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 has held executive risk and general management roles at Barclays, RBS, and Ulster Bank Ireland. Before becoming the CEO of Coutts & Co International Paul also served as Managing Director and Chief Risk Officer at the company. Paul is Chair of the Risk and Capital Committee and a Member of the Audit and Nominations Committees. Paul graduated with Honours from Oxford University and holds 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 Chairs the Audit Committee and serves on the Risk and Remuneration Committees. She is also the Audit Committee chair for Tipton & Coseley Building Society and an advisor to the Board of Perenna.

Keith is a seasoned CFO with extensive experience in e-commerce, fintech, and online payments businesses. He currently serves as the CFO of Boku Inc, a leading mobile payments company, and previously held the same position at PaySafe Group Plc. Keith serves as a Member of the Risk Committee, Audit Committee, Remuneration Committee, and Nominations 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.

Before joining LHV Bank, Gary held the position of Finance Director at Starling Bank and senior positions at other private equity-backed companies operating within listed and regulated markets, including experience in successful M&A processes and an IPO. Gary earned his Bachelor's in Accounting & Information Systems from the University of Leeds and is a member of the Institute of Chartered Accountants in England and Wales. Gary also serves as a Member of the Board of Dalgagi Limited.

Andres joined LHV from tech giant Skype, where he was the Payments and Billing Manager. He served as Head of Retail Banking before taking the role of Head of the LHV UK Branch and, subsequently, Deputy CEO of LHV Bank. Andres is a member of the management board and the Head of the Financial Institutions of LHV Pank. 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.

Gary has over 15 years of experience in finance, having served as CFO of JBR Auto Holdings Ltd, Finance Director at Starling Bank Ltd, and Group Financial Controller of Ayondo Group, a fintech firm specialising in social trading and investment services. He is also on the Board of Dalgagi Ltd. Gary earned his Bachelor's in Accounting & Information Systems from the University of Leeds in 2003 and is a member of the Institute of Chartered Accountants in England and Wales.

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

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 license 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.

Julie has extensive experience in banking, having worked in regulatory and compliance roles at the Bank of Ireland, Bank of China, and PwC. She was a founding member of Monument Bank, where she played a pivotal role in achieving a full banking license and a successful operational launch. Julie holds a Financial Planning Certificate, Mortgage Advice Qualification, and Certificate in Anti Money Laundering.

Becky joined LHV Bank in October 2022 as Commercial Director following the acquisition of the SME Lending business from Bank North Limited. Before that, she was Head of Origination for Revverbank where she was part of the core team responsible for the design and implementation of all the core lending products and supporting regulatory requirements. Rebecca has held various leadership roles within Business and Commercial Banking, including delivering growth through supporting a portfolio of SME customers with banking and lending services.

Russell is an accomplished CIO with over 25 years of experience designing and implementing innovative technology solutions across the Financial Services sector. Before joining LHV Bank, Russell was CIO of BidVest Bank Ltd for 14 years and is a seasoned financial services expert across the technology spectrum, including business technology, strategic IT leadership, and enterprise-wide IT operational management. Russel has completed the Oxford Fintech Programme at Saïd Business School, University of Oxford.

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.

Ingvar is an experienced financial services legal advisor. He has worked as an associate at various law firms in London and Brussels, serving as General Counsel and Head of Legal roles since 2017. Ingvar has a special focus on fintech and crypto matters. Ingvar holds an LLB in English and French Law and an LLM in EU Competition Law from University College London. He qualified as a Solicitor in England and Wales and an Attorney in New York.