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Tim Albertmelcher has extensive experience in financial services, currently holding multiple roles in Unternehmensentwicklung, Smart Data, and Risikomanagement at VR Smart Finanz since March 2014. Prior to this, Tim served as the owner of Albertmelcher Wirtschaftsberatung from January 2013 to February 2014, and worked at Eurohypo AG in Debt Capital Markets and Credit Portfolio Management from July 2007 to December 2012. Tim's career began at PwC Deutschland from August 2004 to June 2007, focusing on trading operations and risk management. Tim holds a Diplom-Kaufmann in Wirtschaftswissenschaften from Johannes Gutenberg University Mainz, completed in 2004, and an Ausbildung as Bankkaufmann from LRP Landesbank Rheinland-Pfalz, completed in 2000.