Harm Semder

Harm Semder is an experienced finance professional currently serving as the Director of European Financial Services - Financial Institutions at Standard & Poor's since April 2000, where responsibilities include leading the risk assessment for the German banking industry. Prior to this role, Harm Semder was the Teamleader with Proxy at GBB-Rating for six years, focusing on the rating of private banks in Germany. Harm Semder began a career in the financial sector at Deutsche Bank, progressing from an Apprenticeship Banker to an Associate Branch Manager over a span of five years. Academic credentials include a Diplom Betriebswirt (FH) in Economics from the University of Applied Science, obtained between 1989 and 1993.