Tobias studied theoretical physics and received his PhD from Brandeis University in Waltham, MA (USA). He later rounded off this academic background with an MSc in Financial Mathematics from the University of Oxford. Over the course of a decade in management consulting, he has specialized in regulatory law, risk management and quantitative bank management. Tobias has a wealth of experience in managing complex projects and attaches great importance to combining in-depth expertise and detailed analysis with an unbiased view of the big picture.