• H&Z
    H&Z Management Consulting - Consulting with head, heart and hand

    Driving Excellence in Financial Services

    The financial sector is undergoing profound change, facing increasing regulatory demands, cost pressures, digital transformation, and new competitive dynamics. At H&Z, we partner with banks, insurance companies, and financial service providers to navigate these challenges, ensuring sustainable success through strategic consulting and hands-on implementation.

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    Excellence for Financial Institutions

    We combine deep industry expertise with practical execution to deliver tangible value for our clients. Our team of senior experts works closely with COOs, CIOs, and operational leaders to drive strategy and digital transformation, reduce cost and optimize operating models, structures and processes.

     

    Additionally, we focus on value creation, leveraging our expertise in strategy, performance improvement, IT transformation, procurement, and sustainability to help financial institutions achieve their strategic goals efficiently.

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    Efficiency Optimisation & Cost Reduction

    Achieving sustainable profitability through optimised processes and smart cost reductions. Financial institutions must optimise their cost structures without compromising efficiency or competitiveness. We help identify strategic savings potential and maximise operational performance.

    • Procurement Optimisation & Cost Efficiency
      • Strategic procurement management
      • Cost reduction initiatives
      • Contract optimisation
      • Third-party provider management
      • Digital procurement transformation & AI in procurement

     

    • Performance Improvement & Value Creation
      • Performance benchmarking & target setting
      • Operational cost reduction
      • Agile transformation & operating model for financial institutions
      • Efficiency levers through digitalisation & automation

     

    • Business Process Outsourcing (BPO) & Efficiency Enhancement
      • Shared services optimisation
      • Cost-efficient outsourcing strategies

      • Strategic vendor management & governance

         

    • Restructuring & Organisational Realignment
      • Reorganisation & transformation initiatives
      • Business & operating model restructuring
      • Turnaround strategies
      • Cost benchmarking & restructuring programmes
         
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    Digital Transformation & AI-Driven Innovation

    Leveraging IT and AI strategies as growth accelerators for the financial sector. Digital technologies and artificial intelligence are rapidly transforming the financial industry. We help organisations align IT spending with strategic goals and unlock AI’s potential for efficiency and innovation.

    •  Value-Oriented IT & Digital Transformation
      • Digitalisation & IT strategy
      • IT benchmarking & cost controlling
      • Agile delivery organisation & IT target operating model
      • IT & architecture transformation
      • AI/GenAI strategy, potential analysis & enablement

      • Cloud strategy & outsourcing

         

    • AI-Potential Analysis & Operating Model
      • AI & data-driven strategies
      • AI use cases database & identification of AI use cases
      • Design of AI-driven business models
      • AI impact analysis

      • AI operating model & platform

         

    • Digital Banking Operations & Operational Excellence
      • End-to-end process analysis, optimisation & design
      • Process modelling, documented governance framework & internal control system
      • Benchmarking & efficiency improvement targets
      • Efficiency levers & tool selection for automation
      • Process management & governance 
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    Future Proofing Trough Governance, Risk & Compliance

    Proactively adapting to market changes and ensuring regulatory compliance. Regulatory developments, sustainability requirements, and economic challenges demand continuous adaptation of business models. We support financial institutions in achieving sustainable and compliant transformation.
     

    • Regulatory Strategy & Compliance
      • Regulatory compliance transformation
      • Risk management & reporting strategies
      • Regulatory programme implementation

     

    • Sustainability
      • Compliance & Reporting: Mitigating regulatory risks and ensuring legal adherence
      • Foundation: Embedding sustainability at the core of the organisation
      • Acceleration: Leveraging sustainability as a key differentiator
      • Transformation: Integrating sustainability into corporate culture & business operations

     

    Management Consulting for Financial Services

    We provide top-tier consulting services for executives seeking to drive transformation:

     

    • Strategic COO & CIO advisory
    • Target setting & transformation planning
    • IT & digital transformation strategy
    • Digital Operations & E2E-Excellence
    • Regulatory Transformation

    Why H&Z? Our Unique Value Proposition 

    1. The Perfect Blend of Strategy and Execution 

      We combine top-tier strategic consulting with hands-on implementation, ensuring measurable value for financial institutions. 

       

    2. Trusted Partner for COOs & CIOs 

      We are an established partner in executing the strategic agenda of banks, insurers, and financial service providers, focusing on core challenges with small, highly senior teams. This enables us to work efficiently, address issues precisely, and develop tailored solutions that create lasting impact. 

       

    3. Expert-Led Consulting with Sustainable Impact 

      We act as sparring partners, addressing critical issues transparently while delivering real, lasting change. 

    Insights & Thought Leadership 

    Stay ahead of industry trends with our latest research, insights, and best practices.

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    Contact Our Experts

    Are you ready to take your financial institution to the next level? Let’s discuss how we can help you optimize processes, cut costs, and drive digital transformation.

    Oliver Wehrkamp

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    Oliver Wehrkamp

    Sven C. Schumacher

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    Sven C. Schumacher