manager
PPI AG
Focus areas ICAAP · ILAAP
ESG · Governance
Region DACH
Publications 15+
Positioning

Sparring.
Not just consulting.

Thomas Maul

Many institutions fulfil ICAAP, ILAAP or ESG requirements in a formally correct way — and yet still fail to make better decisions as a result. The reason is rarely a lack of expertise. It is the missing link between regulatory obligation and actual management logic.

That is precisely where I work: as a trusted sparring partner for decision-makers and risk owners — in banks, savings banks and financial services firms, but also in FinTechs and other areas of the financial sector where regulatory complexity must be translated into decision-relevant management action.

Banks & Savings Banks Financial Services FinTechs Leasing Insurance Payment & E-Money Institutions BNPL & Trading Platforms DACH Region

Expertise &
Focus Areas

ICAAP & Risk-Bearing Capacity
ICAAP · RBC · SREP · CRR · Stress Testing
Governance structures, risk-bearing capacity and stress testing — from concept through to embedding in the management framework.
ILAAP & Treasury
ILAAP · MREL · TLAC · Liquidity · ALM
Liquidity management, funding strategy and ALCO processes — economic management logic for banks and financial institutions.
ESG Risk Management
ESG · PRB · Climate Risk · Sustainability Risks
Pragmatic integration of ESG risks into existing management frameworks — going well beyond reporting and checklists.
Governance & MaRisk
MaRisk · Policies · Committees · Processes
Accountability and decision-making logic at management level — structured, audit-proof and effective.
Models & Validation
Model Risk · Model Validation · Quantitative Methods
Mathematical foundation for risk modelling, model validation and stress test scenarios — with a clear focus on practical applicability.
Seminars & Publications
Workshops · Coaching · Knowledge Transfer
Technical seminars, workshops and publications for executives and risk owners — sharing knowledge that makes a difference.

30 Years of Banking

Apr 2010 – present
Senior Manager Banking & Regulation
PPI AG - Banking Consultancy, Hamburg (formerly TriSolutions GmbH)
Advising banks, savings banks and financial services firms on translating regulatory requirements into actionable management frameworks — ICAAP, ILAAP, ESG, Governance, Stress Testing · Team lead since 2017 · §25d KWG Executive Board Training
Selected projects: ESG risk inventory with strategy feedback · CSRD/double materiality analysis (insurance) · Compliance framework for online trading platform (ZAG-MaRisk, AI Act) · Risk management & treasury realignment
Oct 2008 – Mar 2010
Sabbatical — Africa clockwise
Private Expedition & Book Project
14 months, one car, one continent — published as a travel memoir
Learn more ↓
Jul 2006 – Dec 2008
Head of Treasury & Markets
Landesbank Baden-Württemberg, Leipzig Branch (formerly Sachsen LB)
Trading book, banking book, strategic liquidity management, ALM, derivatives and structured products for institutional clients
Sep 2006 – Apr 2008
Head of Board
Humboldt-Multi-Invest SICAV A & B, Luxembourg
Management and oversight of funds for institutional clients — concurrent with LBBW role
May 2002 – Jun 2006
Head of Treasury
Landesbank Sachsen
Full treasury responsibility — funding strategy, public sector lending, rating processes and debt issuance programmes
Jul 2000 – Apr 2002
Head of Risk Controlling Capital Markets
Landesbank Sachsen
Management and limitation of market and counterparty risks for all trading and treasury activities
Jun 1998 – Jun 2000
Head of Market Risk Controlling
Landesbank Sachsen
Market risk controlling and profit & loss calculation for all trading and treasury activities
Apr 1995 – May 1998
Employee Treasury
Landesbank Sachsen
Transfer pricing and funding for loan portfolios — building expertise in treasury and risk controlling
Diploma in Mathematics
University of Leipzig — Mathematics with minors in Business Studies & Physics
Sep 1989 – Mar 1995
Download CV

Skills &
Qualifications

Languages
German — Native
English — Fluent (C1+)
Spanish — Basic
Russian — Basic
Arabic — Basic
Serbian — Basic
Office & Productivity
MS Office
Excel · Word · PowerPoint
AI Tools
Claude · ChatGPT · Gemini
Perplexity · Gamma
NotebookLM
Automation & Coding
n8n · Node-RED
VS Code · Scripting
Web Design
Smart Home & IoT
ioBroker
System Integration
Home Automation

Publications &
Contributions

View all publications
"Not documentation for its own sake — but governance with substance."

As an ESG enthusiast, I support banks and financial institutions in the pragmatic integration of sustainability risks into existing management frameworks — from strategy development through to operational implementation in line with the Principles for Responsible Banking.

ESG · PRB · Climate Risk · ICAAP/ILAAP
Travel

Africa
clockwise

2008/2009: 14 months, one car, one continent — from Europe through Africa and back. A deliberate break that was published as a travel memoir, demonstrating that initiative and perseverance work just as well outside of institutions.

The travel blog is available in German only.

Interested in a
conversation?

Whether it is a specific project enquiry, a professional exchange or an initial introduction — I look forward to hearing from you.

E-mail ↗ LinkedIn ↗