In 1991, Heiko started a practical training with a large global bank in Hamburg, Germany. After successfully finishing the training and spending some time in the industry, he volunteered for military service in the German Navy, joining two missions in the Mediterranean Sea in 1995. In 2000 he received a law degree in banking and insurance law and signed up with UBS in Frank-furt, Germany. As chief of staff for products & services, he was responsible for implementing portfolio management and client reporting systems. In 2004 he became the head of the quality assurance department and he redesign...