Torsten Kleine Buening In a business governed by numbers , Torsten ’ s numerical acumen and love for crunching digits are his greatest assets , along with his expertise at devising strategies that minimise risk for companies and their customers . An experienced risk practitioner , Torsten has close to 20 years of experience covering conventional and Islamic finance in developed and emerging markets . Torsten ’ s career spans a diverse range of leadership roles for risk and capital management , risk governance and modelling in regional and multinational financial institutions , as well as startups and risk-related roles in consulting . He has worked on prestigious assignments and engagements in the US , Europe , the Middle East , Singapore and most recently Mongolia . Torsten successfully drove projects and change initiatives including a Basel II implementation across 11 countries , an Asset Quality Review under European Central Bank rules and a Machine Learning-based credit decision-making framework . Before joining Deem as Chief Risk Officer , Torsten worked at Tenger Financial Group , where he served as Chief Risk Officer for XacBank , responsible for Risk , Fraud and Compliance and as Board member for Tenger Insurance . He holds a degree as Diplom Wirtschafts-Informatiker / Master of Science in Information Systems of Westfaelische Wilhelms-Universitaet Muenster / Germany .