Franz M. Bergm¨¹ller is the CEO of SEBA Bank. Prior to joining SEBA, Franz served as CCO at Adcubum. Before that, he was responsible for the P&C business and the development of the direct insurer Adam Riese on the executive board of W¨¹rttembergische Versicherung AG. He had previously held executive board positions within the VKB group and played a leading role in establishing the direct insurer BavariaDirekt. He gained IT and consulting experience as an international partner at Accenture. He holds a Master's degree in economics from the University of Augsbur