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For example, a job posting for a (Internal Auditor) at the Hamburger Sparkasse bank in Germany lists responsibilities that include learning the "institutsindividuellen Ratingansatzes (IRBA)," which is used to determine regulatory capital requirements for credit risks. Other roles, like a Risikocontroller (Risk Controller) , involve assisting in the introduction of IRBA and helping with the validation and development of rating models (PD, LGD) while considering IRBA requirements from the Capital Requirements Regulation (CRR).