Ulf is a Director with responsibility for the Frankfurt office where he leads consulting assignments in Germany and other Central European countries. Ulf brings more than 25 years of experience and executive management in the German retail banking industry. Prior to EDC, he spent 16 years with Banco Santander in Germany in several key management positions. He was CEO of Santander Direct Bank, the first German Online Bank, for more than 10 years. Ulf holds a BS degree from TCU and an MBA from NTSU, both in Texas, USA. Ulf has been accredited by the German BaFin to lead and operate a bank in Germany.