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Arnd Bernbeck is a seasoned banking professional with extensive experience in credit and risk management, currently serving as Managing Director and Chief Credit Officer at DZ BANK AG since March 2003. Throughout a distinguished career, Bernbeck has held several key positions, including Deputy of the Chief Credit Officer and head of various credit departments such as Structured Finance, Multinationals, and Corporate Banking. Additionally, Bernbeck is involved in governance as Deputy Chairman of the Supervisory Board at VR Factoring GmbH and VR Equitypartner GmbH, and previously served on the Supervisory Board of DVB Bank SE. Bernbeck's earlier roles at Deutsche Bank AG included Director positions focused on environmental and renewable energy technology, as well as relationship management for multinationals. Bernbeck holds a Diplom-Kaufmann degree from the University of Münster.