Ms. Tatiana Zharkova has over 25 years of experience in banking. She is currently an advisor to the chairman of the board of directors of QIWI Bank (JSC) and a General Director of Association for Development of Financial Technologies. During her career Ms. Tatiana Zharkova successively worked in the commercial banks Menatep Saint-Petersburg, Russian standard and Stolichny. She also participated in the launch of Rusfinance bank and held top positions in KMB-Bank, Volkswagen Bank RUS, Globex Bank and AK BARS Bank. Ms. Tatiana Zharkova graduated from Plekhanov Russian University of Economics in 1995 with a degree in finance and credit and from Graduate School of Public Administration of Lomonosov Moscow State University under the Independent Director program in 2015. She is also a candidate of economic sciences and qualified as an IoD Chartered Director.