Comprehensive Risk Management Framework for Banking Excellence
MaRisk Compliance
Achieve full compliance with MaRisk (Minimum Requirements for Risk Management) through our comprehensive framework. We support German financial institutions in implementing effective risk management systems that meet all BaFin requirements.
- ✓Complete MaRisk compliance framework implementation
- ✓Integrated risk management and governance systems
- ✓BaFin audit readiness and comprehensive documentation
- ✓Ongoing compliance monitoring and regulatory updates
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Our clients trust our expertise in digital transformation, compliance, and risk management
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MaRisk Compliance: Minimum Requirements for Risk Management in German Banking
Our Strengths
- Long-standing expertise in implementing regulatory requirements
- Deep understanding of supervisory expectations
- Pragmatic and customized solution approaches
- Successful support of numerous MaRisk projects of varying complexity
⚠
Expert Insight
MaRisk is principle-based and offers design flexibility. Use this to align regulatory requirements with business objectives and achieve synergy effects.
ADVISORI in Numbers
11+
Years of Experience
120+
Employees
520+
Projects
ADVISORI's MaRisk compliance methodology ensures systematic implementation and ongoing adherence to German banking risk management requirements through structured analysis, strategic implementation, and continuous optimization:**Requirement Analysis:** We conduct comprehensive analysis of MaRisk requirements across all relevant areas, identifying specific obligations, implementation priorities, and organizational impacts to establish clear compliance roadmaps.**Gap Assessment:** Systematic evaluation of current risk management practices against MaRisk requirements identifies compliance gaps, implementation needs, and optimization opportunities for focused remediation efforts.**Framework Implementation:** We develop and implement comprehensive MaRisk frameworks covering all requirement areas including risk management organization, risk strategies, risk-bearing capacity, specific risk types, internal controls, and governance structures.**Process Integration:** Our approaches integrate MaRisk requirements into existing risk management processes, ensuring seamless compliance while maintaining operational efficiency and supporting business objectives.**Continuous Compliance:** Ongoing monitoring, regular reviews, and systematic updates ensure sustained MaRisk compliance despite evolving requirements, changing business environments, and organizational developments.
Our Approach:
Analysis of existing structures and identification of action requirements
Development of practical and efficient solution concepts
Implementation support and change management
Employee training and promotion of appropriate risk culture
Continuous support for updates and adjustments
"Implementing MaRisk requires a deep understanding of both regulatory requirements and business reality. With ADVISORI, you have a partner who combines both perspectives and develops pragmatic solutions that ensure compliance while promoting your business success."
Andreas Krekel
Head of Risk Management, Regulatory Reporting
Expertise & Experience:
10+ years of experience, SQL, R-Studio, BAIS-MSG, ABACUS, SAPBA, HPQC, JIRA, MS Office, SAS, Business Process Manager, IBM Operational Decision Management
Our Services
We offer you tailored solutions for your digital transformation
MaRisk Gap Analysis
Comprehensive assessment of current risk management practices against MaRisk requirements identifying compliance gaps and implementation priorities.
- Systematic evaluation of risk management organization, governance structures, and control frameworks against MaRisk requirements
- Assessment of risk management processes across all risk types including credit, market, liquidity, and operational risks
- Evaluation of internal control systems, compliance function, and internal audit against MaRisk standards
- Prioritized remediation roadmap with clear implementation steps, resource requirements, and timeline recommendations
Outsourcing Management
Comprehensive outsourcing management frameworks ensuring compliance with MaRisk outsourcing requirements and effective third-party risk management.
- Outsourcing strategy development defining outsourcing scope, vendor selection criteria, and risk management approaches
- Vendor due diligence and assessment processes ensuring comprehensive evaluation of outsourcing partners
- Contract management frameworks establishing clear service levels, control requirements, and exit strategies
- Ongoing monitoring and oversight processes ensuring continued compliance and effective vendor management
Looking for a complete overview of all our services?
View Complete Service OverviewOur Areas of Expertise in Regulatory Compliance Management
Our expertise in managing regulatory compliance and transformation, including DORA.
DORA Digital Operational Resilience Act
Stärken Sie Ihre digitale operationelle Widerstandsfähigkeit gemäß DORA.
▼
Regulatory Transformation Projektmanagement
Wir steuern Ihre regulatorischen Transformationsprojekte erfolgreich – von der Konzeption bis zur nachhaltigen Implementierung.
▼
Frequently Asked Questions about MaRisk Compliance
What is MaRisk and why is it critical for German banking institutions?
MaRisk (Mindestanforderungen an das Risikomanagement) establishes minimum requirements for risk management in German banking institutions, defining comprehensive standards for risk identification, assessment, management, and monitoring that all German banks and financial institutions must satisfy. MaRisk is critical because it forms the foundation of German banking supervision, ensuring institutions maintain sound risk management practices, effective internal controls, and robust governance frameworks that protect financial stability and depositor interests.
🎯 MaRisk Core Requirements:
•
Risk Management Organization: Comprehensive organizational structures, clear responsibilities, and adequate resources for effective risk management across all risk types and business areas.
•
Risk-Bearing Capacity: Systematic assessment and monitoring of risk-bearing capacity ensuring institutions can absorb potential losses while maintaining regulatory capital requirements.
•
Risk Strategies: Clear risk strategies for all material risk types defining risk appetite, risk limits, and risk management approaches aligned with business strategy.
•
Internal Control Systems: Effective internal controls including process controls, compliance function, and risk control function ensuring proper risk management and regulatory compliance.
•
Internal Audit: Independent internal audit function providing objective assurance on risk management effectiveness and regulatory compliance.
💡 ADVISORI's MaRisk Excellence:We provide comprehensive MaRisk compliance services covering all requirement areas. Our systematic approaches ensure regulatory compliance while supporting effective risk management and business objectives.
How does MaRisk differ from other banking regulations like Basel III or DORA?
MaRisk is specifically focused on risk management requirements for German banking institutions, while Basel III addresses capital adequacy and DORA focuses on digital operational resilience. Understanding these differences is essential for developing integrated compliance approaches that satisfy all applicable requirements efficiently.
📊 Regulatory Framework Comparison:
•
MaRisk Scope: Comprehensive risk management requirements covering organizational structures, risk strategies, risk-bearing capacity, specific risk types, internal controls, and governance for German banks.
•
Basel III Scope: International capital adequacy framework defining minimum capital requirements, leverage ratios, and liquidity standards for banks globally.
•
DORA Scope: EU regulation focusing specifically on digital operational resilience including ICT risk management, incident reporting, testing, and third-party risk for financial entities.
•
Geographic Application: MaRisk applies to German institutions, Basel III is implemented globally, DORA applies across EU member states.
•
Supervisory Authority: MaRisk enforced by BaFin (German Federal Financial Supervisory Authority), Basel III by national regulators, DORA by EU authorities.
🎯 Integration Approach:ADVISORI develops integrated compliance frameworks that harmonize MaRisk with Basel III, DORA, and other applicable regulations. Our approaches identify synergies, eliminate redundancies, and create efficient compliance structures satisfying all requirements.
What are the key components of a MaRisk-compliant risk management framework?
A MaRisk-compliant risk management framework requires comprehensive components spanning organizational structures, risk strategies, risk-bearing capacity assessment, specific risk management processes, internal controls, and governance mechanisms. ADVISORI develops integrated frameworks addressing all MaRisk requirements systematically.
🏗 ️ Framework Components:
•
Risk Management Organization: Clear organizational structures with defined responsibilities, adequate resources, and appropriate expertise for risk identification, assessment, management, and monitoring.
•
Risk Strategies: Comprehensive risk strategies for all material risk types (credit, market, liquidity, operational) defining risk appetite, risk limits, and management approaches.
•
Risk-Bearing Capacity: Systematic assessment and monitoring of risk-bearing capacity ensuring institutions can absorb potential losses while maintaining regulatory capital.
•
Risk Identification and Assessment: Processes for identifying and assessing all material risks including emerging risks and concentration risks.
•
Risk Management and Monitoring: Active risk management processes including risk mitigation, risk transfer, and continuous risk monitoring with appropriate escalation procedures.
•
Internal Control Systems: Comprehensive internal controls including process controls, compliance function, risk control function, and internal audit.
💡 ADVISORI's Framework Excellence:We develop comprehensive MaRisk frameworks tailored to institutional size, complexity, and risk profile. Our approaches ensure regulatory compliance while supporting effective risk management and operational efficiency.
How do we assess and maintain risk-bearing capacity under MaRisk requirements?
Risk-bearing capacity assessment is a core MaRisk requirement ensuring institutions can absorb potential losses while maintaining regulatory capital requirements and business continuity. ADVISORI develops comprehensive risk-bearing capacity frameworks addressing all MaRisk requirements.
📊 Risk-Bearing Capacity Framework:
•
Risk Quantification: Systematic quantification of all material risks using appropriate methodologies (VaR, stress testing, scenario analysis) considering risk correlations and concentrations.
•
Capital Assessment: Comprehensive assessment of available capital considering regulatory capital, economic capital, and going-concern vs. gone-concern perspectives.
•
Capacity Calculation: Comparison of risk exposure against available capital determining risk-bearing capacity and identifying potential capacity constraints.
•
Limit Setting: Establishment of risk limits based on risk-bearing capacity ensuring risks remain within acceptable levels and capital adequacy is maintained.
•
Monitoring and Reporting: Continuous monitoring of risk-bearing capacity with regular reporting to management and supervisory board including early warning indicators.
•
Stress Testing: Regular stress testing and scenario analysis assessing risk-bearing capacity under adverse conditions and identifying potential vulnerabilities.
🎯 ADVISORI's Capacity Excellence:We develop sophisticated risk-bearing capacity frameworks using advanced methodologies while ensuring practical implementation and ongoing monitoring. Our approaches satisfy MaRisk requirements while supporting strategic risk management.
What internal control systems are required under MaRisk?
MaRisk requires comprehensive internal control systems (IKS
•
Internes Kontrollsystem) ensuring effective risk management, regulatory compliance, and operational reliability. ADVISORI develops integrated internal control frameworks addressing all MaRisk requirements.
🛡 ️ Internal Control System Components:
•
Process Controls: Embedded controls within business processes ensuring proper execution, authorization, and documentation of transactions and activities.
•
Compliance Function: Independent compliance function monitoring regulatory compliance, identifying compliance risks, and advising management on compliance matters.
•
Risk Control Function: Independent risk control function monitoring risk management effectiveness, validating risk assessments, and reporting to management.
•
Internal Audit: Independent internal audit function providing objective assurance on internal control effectiveness and regulatory compliance.
•
Segregation of Duties: Appropriate segregation of duties preventing conflicts of interest and ensuring independent control execution.
•
Control Monitoring: Systematic monitoring of control effectiveness with regular testing, issue identification, and remediation tracking.
💡 ADVISORI's Control Excellence:We design comprehensive internal control systems balancing control effectiveness with operational efficiency. Our approaches ensure MaRisk compliance while supporting business objectives and avoiding excessive bureaucracy.
How does MaRisk address outsourcing and third-party risk management?
MaRisk establishes comprehensive outsourcing requirements ensuring institutions maintain effective oversight and control over outsourced activities while managing associated risks. ADVISORI develops integrated outsourcing management frameworks addressing all MaRisk requirements.
🤝 MaRisk Outsourcing Requirements:
•
Outsourcing Strategy: Clear outsourcing strategy defining outsourcing scope, vendor selection criteria, and risk management approaches aligned with business strategy.
•
Risk Assessment: Comprehensive risk assessment before outsourcing decisions evaluating operational, compliance, reputational, and concentration risks.
•
Vendor Due Diligence: Thorough vendor evaluation assessing financial stability, technical capabilities, security measures, and regulatory compliance.
•
Contract Requirements: Comprehensive contracts defining service levels, control requirements, audit rights, data protection, and exit strategies.
•
Ongoing Monitoring: Continuous monitoring of outsourcing arrangements including performance monitoring, control testing, and risk assessment.
•
Concentration Risk: Management of outsourcing concentration risks avoiding excessive dependence on single vendors or service providers.
🎯 ADVISORI's Outsourcing Excellence:We develop comprehensive outsourcing management frameworks ensuring MaRisk compliance while enabling effective vendor relationships. Our approaches balance regulatory requirements with operational efficiency and business needs.
What documentation is required for MaRisk compliance?
MaRisk requires comprehensive documentation demonstrating risk management effectiveness, internal control adequacy, and regulatory compliance. ADVISORI develops efficient documentation frameworks satisfying all MaRisk requirements while optimizing documentation effort.
📋 MaRisk Documentation Requirements:
•
Risk Management Policies: Comprehensive policies defining risk management organization, responsibilities, processes, and methodologies for all risk types.
•
Risk Strategies: Documented risk strategies for all material risk types defining risk appetite, risk limits, and management approaches.
•
Process Documentation: Detailed process descriptions for risk identification, assessment, management, monitoring, and reporting activities.
•
Control Documentation: Documentation of internal controls including control descriptions, control testing results, and remediation activities.
•
Risk Reports: Regular risk reports to management and supervisory board covering risk exposures, risk-bearing capacity, limit utilization, and emerging risks.
•
Audit Documentation: Internal audit plans, audit reports, findings, and remediation tracking demonstrating independent assurance activities.
💡 ADVISORI's Documentation Excellence:We develop efficient documentation frameworks using templates, standardized formats, and automated documentation tools. Our approaches ensure MaRisk compliance while minimizing documentation burden and maintaining documentation quality.
How do we implement MaRisk requirements for credit risk management?
MaRisk establishes comprehensive credit risk management requirements covering credit approval processes, risk assessment methodologies, limit management, and portfolio monitoring. ADVISORI develops integrated credit risk frameworks addressing all MaRisk requirements.
💳 Credit Risk Management Framework:
•
Credit Risk Strategy: Clear credit risk strategy defining target markets, risk appetite, concentration limits, and credit risk management approaches.
•
Credit Approval Process: Structured credit approval processes with appropriate authorization levels, independent credit assessment, and documented decision-making.
•
Risk Assessment: Comprehensive credit risk assessment using appropriate methodologies (rating systems, scoring models) considering borrower creditworthiness and collateral.
•
Limit Management: Credit limit systems defining exposure limits at borrower, portfolio, and institutional levels with regular limit monitoring.
•
Portfolio Monitoring: Continuous credit portfolio monitoring identifying deteriorating credits, concentration risks, and emerging portfolio trends.
•
Problem Loan Management: Systematic processes for identifying, classifying, and managing problem loans including workout strategies and provisioning.
🎯 ADVISORI's Credit Risk Excellence:We develop comprehensive credit risk frameworks balancing risk management effectiveness with business efficiency. Our approaches ensure MaRisk compliance while supporting credit business objectives and profitability.
What are MaRisk requirements for operational risk management?
MaRisk requires systematic operational risk management covering risk identification, assessment, mitigation, and monitoring of operational risks including process failures, system failures, human errors, and external events. ADVISORI develops comprehensive operational risk frameworks addressing all MaRisk requirements.
⚙ ️ Operational Risk Management Framework:
•
Risk Identification: Systematic identification of operational risks using multiple approaches (risk assessments, incident analysis, scenario analysis, key risk indicators).
•
Risk Assessment: Comprehensive assessment of operational risks evaluating likelihood and impact using qualitative and quantitative methodologies.
•
Risk Mitigation: Active operational risk mitigation through process improvements, control enhancements, insurance, and business continuity planning.
•
Incident Management: Structured incident management processes for capturing, analyzing, and learning from operational risk events.
•
Key Risk Indicators: Monitoring of key risk indicators providing early warning of emerging operational risks and control weaknesses.
•
Business Continuity: Comprehensive business continuity and disaster recovery planning ensuring operational resilience under adverse scenarios.
💡 ADVISORI's Operational Risk Excellence:We develop practical operational risk frameworks focusing on material risks while avoiding excessive complexity. Our approaches ensure MaRisk compliance while supporting operational efficiency and business continuity.
How does ADVISORI support ongoing MaRisk compliance and continuous improvement?
Ongoing MaRisk compliance requires continuous monitoring, regular reviews, and systematic updates adapting to regulatory changes, business developments, and emerging risks. ADVISORI provides comprehensive ongoing support ensuring sustained compliance and continuous improvement.
🔄 Ongoing Compliance Framework:
•
Compliance Monitoring: Continuous monitoring of MaRisk compliance through regular assessments, control testing, and compliance reporting.
•
Regulatory Updates: Systematic tracking of MaRisk updates, BaFin guidance, and supervisory expectations with impact assessment and implementation support.
•
Framework Reviews: Regular reviews of risk management frameworks identifying optimization opportunities and ensuring continued effectiveness.
•
Training and Awareness: Ongoing training programs maintaining organizational understanding of MaRisk requirements and risk management best practices.
•
Audit Support: Support for internal and external audits including audit preparation, finding remediation, and control improvement.
•
Continuous Improvement: Systematic improvement initiatives implementing lessons learned, best practices, and innovation opportunities.
🎯 ADVISORI's Support Excellence:We provide flexible ongoing support tailored to institutional needs ranging from periodic reviews to continuous advisory services. Our approaches ensure sustained MaRisk compliance while supporting risk management excellence and operational efficiency.
What is MaRisk and why is it critical for German banking institutions?
MaRisk (Mindestanforderungen an das Risikomanagement) establishes minimum requirements for risk management in German banking institutions, defining comprehensive standards for risk identification, assessment, management, and monitoring that all German banks and financial institutions must satisfy. MaRisk is critical because it forms the foundation of German banking supervision, ensuring institutions maintain sound risk management practices, effective internal controls, and robust governance frameworks that protect financial stability and depositor interests.
🎯 MaRisk Core Requirements:
•
Risk Management Organization: Comprehensive organizational structures, clear responsibilities, and adequate resources for effective risk management across all risk types and business areas.
•
Risk-Bearing Capacity: Systematic assessment and monitoring of risk-bearing capacity ensuring institutions can absorb potential losses while maintaining regulatory capital requirements.
•
Risk Strategies: Clear risk strategies for all material risk types defining risk appetite, risk limits, and risk management approaches aligned with business strategy.
•
Internal Control Systems: Effective internal controls including process controls, compliance function, and risk control function ensuring proper risk management and regulatory compliance.
•
Internal Audit: Independent internal audit function providing objective assurance on risk management effectiveness and regulatory compliance.
💡 ADVISORI's MaRisk Excellence:We provide comprehensive MaRisk compliance services covering all requirement areas. Our systematic approaches ensure regulatory compliance while supporting effective risk management and business objectives.
How does MaRisk differ from other banking regulations like Basel III or DORA?
MaRisk is specifically focused on risk management requirements for German banking institutions, while Basel III addresses capital adequacy and DORA focuses on digital operational resilience. Understanding these differences is essential for developing integrated compliance approaches that satisfy all applicable requirements efficiently.
📊 Regulatory Framework Comparison:
•
MaRisk Scope: Comprehensive risk management requirements covering organizational structures, risk strategies, risk-bearing capacity, specific risk types, internal controls, and governance for German banks.
•
Basel III Scope: International capital adequacy framework defining minimum capital requirements, leverage ratios, and liquidity standards for banks globally.
•
DORA Scope: EU regulation focusing specifically on digital operational resilience including ICT risk management, incident reporting, testing, and third-party risk for financial entities.
•
Geographic Application: MaRisk applies to German institutions, Basel III is implemented globally, DORA applies across EU member states.
•
Supervisory Authority: MaRisk enforced by BaFin (German Federal Financial Supervisory Authority), Basel III by national regulators, DORA by EU authorities.
🎯 Integration Approach:ADVISORI develops integrated compliance frameworks that harmonize MaRisk with Basel III, DORA, and other applicable regulations. Our approaches identify synergies, eliminate redundancies, and create efficient compliance structures satisfying all requirements.
What are the key components of a MaRisk-compliant risk management framework?
A MaRisk-compliant risk management framework requires comprehensive components spanning organizational structures, risk strategies, risk-bearing capacity assessment, specific risk management processes, internal controls, and governance mechanisms. ADVISORI develops integrated frameworks addressing all MaRisk requirements systematically.
🏗 ️ Framework Components:
•
Risk Management Organization: Clear organizational structures with defined responsibilities, adequate resources, and appropriate expertise for risk identification, assessment, management, and monitoring.
•
Risk Strategies: Comprehensive risk strategies for all material risk types (credit, market, liquidity, operational) defining risk appetite, risk limits, and management approaches.
•
Risk-Bearing Capacity: Systematic assessment and monitoring of risk-bearing capacity ensuring institutions can absorb potential losses while maintaining regulatory capital.
•
Risk Identification and Assessment: Processes for identifying and assessing all material risks including emerging risks and concentration risks.
•
Risk Management and Monitoring: Active risk management processes including risk mitigation, risk transfer, and continuous risk monitoring with appropriate escalation procedures.
•
Internal Control Systems: Comprehensive internal controls including process controls, compliance function, risk control function, and internal audit.
💡 ADVISORI's Framework Excellence:We develop comprehensive MaRisk frameworks tailored to institutional size, complexity, and risk profile. Our approaches ensure regulatory compliance while supporting effective risk management and operational efficiency.
How do we assess and maintain risk-bearing capacity under MaRisk requirements?
Risk-bearing capacity assessment is a core MaRisk requirement ensuring institutions can absorb potential losses while maintaining regulatory capital requirements and business continuity. ADVISORI develops comprehensive risk-bearing capacity frameworks addressing all MaRisk requirements.
📊 Risk-Bearing Capacity Framework:
•
Risk Quantification: Systematic quantification of all material risks using appropriate methodologies (VaR, stress testing, scenario analysis) considering risk correlations and concentrations.
•
Capital Assessment: Comprehensive assessment of available capital considering regulatory capital, economic capital, and going-concern vs. gone-concern perspectives.
•
Capacity Calculation: Comparison of risk exposure against available capital determining risk-bearing capacity and identifying potential capacity constraints.
•
Limit Setting: Establishment of risk limits based on risk-bearing capacity ensuring risks remain within acceptable levels and capital adequacy is maintained.
•
Monitoring and Reporting: Continuous monitoring of risk-bearing capacity with regular reporting to management and supervisory board including early warning indicators.
•
Stress Testing: Regular stress testing and scenario analysis assessing risk-bearing capacity under adverse conditions and identifying potential vulnerabilities.
🎯 ADVISORI's Capacity Excellence:We develop sophisticated risk-bearing capacity frameworks using advanced methodologies while ensuring practical implementation and ongoing monitoring. Our approaches satisfy MaRisk requirements while supporting strategic risk management.
What internal control systems are required under MaRisk?
MaRisk requires comprehensive internal control systems (IKS
•
Internes Kontrollsystem) ensuring effective risk management, regulatory compliance, and operational reliability. ADVISORI develops integrated internal control frameworks addressing all MaRisk requirements.
🛡 ️ Internal Control System Components:
•
Process Controls: Embedded controls within business processes ensuring proper execution, authorization, and documentation of transactions and activities.
•
Compliance Function: Independent compliance function monitoring regulatory compliance, identifying compliance risks, and advising management on compliance matters.
•
Risk Control Function: Independent risk control function monitoring risk management effectiveness, validating risk assessments, and reporting to management.
•
Internal Audit: Independent internal audit function providing objective assurance on internal control effectiveness and regulatory compliance.
•
Segregation of Duties: Appropriate segregation of duties preventing conflicts of interest and ensuring independent control execution.
•
Control Monitoring: Systematic monitoring of control effectiveness with regular testing, issue identification, and remediation tracking.
💡 ADVISORI's Control Excellence:We design comprehensive internal control systems balancing control effectiveness with operational efficiency. Our approaches ensure MaRisk compliance while supporting business objectives and avoiding excessive bureaucracy.
How does MaRisk address outsourcing and third-party risk management?
MaRisk establishes comprehensive outsourcing requirements ensuring institutions maintain effective oversight and control over outsourced activities while managing associated risks. ADVISORI develops integrated outsourcing management frameworks addressing all MaRisk requirements.
🤝 MaRisk Outsourcing Requirements:
•
Outsourcing Strategy: Clear outsourcing strategy defining outsourcing scope, vendor selection criteria, and risk management approaches aligned with business strategy.
•
Risk Assessment: Comprehensive risk assessment before outsourcing decisions evaluating operational, compliance, reputational, and concentration risks.
•
Vendor Due Diligence: Thorough vendor evaluation assessing financial stability, technical capabilities, security measures, and regulatory compliance.
•
Contract Requirements: Comprehensive contracts defining service levels, control requirements, audit rights, data protection, and exit strategies.
•
Ongoing Monitoring: Continuous monitoring of outsourcing arrangements including performance monitoring, control testing, and risk assessment.
•
Concentration Risk: Management of outsourcing concentration risks avoiding excessive dependence on single vendors or service providers.
🎯 ADVISORI's Outsourcing Excellence:We develop comprehensive outsourcing management frameworks ensuring MaRisk compliance while enabling effective vendor relationships. Our approaches balance regulatory requirements with operational efficiency and business needs.
What documentation is required for MaRisk compliance?
MaRisk requires comprehensive documentation demonstrating risk management effectiveness, internal control adequacy, and regulatory compliance. ADVISORI develops efficient documentation frameworks satisfying all MaRisk requirements while optimizing documentation effort.
📋 MaRisk Documentation Requirements:
•
Risk Management Policies: Comprehensive policies defining risk management organization, responsibilities, processes, and methodologies for all risk types.
•
Risk Strategies: Documented risk strategies for all material risk types defining risk appetite, risk limits, and management approaches.
•
Process Documentation: Detailed process descriptions for risk identification, assessment, management, monitoring, and reporting activities.
•
Control Documentation: Documentation of internal controls including control descriptions, control testing results, and remediation activities.
•
Risk Reports: Regular risk reports to management and supervisory board covering risk exposures, risk-bearing capacity, limit utilization, and emerging risks.
•
Audit Documentation: Internal audit plans, audit reports, findings, and remediation tracking demonstrating independent assurance activities.
💡 ADVISORI's Documentation Excellence:We develop efficient documentation frameworks using templates, standardized formats, and automated documentation tools. Our approaches ensure MaRisk compliance while minimizing documentation burden and maintaining documentation quality.
How do we implement MaRisk requirements for credit risk management?
MaRisk establishes comprehensive credit risk management requirements covering credit approval processes, risk assessment methodologies, limit management, and portfolio monitoring. ADVISORI develops integrated credit risk frameworks addressing all MaRisk requirements.
💳 Credit Risk Management Framework:
•
Credit Risk Strategy: Clear credit risk strategy defining target markets, risk appetite, concentration limits, and credit risk management approaches.
•
Credit Approval Process: Structured credit approval processes with appropriate authorization levels, independent credit assessment, and documented decision-making.
•
Risk Assessment: Comprehensive credit risk assessment using appropriate methodologies (rating systems, scoring models) considering borrower creditworthiness and collateral.
•
Limit Management: Credit limit systems defining exposure limits at borrower, portfolio, and institutional levels with regular limit monitoring.
•
Portfolio Monitoring: Continuous credit portfolio monitoring identifying deteriorating credits, concentration risks, and emerging portfolio trends.
•
Problem Loan Management: Systematic processes for identifying, classifying, and managing problem loans including workout strategies and provisioning.
🎯 ADVISORI's Credit Risk Excellence:We develop comprehensive credit risk frameworks balancing risk management effectiveness with business efficiency. Our approaches ensure MaRisk compliance while supporting credit business objectives and profitability.
What are MaRisk requirements for operational risk management?
MaRisk requires systematic operational risk management covering risk identification, assessment, mitigation, and monitoring of operational risks including process failures, system failures, human errors, and external events. ADVISORI develops comprehensive operational risk frameworks addressing all MaRisk requirements.
⚙ ️ Operational Risk Management Framework:
•
Risk Identification: Systematic identification of operational risks using multiple approaches (risk assessments, incident analysis, scenario analysis, key risk indicators).
•
Risk Assessment: Comprehensive assessment of operational risks evaluating likelihood and impact using qualitative and quantitative methodologies.
•
Risk Mitigation: Active operational risk mitigation through process improvements, control enhancements, insurance, and business continuity planning.
•
Incident Management: Structured incident management processes for capturing, analyzing, and learning from operational risk events.
•
Key Risk Indicators: Monitoring of key risk indicators providing early warning of emerging operational risks and control weaknesses.
•
Business Continuity: Comprehensive business continuity and disaster recovery planning ensuring operational resilience under adverse scenarios.
💡 ADVISORI's Operational Risk Excellence:We develop practical operational risk frameworks focusing on material risks while avoiding excessive complexity. Our approaches ensure MaRisk compliance while supporting operational efficiency and business continuity.
How does ADVISORI support ongoing MaRisk compliance and continuous improvement?
Ongoing MaRisk compliance requires continuous monitoring, regular reviews, and systematic updates adapting to regulatory changes, business developments, and emerging risks. ADVISORI provides comprehensive ongoing support ensuring sustained compliance and continuous improvement.
🔄 Ongoing Compliance Framework:
•
Compliance Monitoring: Continuous monitoring of MaRisk compliance through regular assessments, control testing, and compliance reporting.
•
Regulatory Updates: Systematic tracking of MaRisk updates, BaFin guidance, and supervisory expectations with impact assessment and implementation support.
•
Framework Reviews: Regular reviews of risk management frameworks identifying optimization opportunities and ensuring continued effectiveness.
•
Training and Awareness: Ongoing training programs maintaining organizational understanding of MaRisk requirements and risk management best practices.
•
Audit Support: Support for internal and external audits including audit preparation, finding remediation, and control improvement.
•
Continuous Improvement: Systematic improvement initiatives implementing lessons learned, best practices, and innovation opportunities.
🎯 ADVISORI's Support Excellence:We provide flexible ongoing support tailored to institutional needs ranging from periodic reviews to continuous advisory services. Our approaches ensure sustained MaRisk compliance while supporting risk management excellence and operational efficiency.
Success Stories
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Generative KI in der Fertigung
Bosch
KI-Prozessoptimierung für bessere Produktionseffizienz
Fallstudie
Ergebnisse
Reduzierung der Implementierungszeit von AI-Anwendungen auf wenige Wochen
Verbesserung der Produktqualität durch frühzeitige Fehlererkennung
Steigerung der Effizienz in der Fertigung durch reduzierte Downtime
AI Automatisierung in der Produktion
Festo
Intelligente Vernetzung für zukunftsfähige Produktionssysteme
Fallstudie
Ergebnisse
Verbesserung der Produktionsgeschwindigkeit und Flexibilität
Reduzierung der Herstellungskosten durch effizientere Ressourcennutzung
Erhöhung der Kundenzufriedenheit durch personalisierte Produkte
KI-gestützte Fertigungsoptimierung
Siemens
Smarte Fertigungslösungen für maximale Wertschöpfung
Fallstudie
Ergebnisse
Erhebliche Steigerung der Produktionsleistung
Reduzierung von Downtime und Produktionskosten
Verbesserung der Nachhaltigkeit durch effizientere Ressourcennutzung
Digitalisierung im Stahlhandel
Klöckner & Co
Digitalisierung im Stahlhandel
Fallstudie
Ergebnisse
Über 2 Milliarden Euro Umsatz jährlich über digitale Kanäle
Ziel, bis 2022 60% des Umsatzes online zu erzielen
Verbesserung der Kundenzufriedenheit durch automatisierte Prozesse
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