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      <image:title>Jennifer - Jennifer Langer / Team Assistant</image:title>
      <image:caption>Jenny is a highly experienced Management Assistant &amp; Office Manager, having previously worked at Egon Zehnder, Linklaters, and Baker &amp; McKenzie. A level-headed problem solver, she is the heart and soul of the CommerzVentures team and ensures the smooth running of our daily operations.</image:caption>
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      <image:title>Heiko - Heiko Schwender / Managing Partner</image:title>
      <image:caption>Heiko is a Partner at CommerzVentures with a mission to back ambitious founders leveraging technology and empathy to rebuild the financial services industry. He works with portfolio companies including Concirrus, Elwood, eToro, Mosaic Smart Data, OpenLegacy, and WeGift. An investment banker by trade with a passion for technology innovation, Heiko provided corporate finance advice to tech companies and banks for years. He continued his career at Commerzbank's group strategy department, where he co-headed the overarching digitisation and innovation topics for the bank, before kicking off CommerzVentures in October 2014. Heiko was a mentor with Startup Bootcamp Fintech and FinTech Innovation Lab in London for several years. He earned his MBA degree from the University of Chicago Booth Business School where he focused on strategy and entrepreneurship. When not at work, he tries to keep fit with outdoor activities and enjoys spending time with his family.</image:caption>
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      <image:title>Patrick - Patrick Meisberger / Managing Partner</image:title>
      <image:caption>Patrick co-founded CommerzVentures in 2014. He is engaged with portfolio companies including iwoca, Getsafe, PayKey, Bankin’, realbest, OpenLegacy, Bought By Many, and omni:us. Prior to CommerzVentures he led Deutsche Telekom’s VC unit T-Venture, helped Allianz build their former corporate VC unit Allianz Venture Partners, and worked for Deutsche Bank and PwC in M&amp;A and Technology.  Patrick is looking to invest into companies with a clear articulated unique selling proposition, led by founders with entrepreneurial passion and strong execution skills. He studied Business Administration at the University of Cologne, rounded by a US MBA. Besides work, he is a passionate traveller and loves football.</image:caption>
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      <image:title>Paul - Paul Morgenthaler / Managing Partner</image:title>
      <image:caption>Paul joined CommerzVentures in January 2015. He works with portfolio companies including Afilio, Cledara, ClimateView, Climate X, Doconomy, Mambu, ManyPets, and omni:us. Paul is looking to partner with founders who through their foresight, energy and passion, draw exceptional talent and emerge as the new leaders in their industry. In his former life, Paul provided online financial advisory to millions of consumers every month, as Chief Scientific Officer at Finanztip. He co-founded and successfully exited a credit rating startup (PSR Rating), and advised banks and insurers with Boston Consulting Group (BCG). Paul is a mentor with Startup Bootcamp Fintech and Techstars. He graduated with an MBA degree from Harvard, where he received the Satchu Burgstone Prize for Entrepreneurship.</image:caption>
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    <lastmod>2025-03-18</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/1600762888423-J2YF2UONRETS5G3RIL3Y/DSC_0797_SW.jpg</image:loc>
      <image:title>Stefan - Stefan Tirtey / Managing Partner</image:title>
      <image:caption>Stefan co-founded CommerzVentures in 2014. He led CommerzVentures’ investments in Marqeta (IPO), eToro, Mambu, Payworks (acq. by VISA), Onafriq, Curv (acq. by PayPal), and Volt. Stefan is an engineer by training. Outside of work he is interested in history and enjoys endurance sports, especially cycling and mountaineering.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://commerzventures.com/imprint</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-09-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/d2f21cd4-a4d9-4b32-a125-8cfec69c6445/erecht24-schwarz-impressum-klein.png</image:loc>
      <image:title>Imprint - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://commerzventures.com/climatefintech</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-02-19</lastmod>
  </url>
  <url>
    <loc>https://commerzventures.com/portfolio</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-11-01</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/021310bf-7013-48dd-9a71-9808c8859fe8/Screenshot+2021-08-16+at+17.00.32.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A Lead / 2021</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/359af0e6-779a-4e6b-a926-aaccc499048e/Alviere.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A / 2021</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/16f64ae1-909f-449c-a5b6-c3a05e0bd752/Screenshot+2022-07-07+at+14.23.10.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A / 2016</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/1613065709243-8TTBMDF1TQ9AYDFETMEB/Screenshot%2B2021-02-11%2Bat%2B18.47.08.jpg</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series B Lead / 2020</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/75004511-e983-42cf-aa11-5af6daabbe2d/Bildschirmfoto+2024-12-03+um+14.46.16.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A Lead / 2024</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/0250de5c-a6d3-4f53-93b3-abf99cef773f/Screenshot+2022-09-13+at+07.53.49.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A Lead / 2022</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/4f371679-9303-4ee8-950b-406cdcb9ba38/Screenshot+2021-10-02+at+14.23.35.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A Co-lead / 2021</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/9cd68288-ed04-4737-8f8a-52360485b95e/climatex.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Seed Co-lead / 2022</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/c5f8f25a-62db-41cf-9575-dbfc064a3235/Bildschirmfoto+2025-02-27+um+14.24.47.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A / 2020</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/ecfc0123-6278-4e0e-ae70-86b62c898ee5/Bildschirmfoto+2025-11-24+um+10.38.48.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A / 2025</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/5ae5e1cb-1eee-41a3-8ea9-65a390d30d06/Screenshot+2021-09-23+at+11.44.31.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A Lead / 2021</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/c7797a9a-45cb-46a7-8d99-12137d1f3806/Bildschirmfoto+2025-06-02+um+12.16.13.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series D / 2015</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/b8e4ed99-d0fd-42f3-8bdc-bf63628d306c/Elwood+Logo.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A+ / 2022</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/b7e55384-c454-4230-ab87-fcff4f29f298/Bildschirmfoto+2024-09-11+um+10.50.37.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series B / 2024</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/6ebf4850-e20c-439a-b444-b4a12c6a4a56/Bildschirmfoto+2025-02-27+um+14.20.15.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series B / 2023</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/1613066513075-0F2ODZQA7J18WMBS4TI6/Screenshot%2B2021-02-11%2Bat%2B19.00.51.jpg</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A Lead / 2015</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/56e94ff7-eb33-414a-80ab-62922c77c506/Bildschirmfoto+2025-02-27+um+14.22.09.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A2 Lead / 2020</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/ca47488f-1205-4405-83bf-51bef86f910f/Bildschirmfoto+2025-02-27+um+14.26.35.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A Lead / 2022</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/1613067048665-C7QYTM1310A3WADACT0Q/Screenshot%2B2021-02-11%2Bat%2B19.08.56.jpg</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series B / 2015</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/259112d2-f388-442b-9f85-15d6a93a0863/Screenshot+2025-10-09+at+21.40.07.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Pre-Series A Lead / 2024</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/1613067104687-1ADSD3J4NGC2IBU4GTQQ/Screenshot%2B2021-02-11%2Bat%2B19.09.19.jpg</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series B Co-lead / 2016</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/360fbe8c-f727-4728-ae8b-34641e44849d/Screenshot+2022-03-30+at+15.09.40.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series B Lead / 2018</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/e63c964b-5064-472f-8ed7-852b79461852/Screenshot+2021-06-11+at+15.36.28.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series C / 2015</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/0b8b7feb-8bd6-4cac-a5d2-a047c7b4dbad/White+Simple+Stone+Texture+Background+Zoom+Virtual+Background+%281%29.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series C / 2021</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/1667414038045-T0ME093I5PHA4KJGVQ9Q/MF.jpg</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series B / 2022</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/bab3b9d6-c3ff-47e1-8a82-1d4475354235/Bildschirmfoto+2025-02-26+um+09.02.49.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series B Lead / 2019</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/1613065030020-N7MLGPY9CKCHYDRH4HNI/omnius.jpg</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A2 Lead / 2020</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/1613067505676-JYYNFRQU9IEH1EMCQV9D/Bildschirmfoto%252B2021-02-04%252Bum%252B11.25.44.jpg</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series B / 2018</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/cdf55f5e-98d9-4729-b84a-bdcc760d56f0/Bildschirmfoto+2024-04-22+um+15.11.19.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A / 2016</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/1613068155799-QMG4RGX1ZV759671NTCZ/Screenshot+2021-02-11+at+19.24.09.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series B Lead / 2018</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/1613068169370-VIJ2YGTG902ABRHJF5KF/Screenshot+2021-02-11+at+19.28.55.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series C / 2017</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/2e68b040-99bb-4ab6-8344-ef4ce96305ef/Screenshot+2023-04-03+at+09.12.20.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A+ / 2021</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/55b74b5e-4729-4f6c-a8ed-ee02df3b4e85/Bildschirmfoto+2025-02-27+um+14.18.22.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series B Co-Lead / 2023</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/1760039211106-UWKUT4659LR3SZF08KVF/Screenshot%2B2025-10-09%2Bat%2B21.44.52.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A Lead / 2025</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/c4070695-e526-4676-93a6-a6e1c5c3c1d2/tuum+logo+website.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series B Lead / 2024</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/d1f716d8-4883-4d3e-a6ac-dc5497582651/Bildschirmfoto+2025-02-27+um+14.15.39.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Series A Lead / 2025</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/d5a8e6f3-f759-4085-b305-731beecce334/Bildschirmfoto+2025-02-27+um+14.16.49.png</image:loc>
      <image:title>Portfolio</image:title>
      <image:caption>Volt Series B / 2022</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://commerzventures.com/esg</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-11-02</lastmod>
  </url>
  <url>
    <loc>https://commerzventures.com/privacypolicy</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-24</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/b3b48c1b-5c49-47a8-aef4-c1460cd73d94/erecht24-schwarz-datenschutz-klein.png</image:loc>
      <image:title>Privacy Policy new - Make it stand out</image:title>
      <image:caption>Whatever it is, the way you tell your story online can make all the difference.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://commerzventures.com/christoph</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-11-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/e9780fe9-4d08-4151-b430-04bb5084771c/HEC_3104+sw.jpg</image:loc>
      <image:title>Christoph - Christoph Hartmann / Accounting Director</image:title>
      <image:caption>Christoph joined CommerzVentures in September 2022. He overlooks all topics relating to financial statements, taxes and investments. Prior to CommerzVentures he was controller at Telekom Deutschland where he was responsible for the establishment and investment management of joint ventures in fiber optic expansion. Before that he was Head of Finance of Deutsche Telekom’s VC unit Deutsche Telekom Venture Fund (former T-Venture) and worked for PwC in the audit department. He studied Business Administration at the University of Frankfurt. Besides work, he does CrossFit and is an ardent supporter of soccer club VfB Stuttgart.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://commerzventures.com/judith</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2026-01-12</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/0a92b7ac-4ed5-4899-b5cd-0f554c144596/HEC_3145_1+sw.jpg</image:loc>
      <image:title>Judith - Judith Vogel / Principal</image:title>
      <image:caption>Judith joined CommerzVentures in 2022. After some time in early-stage and generalist investing, she’s now focusing on all things FinTech. Previously, she invested into a variety of sectors, ranging from Direct-to-Consumer, to Impact and Health, with Impact FinTech remaining as a sweet spot. Outside of work, Judith can be found exploring contemporary art galleries and is always up to test the latest tech-trends herself, e.g. the occasional new social media app. She holds a B.Sc. from Frankfurt School of Finance &amp; Management as well as a M.Sc. from National University of Singapore.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://commerzventures.com/christian</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2022-11-28</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/6d599493-e250-49c6-a596-53d339945b12/christian.jpg</image:loc>
      <image:title>Christian - Christian Deger / Venture Partner</image:title>
      <image:caption>Christian is an entrepreneur with deep experience and knowledge in the Payments and FinTech spaces. In addition to his role at CommerzVentures, he is an investor &amp; advisor to startups and corporate clients. After co-founding Payreto in 2011, a managed services company for payment providers, Christian founded Payworks, a payment gateway technology provider, in 2012. At Payworks he acted as the CEO until the company's acquisition by Visa Inc. in 2019. During his time at Payworks Christian sold to leading payment providers and acquirers in the US, Europe and Africa and advised their executive teams on the implementation and execution of their integrated Point of Sale and digitalisation strategies. As part of the Payworks acquisition by Visa, Christian joined the leadership team of Cybersource and acted as the company's VP Head of Europe until the end of 2021. In this role, he oversaw the entire European business of Cybersource, serving leading retailers, airlines and other blue-chip merchants as well as payment providers and acquirers with Visa's payment processing and fraud solutions.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://commerzventures.com/contact</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-09-05</lastmod>
  </url>
  <url>
    <loc>https://commerzventures.com/christopher</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2024-06-18</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/636def16-6f67-41d9-ab14-7dfd5831e014/IMG_8003.jpg</image:loc>
      <image:title>Christopher - Christopher Lohmann / Venture Partner</image:title>
      <image:caption>As founder and managing director of The Mulberry Ventures, Christopher supports companies and venture funds in the successful implementation of innovative business models and investment strategies. Together with his partners Christopher focuses on addressing the shortage of skilled workers through shoring partnerships and on the digitalization in the Insurance industry. The Mulberry‘s services range from advisory to opening doors and financing. In his work Christopher can build on the network and the expertise he built over 24 years as manager and board member in Insurance. During his time at the helm of Talanx, Gothaer and especially Allianz entities he gained expertise in Property &amp; Casualty Insurance, Sales and IT as well as in successfully managing large transformations. Having been a corporate citizen for a significant part of his life, Christopher today enjoys entrepreneurial freedom to support people seizing megatrends as an opportunity.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://commerzventures.com/christopher-1</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/636def16-6f67-41d9-ab14-7dfd5831e014/IMG_8003.jpg</image:loc>
      <image:title>Sunil - Christopher Lohmann / Venture Partner</image:title>
      <image:caption>As founder and managing director of The Mulberry Ventures, Christopher supports companies and venture funds in the successful implementation of innovative business models and investment strategies. Together with his partners Christopher focuses on addressing the shortage of skilled workers through shoring partnerships and on the digitalization in the Insurance industry. The Mulberry‘s services range from advisory to opening doors and financing. In his work Christopher can build on the network and the expertise he built over 24 years as manager and board member in Insurance. During his time at the helm of Talanx, Gothaer and especially Allianz entities he gained expertise in Property &amp; Casualty Insurance, Sales and IT as well as in successfully managing large transformations. Having been a corporate citizen for a significant part of his life, Christopher today enjoys entrepreneurial freedom to support people seizing megatrends as an opportunity.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://commerzventures.com/sunil</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-11-05</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/0eaf2f76-1c2b-4151-81e6-756eb1edcefe/PastedGraphic-1.jpg</image:loc>
      <image:title>Sunil - Sunil Kappagoda / Operating Partner</image:title>
      <image:caption>Sunil has been working with Commerz Ventures since early 2023. He is engaged with portfolio companies including Finbourne, Doconomy, Climate X and Onafriq. Since 2016, Sunil has been working with multiple Venture stage and Private Equity owned B2B Fintech companies as Chair, Director or Advisor, helping them scale their businesses. 7 of these companies have now exited. Previously he was President of Verifone Technology’s Asia Pacific Business, Senior Partner at The Boston Consulting (where he was part of the Global Banking and Financial Services Leadership Team &amp; the North American Leadership Team), Partner at Oliver Wyman, and Principal at Booz Allen. He has also worked at The World Bank and Citibank Sunil holds an MBA from The Wharton School, University of Pennsylvania (where he also completed all the coursework for a PhD in Finance, a Masters in Economics from The London School of Economics, a Postgraduate Diploma in Economics from Birkbeck College, and a BSc Engineering from Imperial College, London.   He has lived and worked in London, New York, Miami, Singapore, Silicon Valley and Chicago. He has worked with Financial Services and Fintech business across 6 countries in Europe, 12 in Asia Pacific in addition to the US and Canada. He enjoys traveling (50 countries), tennis (until he ruptured his achilles tendon playing an event), golf (as the 9th and then youngest person to play the top 100 golf courses in the world), and football.</image:caption>
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  </url>
  <url>
    <loc>https://commerzventures.com/linh</loc>
    <changefreq>daily</changefreq>
    <priority>0.75</priority>
    <lastmod>2025-10-09</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/803eb490-e792-426b-8ead-e7a8a5bd634f/%21stu_2025-09-26+104818_SW.jpg</image:loc>
      <image:title>Linh - Linh Richter / Head of Compliance</image:title>
      <image:caption>Linh joined CommerzVentures in July 2024 and manages all our compliance and regulatory matters. She brings over a decade of experience in compliance risk management and audit, having previously worked at UBS and Commerzbank. Born in Ho Chi Minh City and raised in Berlin, she has also lived and worked in New York, Singapore and Frankfurt. Linh holds a Bachelor’s and a Master’s degree in Business Law from the University of Applied Sciences. In her free time, she enjoys traveling with her family and exploring new culinary experiences.</image:caption>
    </image:image>
  </url>
  <url>
    <loc>https://commerzventures.com/ricky</loc>
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    <lastmod>2025-10-09</lastmod>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5f686a38d1746b5c050de238/eee05641-aac8-4b51-96a0-ab16a4253b21/Ricky2.jpg</image:loc>
      <image:title>Ricky - Ricky Knox / Operating Partner</image:title>
      <image:caption>Ricky Knox is a serial entrepreneur and investor. He is Founder and Chairman of Prosper and Carbontricity, and the Founder of Tandem Bank (CEO from inception to July 2021), an app-based bank that aims to revolutionize banking to save people and planet. Ricky has helped create a series of technology disruptors in Fintech/telecoms. He co-founded GSM Systems (global mobile telephony network services provider) in 2003 and is a Founder of Small World Financial Services Group, a global money transfer business with over £5bn of transfers - one of the world’s largest international money transfer operators. In 2012, he co-founded Azimo, a social digital payments platform that enables simple, fast and secure remittances to 198 countries around the world (remaining as Non-Executive Director until 2018). Ricky has been investing in Fintech businesses since 2003, and has backed other notable Fintech businesses such as Curve, Comply Advantage, Vitesse, Liberis and Modulr.</image:caption>
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  </url>
</urlset>

