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Talent that keeps the world running

Innovation waits for no one. And today’s most innovative businesses need solutions that will keep them running anytime, anywhere. That’s why at Deutsche Bank, we’re designing and building the digital bank of the future. From opening Digital Factories across the globe to developing the latest in artificial intelligence, blockchain and automatic speech, to launching a robo-advisor for our investors, we’re pioneering the next generation of systems that will make us a stronger, safer bank. If you’re looking for the opportunity to revolutionize an industry and drive global business forward, you’ll find it with us. Tech powers global business. Will you help us power tech?

Innovative ideas, evolving language: The terms that power technology

When it comes to technology, our interns and graduates need to talk the talk. When navigating the fast-moving world of emerging tech, you might come across complex topics, unclear definitions or concepts that seem greater than the words that describe them. We’re here to help you set the record straight on what you’ll hear in this space as well as on this page. Have a look at the top terms all Deutsche Bank tech talent should know to help transform the future of banking. You may even learn some interesting things about Deutsche Bank as well.

  • Digital Disruptors

    Artificial Intelligence

    The theory and development of computer systems able to perform tasks that normally require human intelligence, such as visual perception, speech recognition, decision-making and translation between languages.

    *DWS has its own Robo technology, WISE, which is based on research and the combined knowledge of over 600 of our fund managers and analysts.

    Big Data

    Extremely large data sets that may be analyzed computationally to reveal patterns, trends and associations, especially relating to human behavior and interactions.

    *The Hive is our data lab in Dublin where data science, visualization, analytics and technology specialists use cutting-edge tools and techniques to support a range of initiatives across the bank.


    A type of digital currency in which encryption techniques are used to regulate the generation of units of currency and verify the transfer of funds, operating independently of a central bank.


    A digital ledger in which transactions made in bitcoin or another cryptocurrency are recorded chronologically and publicly.


    A network of remote servers hosted on the internet and used to store, manage and process data in place of local servers or personal computers.

    *Our new application hosting platform, ‘Fabric’, enables developers to get their apps up and running in minutes.


    Digital currencies that use cryptography to regulate the generation of units of currency and secure the transfer of funds, operating outside of a central bank.

    Internet of Things (IoT)

    The interconnection through the internet of computing devices embedded in everyday objects, enabling them to send and receive data.

    *Deutsche Bank was the first German bank to bring mobile banking via the Apple Watch.

  • Programming languages and acronyms

    C# (Pronounced ''C Sharp'')

    A general object-oriented programming language developed by Microsoft. Arrays in C++ are pointers, while in C#, they are objects that may include methods and properties.

    ETF (Exchange-Traded Fund)

    A type of fund traded on a stock exchange that holds assets like commodities, bonds and stocks and tracks an index. ETFs experience price fluctuations as they are bought and sold.

    Fintech (Financial Technology)

    Computer programs and other technology used to support or enable banking and financial services.

    *Deutsche Bank has four innovation labs across the globe where we partner with FinTech start-ups and other collaborative partners like MIT. Learn more about how we’re joining forces with technology start-ups here

    IFTTT (If This Then That)

    A service that allows you to create connections, or Recipes, based on the statement 'If This Then That'. A Recipe can be set up to automatically do something when something else happens.


    A general-purpose computer programming language designed to produce programs that will run on any computer system.

    KYC (Know Your Customer)

    The process through which banks identify and verify information about their customers to protect both the customers and the banks.

    *Deutsche Bank rolled out a KYC policy across our Corporate & Investment Banking and Global Markets business, creating improved transparency and clear accountability.


    A high-level general-purpose programming language.

    Regtech (Regulatory Technology)

    Computer programs and other technology used to support banks and businesses with regulatory rules and guidelines compliance.


    An open source, interpreted, object-oriented programming language created by Yukihiro Matsumoto.

  • Additional industry terms


    Fixed-term programs that provide mentorship, education and financial support for start-up businesses, resulting in a pitch event or a demo day.

    Actionable Analytics/Smart data

    Digital information developed for use at a collection point prior to traveling to a downstream platform for more analytics. Performing correlation and analytics on data sets creates smart data.


    A set of practices for software development based on iterative development, where requirements and solutions evolve through cross-functional team collaboration.

    *Our Digital Factory in Frankfurt is an agile working environment where software developers, IT specialists and financial experts from 12 nations work together to translate ideas into digital solutions and products for our clients. Learn more here


    Application Programming Interface: a set of program instructions, protocols and tools for building application software.


    Assets Under Management: the total market value of assets managed by an investment company on behalf of clients.


    Relating to a characteristic of the culture of computers, information technology and virtual reality.

    Open Banking

    The use of open APIs to allow third party software developers to build applications and software with a bank’s data.

    *Deutsche Bank’s own API, dbAPI, allows programmers to test their ideas for digital services and solutions through the bank’s proprietary development environment. Check out how over 70 participants from 22 countries used dbAPI during our first external Hackathon here

    Quantum Computing

    The disciple of developing computer technology based on the principles of quantum theory, which explains the nature and behavior of energy and matter on the atomic and subatomic level.


    A wireless protocol common in connected home products operating within a mesh network that helps them talk to each other in a standardized fashion.

Together, we’re building the digital bank of the future

The solutions we create and the systems we run touch every part of our business – no matter the time or place. Deutsche Bank is driven by technology and our tech is driven by our people. Meet some of our brilliant team members from across our global offices who are at the heart of it.

At a glance

Analyst Low Value & Instant Payment, Corporate Bank

Just two years ago, electrical engineer Iulia had never remotely considered a potential career in banking, and only applied for our women's conference out of sheer curiosity. The people and the approachability she encountered there fundamentally changed her perception of banking, and the development opportunities offered by the Technology division won her over completely and got her thinking: “Why not banking?” After completing her graduate programme in the Technology division, Iulia now works as an analyst in the Low Value & Instant Payment department of the corporate bank.

A culture that embraces diversity
Iulia likes the fact that the bank emphasises qualities such as openness, team spirit, a willingness to learn and each individual's entire personality – in addition to their professional performance. The digitalisation of the banking world is well under way. Processes, procedures, products and services are being scrutinised and realigned. Anyone who enjoys contributing new ideas and always learning something new can actively help to shape change at the bank. As Iulia puts it: “I can really make a difference here.”

Getting innovations off the ground
During her graduate programme, the first important thing for Iulia was to get to know the bank. How many divisions are there? Who does what? What applications and tools do the divisions use? Over the course of several rotations, our graduates experience various business areas and have the opportunity to discover which fields are best suited to their individual talents and interests. “During my rotation in the Corporate Bank, I had the chance to help with the final phase of a major project,” Iulia recalled. “I collaborated on a monitoring tool and was there for the go-live of the real-time payment engine that enables transfers to be made within just a few seconds. I’m still quite proud of that to this day.” She then found her current role in the Instant Payment team after completing the trainee programme. In an international work environment, Iulia’s job is to make processes and procedures even more efficient.

Finding your own path
A changing world always means a change in the way we work, and Iulia discovered that this is another topic that really interests her. She soon realised that agile working is becoming increasingly important within the bank for accelerating innovation processes. She took it upon herself to gain extensive knowledge in this area before training to become a coach within the bank. Today she is not just successful in her job but she also helps to embed agile thinking and working within the bank as an agile coach. For Iulia, contributing her own expertise, always learning something new and collaborating with colleagues in different divisions provides the perfect combination of work and enjoyment. “From the outset, having the support of my line managers and colleagues assured me that I don't always have to be perfect – it's all about give and take within the team. This gives me the freedom to keep exploring new avenues and bring my strengths to the role.”

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At a glance

Infrastructure Analyst, London

Freddie is making valuable connections all over the world.

Networking. Everyone will tell you it’s a crucial skill in the corporate world. But how do you do it effectively? Where do you start? Why is it so important? For Freddie, a Software Developer on our Technological Graduate Programme, getting to know people all over our global business has helped him to learn a lot about himself.

Hit the ground running
As a Computer Science graduate who enjoyed writing code, Freddie left university ready to learn how to do things in the real world. He didn't anticipate just how much there would be to learn. “You meet new people almost every day. It’s a huge help when to moving to a new city and leaving uni that you can spend a lot of time with the wider graduate intake; it makes a nice transition into working life.”

At Deutsche Bank, we understand the importance of helping Freddie and his peers to build their network and support each other. That’s why we developed the Graduate Networking Committee (GNC), a graduate group with a worldwide reach.

“The bank asked for volunteers to become reps for each of our areas to help run the committee. I thought it would be a good way of getting to know people across the world.”

Uniting the differences that make us stronger
There are up to c.1000 graduates globally at Deutsche Bank in any single year and it’s up to Freddie and the committee to make them all feel connected. In some areas they organise their own initiatives, so for example in APAC there’s an APAC lead who moves between Australia, Singapore and Hong Kong championing some amazing activities.

“They send us photos of them hiking over a bridge somewhere in Australia or on a beach together and we’re sat here in rainy old London! But it's cool to get their perspectives on life at Deutsche Bank and it helps us to always think globally.”

Freddie sees the GNC as a great platform for professional and personal development. One of the events he has been organising in London is a speaker series where senior colleagues from different areas of the bank give talks on hot topics. “The GNC also push out a regular worldwide newsletter with profiles of grads who have roles in interesting areas. It’s really insightful to hear their views.”

Beyond networking
The grads also participate in CSR work together. Freddie took a nine day trip to Cuba. "We raised around £16,000 for the Deutsche Bank UK charities, Cure Leukaemia and Rays of Sunshine children’s charity.”

His volunteering has opened the doors to even more opportunities. Amongst other charitable work, he is now also an important part of an agile team of developers helping build an app for the Rays of Sunshine charity in monthly one-week sprints as a gift from the bank.

For Freddie, life at Deutsche Bank has been an eye-opener and shown him that the corporate world is not what he thought it would be when he was at university. “There’s a lot of freedom around what you can do, and what you gain exposure to. I always tell people the two best things about the grad scheme are, firstly, the learning opportunities and exposure to the real world and secondly, the other grads; we all collaborate and learn from one another.”

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At a glance

Senior Analyst Customer Behaviour & Data Driven Services (Chief Digital Office), Frankfurt am Main

Etrit turns good ideas into innovations

Can psychology and technology go hand-in-hand? For Etrit, they represent the perfect combination. “I think that, as well as looking for the traditional applicant profile, Deutsche Bank is also deliberately incorporating unusual perspectives into the change process.”

Good ideas are important – but putting them into practice is essential
When it comes to technological innovations, big data is a key concept. This not only involves managing and organising data but also means interpreting the available data and information correctly. The best algorithm is of no use if it lacks content or is interpreted in a way that does not address the right needs. The interface between these two factors is precisely where Etrit draws inspiration for his work in the Digital Factory.

Where can I use my skills to create the greatest added value?
Etrit first studied the organisation of work during his psychology degree. During this time, he became increasingly fascinated by the link between creativity and innovation, particularly the question: How does a good idea become an innovation with the potential to change the world? After looking for a field where he could put into practice what he had learned, Etrit ultimately chose the banking sector. “Everything is changing right now, and I was and remain absolutely convinced that I can use my knowledge to create genuine added value.”

Springing into action
During his graduate programme, Etrit completed various rotations within our Technology unit, where he became familiar with different aspects of IT and expanded his technological knowledge. “When it comes to modern technology, user psychology and the cognitive processes behind it are always key issues. Human-centred design is only possible when you can identify and decipher these processes.” From the start, he took every opportunity to get personally involved and bring new ideas to the bank, most notably during a test automation project he was involved in. Faced with the question “How can we make even better use of any dormant potential for creativity and change?” Etrit wasted no time in launching a workshop to identify possible problems and challenges together with the team, which triggered plenty of “eureka” moments.

Multiplying and sharing knowledge
Etrit also participated in a “bar camp”, which involved a regular series of internal talks in which colleagues from different divisions provide insights into trends and developments. In addition, he took the opportunity to get involved in various global trainee initiatives, including the Knowledge Bites initiative aimed at bringing employees closer to the latest information and news in different formats. This resulted in the Save Birki Challenge sustainability campaign, which helped to reduce printer paper use and raised awareness of paper and CO2 consumption. “Sustainability is such an important issue for society and it’s fascinating that Deutsche Bank has been climate neutral since back in 2013.”

And even that’s not all: Etrit has also been involved with the Design Thinking working group, which explicitly deals with the design of change processes. He is convinced that creative working methods not only change workflows and processes but also directly impact a company's mindset and culture. “We also regularly discuss this topic with other companies. That’s highly inspiring, as digitalisation poses similar challenges for large corporations across all sectors, and offers a wealth of opportunities too.”

Gaining an even better understanding of what clients want
After completing his graduate programme, Etrit decided to join the Digital Factory permanently. Everything in this unit revolves around innovations, products and business models that address changing client requirements even more effectively. As a Senior Analyst Customer Behaviour in the Online and Mobile Banking team, he can take his “mission” into his own hands and contribute to turning good ideas into innovations.

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At a glance

Chief Operating Officer Emerging Markets, Loans and Deposits (Wealth Management), Singapore

Wei-wei develops solutions to simplify the effort of our customers

In today’s climate, companies are rushing to find the innovation and deliver large-scale transformation that revolutionise their business from top-to-bottom, but for us effective improvement has always been a continuous process. Wei-Wei’s role as Chief Operating Officer of our Emerging Markets, Loans and Deposits team in Wealth Management is to manage the growth of her business area. Her accomplishments are proof that when it comes to driving change, your mindset is just as important as your actions.

Nurturing better outcomes
Wei-Wei is responsible for products, people, processes, performance and protection. Protection means looking at the different ways risks in the business are managed to ensure the correct controls are in place to manage them.

“I look after growth for the business, anything that helps increase our revenues, reduce our costs, and at the same time managing the risks around it.”

One of Wei-Wei’s current projects is improving the Lombard credit request cycle; the end-to-end process that begins with a client’s credit request and ends with funds being made available for client to draw down. This cycle currently takes too long, as there are various evaluations, checks and processing that must take place, and multiple touch-points before the end point—this is a process that Wei-Wei wants to make more efficient.

“If we shorten the time from front to back within the bank and then to the client, we can meet their needs on a more timely basis, without increasing risk. It’s a win-win for everybody.”

Collaboration-powered change
Wei-Wei began by identifying pain-points, learning how other regions and competitors deal with these pain-points, seeking ideas from co-workers on ways to improve processes and align stakeholders on changes required.

“I love to hear about people’s pain-points as much as I like to hear success stories. Every ‘complaint’ is an opportunity to improve”.

She works with people across the business to build the solution and is then supported by a dedicated transformation team who help manage and implement it.

“The way our team is set up is in general a very collaborative environment, starting from strong leaders who encourage collaboration across diverse functions and frown on silo mentality, to working-level colleagues who want to solve problems and make things work. Having access to everybody that runs the nuts and bolts of the business, is fundamental to making changes.”

Success at the finish line
It’s the desire to drive change and work collaboratively across the franchise with aligned goals that make improvements possible. Wei-Wei says,

“There is a general recognition that improvement is done on a continuous basis, it’s continuously looking for areas to improve and delivering solutions quickly.”

That’s what change at Deutsche Bank Wealth Management means for her. It’s less about the one-off big-bang transformation projects, and more about the culture where everybody is open to change – one where every decision and action helps lay the foundations for a better, stronger bank.

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At a glance

Analyst Software Developer (Anti-Financial Crime), London

German appreciates the cross-border commitment to realize ideas and goals.

Everyone wants to make an impact. People want to know that they’re making the most of their skills and doing work that genuinely makes a difference – to clients, colleagues, the industry or society. It’s easy to underestimate just how important strong collaboration is in making that difference happen.

German joined us last year on the Technology Graduate Scheme and has been playing a pivotal role in an international project that is helping change the way Anti-Financial Crime processes work.

Putting the right skills in the right place
German studied Computer Science at University College London and joined us with a passion for data, which he wanted to grow. “I was curious to learn about data handling in a large organisation. Deutsche Bank are one of the industry leaders within transaction banking and conduct a huge volume of transactions daily; that means gathering, processing, and storing lots of data.”

He’s currently on his first placement, working directly alongside the Chief Operating Officer of our Anti-Financial Crime Technology area and focussing on how to structure and present various data sets. His technical expertise has already converted into impressive impact.

“The culture is very much encouraging you to come up with ideas for change. I was surprised how open the leadership team is to different views and new ideas. It’s really easy to have that conversation with senior management.”

But we know those conversations pay off. German’s ideas translated so well that his work on making data more consistent across the department is now part of a much bigger project: a Project Dashboard for the Anti-Financial Crime division.

One idea meets a global project
The Project Dashboard is a collaborative effort, which aims to create a unified view for managers to quickly assess the status of their projects from a variety of perspectives. German is currently working to integrate the various components which ensure the HR data is correct.

The dashboard is a truly international effort – carefully led by a highly experienced team in Bucharest. It provides analytics for projects running in Germany, the UK, France, the US, India and Romania.

“I was impressed by how structured the communication is in the team. You always come out of a conversation knowing exactly what needs to be done, who’s doing it and when. My managers in both London and Bucharest are always on hand to provide me with guidance.”

It’s this kind of close collaboration across global teams that really lets people like German make a huge difference straight away. Or as he puts it:

“It’s the spirit of common ownership I really like. It means you are all in it together.”

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Technology by the numbers

Driving global business means more than simply moving money. At Deutsche Bank, we take a technology-first approach for our clients around the world. Through our global innovation labs, Digital Factory and work in emerging tech, we’re collaborating across geographies to keep the global economy running 24/7. See how Deutsche Bank is bringing the future of technology to the forefront of banking.


We are the 1st German bank to offer contactless payments via smartphones.

We have 5 global innovation labs where we have generated solutions for Trading, Risk, Compliance and Retail.

Our mobile app won 5 awards in 5 months and attracted over 2.67 million downloads.


Customers can open an online account with us in 7 minutes.


Our Digital Factory brings together over 400 employees from 14 different countries.

In partnership with Autistica, tech undergraduates and interns developed 18 prototype apps during a Deutsche Bank 24-hour hackathon.

Our teams are building applications capable of moving trillions EUR around the globe every day.


We aim to invest 1 billion EUR on digitalization by 2020.

Be defined by your contribution

The tools you need to transform global business are right at your fingertips. And the journey you take at Deutsche Bank is full of limitless potential. Whether you’re interested in technical positions or more business-facing roles, you’ll have the opportunity and flexibility to explore a variety of different areas. Our fast-paced environment and focus on delivery means you’ll develop your skills quickly across a range of disciplines, and build an in-depth understanding of how technology powers change in the financial world. As an intern or graduate with Deutsche Bank, you’ll find a career to look forward to. Discover some of the teams you could be part of:

Service Management

Service Management

Our Service Management teams are hands-on technicians, supporting our functional teams and leveraging their expertise to ensure best-in-class Service Management. From monitoring and tracking production data to supporting the resolution of issues, their insights and input help advance our industry.

Business Analysis

Business Analysis

The next generation of systems must evolve with creativity and curiosity. Our Business Analysts have the opportunity to translate business requirements into system-specific functional specifications and support the business throughout implementation. Working closely with users, engineering teams and stakeholders, they turn data into powerful, business-critical insights that serve our clients and the bank.

Q&A Testing

QA Testing

Analyzing requirements, writing test cases and creating test data are just a few things our QA Testing teams do to ensure our products uphold the highest standards. From planning and strategy to analysis and reporting, this team watches their work come to life in a way that drives our bank and our industry forward.

Software Engineering

Software Engineering

New ideas power pioneering systems. And our Software Engineers do just that. From developing and verifying source code to designing and integrating application components, this team delivers innovative solutions to some of the toughest challenges in the financial services industry.

Are you interested in starting a career at Deutsche Bank?
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