Our Leadership Team

Madis serves as the Chairman of the Board of LHV Bank and its parent company LHV Group. He also belongs to the management board of the non-profit organisation FinanceEstonia and the ESG expert group of the Government of the Republic of Estonia. He holds a Bachelor's degree in Business Management from Tallinn University of Technology and a Master's in Public Sector Finance.

Paul brings substantial experience from his roles in executive risk and general management at institutions such as Barclays, RBS, and Ulster Bank Ireland. Before becoming the CEO of Coutts & Co International, he was the company’s Managing Director and Chief Risk Officer. At LHV Bank, Paul is the Chair of the Board Risk Committee and a Member of the Audit, Remuneration and Nominations Committees.

Outside LHV Bank, he is a Non-Executive Director and Chair of the Board of Arion Bank. Additionally, Paul is a Non-Executive Director and Chair of the Board Risk Committee of AIB Group (UK) PLC and serves as a Non-Executive Director and Chair of the Board Risk Committee at National Bank of Kuwait (International) PLC. Paul graduated with Honours from Oxford University and is an Associate of the UK Chartered Institute of Bankers.

Sally holds a BA in Natural Sciences from Cambridge University and is a member of the Institute of Chartered Accountants. Sally is the Senior Independent Director and Chairs the Audit Committee, Remuneration Committee and Nominations Committee and also serves on the Board Risk Committee and is the Board Consumer Duty Champion.

Sally is also a Non-Executive Director and Chair of the Audit Committee and Remuneration Committee of Perenna Bank PLC and a Non-Executive Director of AIM-listed H&T Group PLC.

Gill is a seasoned financial services executive and Board Director. She joined the LHV Bank Board as Independent Non Executive Director (INED) in April 2024 and is a member of the Risk Committee and Remuneration Committee. Gill has broad experience in the financial field as an INED.

Gill is currently serving as an INED at Citibank Europe PLC where she is Chair of the Remuneration Committee and a member of the Risk and Audit Committees, Fnality Services Limited, where she is Chair of the Board (subject to regulatory approval), Chair of the Nominations and Remuneration Committee and member of the Risk and Audit Committee. Outside of her plural career in financial services, Gill also acts as Trustee and Treasurer for T&M Greg Trust.

Keith is a seasoned CFO with extensive experience in e-commerce, fintech, and online payments businesses. He currently serves as interim CFO at Amino Communications Limited, a subsidiary of AIM-listed video streaming company Aferian Plc. Keith was previously CFO at mobile payments company Boku Inc and prior to that was CFO at PaySafe Group Plc. Keith serves as a Member of the Board Risk Committee and Audit Committee of LHV Bank. Keith holds a BSc in Management Sciences from the University of Warwick and is a member of the Institute of Chartered Accountants.

Erki began his tenure at LHV in 2008 and has held various management positions within the company. He holds a Bachelor's degree in International Business Administration from the Estonian Business School and an MBA and an MSc in Engineering. In addition to LHV's board, Erki is a Member of the Chartered Banker Institute (MCBI), former chairman of the Estonian Banking Association, and a European Banking Federation board member.

Rachelle, an accomplished finance professional with over two decades of industry experience, joined LHV Bank from Moneycorp Bank, an internationally acclaimed currency exchange company, where she served as the CFO and as a Board Member. Before joining Moneycorp, Rachelle worked as a CFO at Wyelands Bank.

As an ACA-qualified and KPMG-trained accountant, Rachelle has a wealth of experience from her time at various financial institutions, including C. Hoare & Co., Close Brothers, Standard Chartered and HSBC. Her areas of expertise encompass strategic planning and analysis, finance, treasury, operations, investor relations, and compliance.

Andres joined LHV Bank from tech giant Skype where he was Payments and Billing Manager. He served as Head of Retail Banking, Head of LHV Bank Branch and Deputy CEO of LHV Bank before taking on the role of Chief Technology Officer in March 2024. He obtained a Master's degree from the Faculty of Economics and Business Administration of the University of Tartu in 2003.

Erki began his tenure at LHV in 2008 and has held various management positions. He holds a Bachelor's degree in International Business Administration from the Estonian Business School and an MBA and an MSc in Engineering. In addition to LHV's board, Erki is a Member of the Chartered Banker Institute (MCBI), former chairman of the Estonian Banking Association, and board member of the European Banking Federation.

Rachelle, an accomplished finance professional with over two decades of industry experience, joined LHV Bank from Moneycorp Bank, an internationally acclaimed currency exchange company, where she served as the CFO and as a Board Member. Before joining Moneycorp, Rachelle worked as a CFO at Wyelands Bank.

As an ACA-qualified and KPMG-trained accountant, Rachelle has a wealth of experience from her time at various financial institutions, including C. Hoare & Co., Close Brothers, Standard Chartered and HSBC. Her areas of expertise encompass strategic planning and analysis, finance, treasury, operations, investor relations, and compliance.

Andres joined LHV Bank from tech giant Skype where he was Payments and Billing Manager. He served as Head of Retail Banking, Head of LHV Bank Branch and Deputy CEO of LHV Bank before taking on the role of Chief Technology Officer in March 2024. He obtained a Master's degree from the Faculty of Economics and Business Administration of the University of Tartu in 2003.

Conor brings over two decades of experience in SME lending, with expertise in the end-to-end credit lifecycle. A graduate with more recent professional qualifications in Green Finance and fintech, he has extensive experience in leading teams in helping SMEs grow and prosper with finance solutions.

He joined LHV from a startup bank where he was part of the initial team securing a new bank license and was responsible for establishing a successful lending proposition. Conor builds on his experience, including in operations and underwriting, to lead the SME lending proposition, continually seeking ways to improve the client experience and access to finance and capital to support their continued growth.

Kris brings more than 20 years of expertise to LHV Bank from the banking and financial sector. Before joining LHV, he was the acting Chief Commercial and Strategy Officer at Skipton Building Society. There, he oversaw Strategy, Corporate Communications, ESG, and led the Mortgage and Savings product teams. Before Skipton, Kris held senior savings roles at notable institutions like HSBC and Bradford & Bingley. Beyond his direct roles, he served on the Mortgage Product and Service Board of UK Finance. Kris holds a BSc in Retail Management from Loughborough University and an MBA from the University of Bradford School of Management.

Assad has nearly 20 years of experience in the finance industry. Prior to joining LHV Bank, he worked at Deloitte as a Director. During his tenure at Deloitte, Assad successfully managed numerous end-to-end banking licence application projects for various companies, ranging from established entities to start-ups. He is well-versed in regulatory requirements and has a strong focus on risk management, giving him a comprehensive understanding of the banking industry and its associated challenges. Assad has a BaFAM (First Class Honours) from Nottingham University Business School.

Rob brings 19 years of risk and compliance experience to LHV Bank from banking and financial services sectors. Before joining LHV, he was the Chief Compliance Officer, Banking and Lending for HSBC UK’s retail businesses. There he stewarded regulatory and financial crime compliance risks across all retail banking channels and brands, including HSBC UK, first direct, and Marks and Spencer Bank. Before HSBC, Rob held several senior governance, risk, and compliance roles for Friends Life Group, and Legal and General. Rob holds a MSc in Financial Regulation and Compliance from Aston University, a MA, and a BA (Hons) in Archaeology from Cardiff University.

Rebecca Wright is a senior HR professional with expertise supporting board-level executives across a range of HR disciplines and industries, including fintech, legal, banking, insurance, and consultancy. Rebecca started her career in financial services and has held Group HR Director roles for publicly listed companies as well as Private Equity and Venture Capital-backed start-ups.

Tim is a seasoned payments lawyer with over 20 years in the field. Before joining LHV Bank he served as General Counsel for Token.io and has held senior roles at Barclays and Paysafe. Tim was also a Partner and Head of Fintech at TLT Solicitors. With a particular emphasis on Open Banking payments, Tim’s experience has been instrumental across law firms and financial institutions in the UK and the European Union. Tim holds a BA from Durham University, and completed his Post Graduate Diploma in Law at the University of East Anglia. Tim is a Solicitor, qualified in England and Wales.