Werner Rosenberger is Managing Director and Head of Methodology at Credit Risk Control of UBS Wealth Management & Business Banking, Zurich. He was born 1953 in Zurich, Switzerland, where he acquired a diploma in Physics at the Federal Institut of Technology (ETH ZA1/4rich). He concluded his studies with a degree in Business Administration of the University of St. Gall, Switzerland. Several years later he completed a doctorate at the University of Zurich. After his studies he worked first as a marketing manager at Philips (Schweiz) AG, Zurich, for IT-products. After a back packer trip a...