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, Vice-Chair of the Board and Chair of the Board Credit Committee 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 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 of Tipton & Coseley Building Society, 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.

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 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.

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.

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.

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.

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 licence and a successful operational launch. Julie holds a Financial Planning Certificate, Mortgage Advice Qualification, and Certificate in Anti Money Laundering.

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.