Experienced product owner with strong technological skill set and capability to manage multinational development teams. Last four years helping two differnet banks to open up their services via APIs.

Leading a team designing and developing APIs for digital channels and open banking.

Open banking - developing APIs and related documentation in developer portal.

• Facilitated cooperation between university and enterprises. For example ABB, Elion, Mitsubishi Motors Corporation and many more.• Have been one of the starters of innovation and business centre Mektory at Tallinn University of Technology.• Have been one of co-writers of application to Erasmus+ program with budget of 1 million EUR for consortium consisting of 6 universities from 6 different EU countries, 3 companies and one NGO.

Focused on innovation, change management• Helped a bank with multinational branches to upgrade its settlement services.• Designed business model for a high tech start-up.• Helped an audio and video studio to revise their business model and strategy.• Helped a company providing software implementation services to design new business model and sketch business plan for that.• Helped a flower wholesaler to revise its business model and management practices.• Helped a… Show more Focused on innovation, change management• Helped a bank with multinational branches to upgrade its settlement services.• Designed business model for a high tech start-up.• Helped an audio and video studio to revise their business model and strategy.• Helped a company providing software implementation services to design new business model and sketch business plan for that.• Helped a flower wholesaler to revise its business model and management practices.• Helped a company in construction sector to revise its business strategy and management practices.• Participated in the team revising strategy of a HR company.• Participated in the team sketching concepts for a food services provider. Show less

• Merged three different units (financial system monitoring, payment system oversight and banking statistics) into one department and started financial stability function in the central bank. • Introduced regular issuance of Financial Stability review (twice a year).• Responsible for design and implementation of measures for banking sector to reduce risks related to very fast loan growth (changes in capital regulation and minimum reserve requirement).• Responsible for updating of… Show more • Merged three different units (financial system monitoring, payment system oversight and banking statistics) into one department and started financial stability function in the central bank. • Introduced regular issuance of Financial Stability review (twice a year).• Responsible for design and implementation of measures for banking sector to reduce risks related to very fast loan growth (changes in capital regulation and minimum reserve requirement).• Responsible for updating of banking sector regulation in Estonia i.e. implementation Basel 2 rules.• Participating in the work of the committees of European Commission (Committee of European Banking Supervisors) and European System of Central Banks (Payment and Settlement Systems Committee; Banking Advisory Committee).• Represented the Bank of Estonia in the supervisory board of the Tallinn Stock Exchange. Show less

• Responsible for the design of the interbank payment and settlement systems of Estonia for small value and large value payments (from 1997 to 1998).• Responsible for building and implementation of the small value and large value payment systems (implemented in February 2002).• Updated Estonian legal framework with the European Union legislation by developing a president decree of the Bank of Estonia.• Represented Estonia in accession negotiations with the European Union in the… Show more • Responsible for the design of the interbank payment and settlement systems of Estonia for small value and large value payments (from 1997 to 1998).• Responsible for building and implementation of the small value and large value payment systems (implemented in February 2002).• Updated Estonian legal framework with the European Union legislation by developing a president decree of the Bank of Estonia.• Represented Estonia in accession negotiations with the European Union in the field of payment and settlement systems. Show less

• Updated legal framework of the payment system by developing two president decrees and one board decision of the Bank of Estonia.

• Developed factoring schemes for timber exporters.• Prepared business plans for toy-store and for company selling sales area furniture.• Updated accounting system of the State Archive.

• Put into practice and conducted accounting and financial analysis of the company.• One of the developers of the business plan for the television company, TIPP TV.

• Designed cable television network for many towns in Estonia.• At the same time took short courses about accounting and started to work additionally as an accountant for small construction company.