MaRisk Risk Management Framework

Achieve smooth integration of MaRisk and BAIT requirements with our comprehensive framework. We support you in implementing a unified risk management and IT governance system that meets both regulatory frameworks efficiently and effectively.

Successful MaRisk implementation requires a systematic approach from initial gap analysis through documentation and ICS establishment to risk management tool integration. ADVISORI supports financial institutions with proven project methods, practice-tested templates, and experienced implementation experts for BaFin-compliant MaRisk implementation.

MaRisk requirements for internal audit (AT 4.4.3) define an independent, risk-based audit function as the third line of defence for all German credit institutions. AT 4.4.3 governs duties, independence, risk-oriented audit approach, reporting, and follow-up processes. ADVISORI supports banks in establishing, developing, and designing their internal audit function to meet BaFin requirements.

Banks require a fully functional internal control system (ICS) that comprehensively fulfills MaRisk AT 4.3 requirements and reliably manages operational risks. An effective ICS under MaRisk connects risk-based control design, clear accountabilities and continuous monitoring into an integrated framework. ADVISORI develops and implements ICS structures that not only ensure regulatory compliance but also optimize business processes and create lasting audit readiness for your institution.

Liquidity risks are among the most critical risk categories for banks — MaRisk BTR 3 defines extensive requirements for identification, management and monitoring of these risks. A functional liquidity risk management system connects daily monitoring processes, robust stress testing methodologies and regulatory LCR/NSFR compliance into an integrated framework. ADVISORI develops MaRisk-compliant liquidity frameworks that combine operational excellence with lasting audit readiness.

Market risks — interest rate, spread, currency and equity risks — require a structured management framework that meets MaRisk BTR 2 requirements while ensuring trading performance. Effective market risk management connects robust risk measurement (VaR, sensitivities), consistent limit monitoring and regulatory stress testing into an integrated governance framework. ADVISORI develops MaRisk-compliant market risk frameworks that combine operational excellence with lasting BaFin audit readiness.

MaRisk compliance is not a project — it is a permanent operational state. Financial institutions must not only initially fulfill regulatory requirements but maintain them continuously through systematic monitoring, proactive change management and sustainable compliance processes. ADVISORI establishes MaRisk compliance systems that anticipate regulatory changes early, proactively close compliance gaps and keep your organization permanently audit-ready.

Operational risks represent one of the most complex challenges in modern banking. MaRisk BTR 4 defines clear requirements for OR management: from risk identification through RCSA and loss data collection to scenario analysis. We help you build a robust MaRisk-compliant OR framework that combines regulatory compliance with operational resilience.

Modern banks need more than isolated outsourcing approaches – they need integrated outsourcing governance frameworks that connect MaRisk requirements with strategic partnership management and operational excellence. Successful outsourcing excellence requires comprehensive approaches that smoothly combine risk assessment, contract design, technology integration, and continuous monitoring. We develop comprehensive MaRisk Outsourcing Requirements systems that not only ensure regulatory compliance but also create strategic competitive advantages, enable business innovation, and establish sustainable outsourcing excellence for banking institutions.

Are you ready for your next MaRisk audit? MaRisk Readiness describes the systematic process by which banks and financial institutions assess their current compliance status against BaFin minimum requirements — and initiate targeted remediation measures. We support you from the initial readiness assessment through to audit-proof implementation.

MaRisk AT 4.1 requires credit institutions to maintain risk bearing capacity at all times and operate a robust ICAAP. We support you in developing normative and economic ICAAP frameworks, capital planning, stress testing, and ongoing RTF monitoring — aligned with BaFin expectations and audit-ready.

MaRisk AT 4.4.1 requires a dedicated risk control function that operates independently from business units. This function monitors all material risks, produces risk reports, and supports management in bank-wide steering. We help you build, enhance, and document your risk controlling unit to withstand BaFin scrutiny.

MaRisk AT 4.2 requires credit institutions to develop a written risk strategy consistent with the business strategy and covering all material risk categories. The risk strategy defines risk appetite, limits, and strategic steering parameters. We develop an audit-ready risk strategy for your institution — including a risk appetite framework, linkage with capital planning, and ICAAP integration.