Dr. Ruth Wandhöfer

Dr Ruth Wandhöfer

Visiting Professor

After a distinguished career of over a decade with Citi, Ruth is now an independent non-executive director on the boards of Permanent TSB and Digital Identity Net as well as a Partner at Gauss Ventures – a VC firm focused on early stage FinTech investment. 

Ruth is also a Strategic Adviser of the European Third Party Provider Association (ETPPA) as well as Adviser of RTGS.global. Until recently she served as independent non-executive director on the Boards of the London Stock Exchange Group and Pendo Systems Inc and as Senior Adviser to KPMG. She also occasionally lectures at Queen Mary School of Law, London, and is a Visiting Professor at The London Institute of Banking & Finance. 


Commercial banking, investment banking, banking regulation, corporate governance, fintech, regtech, blockchain, distributed ledger technology (DLT), venture capital


Bank of England Prudential Regulation Authority and Financial Services Authority, Senior Adviser: 2009–14
Citigroup/Citibank, Managing Director and Global Head Regulatory and Market Strategy, Treasury and Trade Solutions 2007–18
European Banking Federation. Senior Adviser: 2003–07
European Commission, Stagiaire: 2003
Commerzbank Real Estate Fund Hausinvest, Adviser Finance, Tax, Controlling: 2001–03


PhD, Finance, Cass Business School, City University of London: 2018
LLM, University of Kent: 2005–08
MA, International Politics, Centre Européen de Recherche Internationale Stratégique (CERIS) and Université Jean Monnet in Paris: 2003–04
MA, Financial Economics, University of Dundee, UK: 1997–2001
BA, Economics, Université Pierre-Mendès-France, Grenoble, France: 1999–2000


Chair of the European Banking Federation’s Payments Regulatory Expert Group (PREG): 2007–18
Chair of the EPC’s Payment Security Working Group: 2008 – present
Chair of the BAFT Global Public Policy and Advocacy Committee, Member of the BAFT European Council and member of the Global Innovation Regulatory WG: 2012–18 Member of the EU Commission’s Payment Systems Market Expert Group (PSMEG): 2004–18
Euro Banking Association (EBA) and EBA Clearing Shareholder Representative for Citi: 2014–18
EBA Association Board Member: 2014–18
Member of the Advisory Board of the European Association for Biometrics: ongoing
Member Bank of England RTGS Renewal Stakeholder Board: 2017–18
Founding Member of the Global Blockchain Business Council: ongoing


German (mother tongue), English (fluent), French (fluent), Italian (fluent), Spanish (intermediate)


EU payments integration – the tale of SEPA, PSD and other milestones along the road, with a foreword from ECB Executive Board Member Gertrude Tumpell-Gugerell: 2010
Transaction banking and the impact of regulatory change: Basel III and other challenges for the global economy, with a foreword from ECB Vice President Vítor Constâncio: 2014
New Models of Financial and Financial Reporting for European SMEs: 2019
‘The Payment Services Directive – a critical review’ in The Future of Finance after SEPA, Chapter 11: 2008
‘European payments: a path towards the single market for payments’ in The book of payments: historical and contemporary views on the cashless society: 2016
Co-author of the LIBF Certificate in Principles of Payments (CertPay): 2017

Also published in:

Journal of Payment Strategy and Systems
Treasury Today
Treasury Management
The Banker
The Financial Times
Global Finance
Efinancial news
Risk Magazine

Awards and recognition

Award of Achievement for Women in Banking and Finance, Women in Banking & Finance: 2015 
Named as a ‘Rising Star’ by Financial News: 2010 
Named in Management Today’s '35 Women under 35' list of women to watch in the Sunday Times: 2011
Named by Treasury & Risk Magazine as one of the 100 Most Influential People in Finance: 2012
Named by Innovate Finance on the Women in FinTech Powerlist: 2016 and 2017
Named as one of the Top Ten Global Fintech Influencers by the Fintech Power 50 

Visit Dr Ruth Wandhöfer's LinkedIn profile