Partners for Change

Through our entrepreneurial spirit and strategic thinking, zeb has established
itself as one of the leading strategy and management consultancy in the
financial services industry in Europe to date.

With our support, our clients address pressing issues and transformation
challenges arising from adverse market conditions, cost pressure,
digitalization and new regulatory requirements. Together, we master
today’s only constant—change.

The latest zeb.CFO Study is the result of in-depth surveys and interviews with more than 60 CFOs and other finance executives of large European banks. The study examines how finance executives can best overcome the conflict of creating strategic value while dealing with high-cost pressures and limited budgets.

European Banking Study 2020
With COVID-19, banks are not the source of the problem, as they were in the 2008-09 global financial crisis (GFC). Yet they will certainly be affected by the pandemic’s impact. In our European Banking Study 2020, we look at Europe’s 50 largest banks and try to quantify COVID-19’s effect on balance sheets and P&Ls.

Flash 33
Although Europe’s banks have become more resilient over the last years, they have to cope with low profitability and significant impacts on capitalization due to the COVID-19 pandemic.

Arnd Heßeler

Arnd Heßeler

Executive Manager

Arnd Heßeler is the head of zeb´s office in Luxembourg and is a member of two of zeb’s practice groups—“Private Banking, Asset and Wealth Management” and “Capital Markets and Securities Processing”. His experience of more than three decades in the financial services industry extends across corporate and private banking with senior management responsibilities in Europe and Latin America.

Andreas Rinker

Andreas Rinker

Founding Partner

Andreas Rinker, who can look back on more than 30 years of experience in banking and consulting altogether, co-founded zeb in 1992 and has been a member of the management board of the zeb group for 15 years. He is an expert in strategy, organization / IT transformation and risk management topics in retail banking, private banking / wealth management and corporate banking.

Volker Sielaff

Volker Sielaff

Senior Manager – Finance

Volker Sielaff consults clients on strategic finance issues leveraging his comprehensive knowledge of bank management. After stints at zeb in Germany and Switzerland, he is now a member of zeb’s Luxembourg client team.

Who we are....

We are partners for change.
We focus on what matters to our clients in the financial services industry – our goal is to improve their performance and competitive strength. We support and work closely with our clients’ decision makers, employees and stakeholders at every stage of the project – from conceptual design, creatively tailoring ideas to innovative strategies based on robust quantitative analyses for effective and thorough implementation.


We tap into our long-standing in-depth expertise in the fields of financial services strategy, sales, organisation, corporate management, human capital, regulation and IT.
We have the full spectrum of opportunities and challenges in today's financial services industry firmly in our sight. From this, we create forward looking, sustainable value for and with our clients. zeb: that's 360° management consultancy – every day, every challenge, every opportunity, every client.