Bernhard grew up in Vienna, where he passed school as well as university of Economics. In 1994 he started to work for Raiffeisen Zentralbank as a research analyst. Leaving research after 5 years as a senior analyst, he passed several other departments in the bank such as Market Risk department as well as Treasury department. In 2005, he joined Raiffeisen Bank International in financial controlling area. He is now heading the team for finance methods. He is married now for 20 years with a pharmacists and likes to do cycling and enjoying the big garden. In 2000, he finished a doctor’s degree in econometrical statistics.