Andrei Kozliar is a seasoned banker with 17 years of professional experience in senior and executive leadership roles in international banking leading transformation and start-up projects in retail banking sector. Andrei has started his career in the UK working for such banks as Royal Bank of Scotland and BNP Paribas / Cetelem, focusing on risk management & credit strategy, after which he started participating in the development of various Fintech startups and digital banking projects. Andrei’s core competence and interests are focused on innovation, growth-hacks and building of top-notch performance teams. For the past decade Andrei held several executive positions at GE Money Bank, Renaissance Capital and Svyaznoi Bank in Russia. In 2013 he was appointed as a Managing Director and a chief strategy development at Touch Bank, Russia’s digital-only bank, founded by OTP Group, the leading financial institution and banking service provider in Eastern Europe. Within less than 2 years of operations Touch Bank attracted over 100 000 customers in Russia, providing its growing customer base with excellent digital services and unique financial products.