Caroline Klausch is a Manager in the Practice Group Regional Banks OPEX at zeb. In this role, she is managing projects with a focus on process and credit management at cooperative banks.
Responsibility instead of regulationย โ risk culture lays the foundation for effective governance in the lending business
29/10/2026
The supervisory authorities have already recognized this: risk culture is no longer a soft topic, but an audit-relevant factor that allows conclusions to be drawn about an institutionโs manageability and stability.
