From
Baker
TO
Banker
From my family’s bakery in Germany to a career in
international banking, teaching, and writing.
THE JOURNEY
Five chapters of a life shaped by work, opportunity, and experience.
The bakery
Where I learned discipline, responsibility, and hard work.
The Tennis Court
Where I gained confidence and discovered new opportunities.
The Trading Floor
Where my banking career began.
THE FAMILY
The thread woven through every chapter
The Legacy
Teaching, writing, mentoring, and giving back.
AUDIOBOOK PREVIEW
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FROM BAKER TO BANKER
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“FROM BAKER TO BANKER”
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About the author
HEINZ RIEHL
PHILOSOPHICAL ARCHITECT OF RISK MANAGEMENT in CITIBANK
I was born in Mülheim-Ruhr, Germany, where my earliest lessons in discipline and responsibility came from working in my family’s bakery. Tennis later introduced me to new people and opportunities. I then learned the nuts and bolts of the banking business during a two-year apprenticeship, which led me into foreign exchange and international finance.
3
Groundbreaking Innovations
5+
Books & Textbooks Authored
35+
Years at Citibank
40+ years of marriage
3 children, 5 grandchildren,
1 great grandchild
Professor
NYU, Harvard, INSEAD,
and Other Institutions
My Contributions to Banking
Some of the work I was fortunate to contribute during my years in international banking.
Treasury
Concept
I brought funding, trading, and risk together within one treasury structure.
Proprietary Trading
I introduced proprietary trading at Citibank Germany and helped expand it internationally.
VALUE AT RISK
I helped develop a clearer way to measure and manage financial risk.
GLOBAL IMPACT
I taught treasury and risk-management concepts around the world.
A Life of Milestones
