◾️ Leading a multi-national team of controllers (Estonia, Latvia, Lithuania).◾️ Pan-Baltic group monthly internal management reporting; quarterly and annual external reporting.◾️ Setting up and monitoring of group wide budget and forecasting.◾️ Carrying out month-closing activities, including cost provisioning, intra-group management fees, capitalization of investment costs, etc.◾️ Business and investment case financial modelling.◾️ Streamlining of cost accounting principles.

◾️ Financial consultancy services to businesses. ◾️ Business case modelling. ◾️ Macroeconomic overviews.

◾️ Group financial management. Coordination of financial operations of subsidiaries in 4 countries (Estonia, Latvia, Lithuania, Norway).◾️ Investor relations (stock exchange announcements, communication with investors and analysts).◾️ Business and financial reporting (internal and external), budgeting and internal forecasting.◾️ Business plan and cash flow (project based and group-wide) modelling and analysis. ◾️ Public relations in finance matters (TV appearances, radio interviews, public speaking at conferences and seminars). ◾️ Overall leadership responsibilities for a team of four employees on a group level with additional reporting lines from the heads of finance in four countries (subsidiary companies).

◾️ Transitory position as DNB and Nordea banks in the Baltics merged to form Luminor Bank.◾️ Part of the transition of DNB credit decision making process into Luminor process.

◾️ In charge of credit analysis team of four employees in corporate banking.◾️ Business and financial analysis as well as financing structures of large clients.◾️ Macroeconomic analysis, advisory of bank top management, public communication (written articles in media, TV appearances, public speaking in conferences).

◾️ Leading a team of top level cyber security experts in fields like data traffic monitoring, situational awareness, cryptography and its implementation, defense of data networks, cyber defense exercises etc. ◾️ Coordinating support to development and management of key building blocks of Estonian digital infrastructure (i.e. electronic ID / national PKI, X-Road data exchange layer etc.). ◾️ National cyber security and digital infrastructure related strategic plans and developments - input to national cyber security strategy, legislation, organizational aspects, etc.◾️ Bridging the gap between expertise of technical top experts and actionable management information as an input to decision makers (Authority and ministry levels).

◾️ Economic impact analysis of public sector (incl EISA's) IT projects and developments.◾️ Contribution to national level public sector strategic documents, for example:- cyber security strategy with focus on critical information infrastructure, cyber security related definitions and cyber threat profiling; - information society development plan goals and metrics.

◾️ Financial modelling, analysis and forecasting.◾️ Preparing of financial statements.◾️ Financial operations (carrying out payment transactions, etc.).

◾️ In charge of 4 departments with 130 employees: - Credit and Risk Analysis- Portfolio Management- Governance Framework and Decision- Financial Restructuring and Recovery◾️ Implementing in-house credit risk rating methodology and corresponding provisioning of credit exposure together with credit analysis of corporate credit clients.◾️ Corporate governance pertaining to credit management.◾️ Overseeing financial restructuring and recovery operations of high risk/defaulted credit clients.◾️ Monitoring and analysis of the risk profile of credit portfolios, management of credit risks.◾️ Regular and ad hoc credit reporting to the Estonian, Baltic and Swedbank Group level for Estonian credit portfolio (private persons, SMEs and corporate clients).◾️ Member of Swedbank's Executive Board in Estonia. ◾️ Chairman of the highest level credit committee in Estonia (large corporate clients).◾️ Member of Baltic credit committee for troubled corporate clients (financial restructuring and recovery).

◾️ In charge of credit analysis processes, including implementation of in-house credit risk methodology and credit application analysis of corporate clients.◾️ Overseeing the usage of credit risk models for SMEs and private persons. ◾️ Chairman of Corporate Banking Credit Committee (mid-size corporate clients).◾️ Member of the highest level credit committee in Estonia (large corporate clients).◾️ Member of Estonian credit committee for troubled SME and corporate clients (financial restructuring and recovery).

◾️ Training and support of junior credit analysts in all credit related issues (credit analysis, collateral assessment, financing structure, credit risk rating models for corporate clients, credit products, etc.).◾️ Training of account managers in credit analysis, credit applications and credit risk scoring models for SMEs.◾️ Credit analysis of corporate clients for credit rating assignment, collateral assessment, financing structure and credit applications. ◾️ Overview of specific economic industries and credit portfolio of corporate clients.◾️ Member of Corporate Banking Credit Committee (mid-size corporate clients).

◾️ Credit analysis (incl. business and financial analysis) of corporate clients for credit rating assignment, collateral assessment, financing structure and credit applications (input for credit committees). ◾️ Overview of specific economic industries and credit portfolio of corporate clients.