Professional Experience

2013 – today

Ulrike Linde Strategies for a Digital Society:



  • Definition of the business strategy for the establishment of an identification and authentication platform in the Philippines
  • Use of AML identification and strong authentication procedures of the banking industry for the initiation of qualified electronic signatures according to the eIDAS-regulation.
  • Development of a market model for an identity provider (IDP): Description of the ecosystem; definition of the value proposition including prototype; determination of the market potential on a transactional basis and calculation of the business model.
  • Market research for the definition of a travel management service focussing on the document management for travel expenses: Definition of the ecosystem including process analysis; determination of the number of transactions; first outline of the business model.
  • 360-degree analysis for innovative payments: Interviews with relevant market players; issues and needs of different stakeholders in the ecosystem; identification of market opportunities.
  • Ideation of value-added services for electronic invoices: Definition of the product idea and analysis of potential target groups.
  • Digital communication strategy for the Restoring Family Links service (“Suchdienst”) of the German Red Cross: Requirements analysis; identification and evaluation of possible measures.
  • Strategy workshop for the positioning of a security provider in the payments market: Market overview; regulatory requirements; security requirements; (card) payments standards of the German banking industry.
  • Validation of a product concept for the usage of the eID-function of the German identity card in Online Banking: Definition of a new procedure for transaction-binding authentication.
  • Analysis of the market potential for identification services according to the anti-money-laundering requirements of the Federal Financial Supervisory Authority in Germany.
  • Management presentation for the usage of data modelling techniques in the financial industry.
  • Market analysis for the possible positioning of tax consultants in the domain of corporate finance.
2014  2017

Sternwald Berlin:



  • Creation of a process model for the development of innovative digital products for a media group: Design thinking and agile project management.
  • Definition of a product concept and a marketing strategy for a secure mobile platform for identification and authentication services.
  • Compliance to EBA requirements (i.e., for the security of internet payments).
2008 2012

Association of German Banks in Berlin:
Division manager in the Retail Banking department, Payment Systems and Information Technology

  • Digital agenda of the European Commission.
  • Service design for new services in electronic commerce:
    e-invoicing; internet payments; mobile payments; account statements.
  • Use of the German ID card in banking applications (eID and QES).
2004 – 2007

Association of German Banks in Berlin:
Division manager in the Retail Banking department, Payment Systems and Information Technology

  • Development of electronic banking standards (EBICS, FinTS) at national and European level.
  • Development of business scenarios for the banking signature card in the signature alliance of the German Federal Government.
  • Security concepts for trust centres (esp. registration and identification processes; certificate issuance).



1999 – 2004

Association of German Banks in Berlin:
Division Manager in the Retail Banking department, Payment Systems and Information Technology


  • Management of the Competence Centre security strategy and standards: especially Y2K preparations; critical infrastructures; security of payments.
  • Development of the banking signature card for the German Banking Industry Committee.


1996 – 1999

Association of German Banks in Berlin:
Consultant in the Retail Banking department, Payment Systems and Information Technology


  • Smart card security.


1992 1996

debis Systemhaus Dienstleistungen GmbH, Financial services department, Düsseldorf:


  • Guideline development for the introduction of the euro in cooperation with the Association of German Banks.
  • Development of a guiding principle for “Electronic Banking als Bestandteil des Finanzmanagements” for a power supply company.
  • Creation of a brochure for reference-model insurances at debis Systemshaus GmbH.
  • Study about the section of standard software for accounting, fixed asset accounting and treasury departments and reporting of a leasing company.