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Between 1995 and 1999 he was a researcher in theoretical physics at the Technical University of Munich. He completed his studies in theoretical physics as PH.D. and holds a degree in economics. Prior to joining Munich Re in 2000, Bernhard Kaufmann worked in the Credit Risk Management division of HypoVereinsbank. From 2004 to 2007 he was Head of the Asset Liability Management of Munich Re and afterwards Head of the Treasury Department for the Reinsurance Segment. In 2008, Bernhard Kaufmann was appointed Chief Risk Officer (CRO) and Head of Integrated Risk Management for ERGO Versicherungsgruppe. He was appointed Chief Risk Officer of Munich Re (Group) with effect from 1. January 2014.