Togrul Aliyev has started his career in 2005 as a specialist in Ministry of Justice. After serving in various leading positions, he joined the Central Bank of the Republic of Azerbaijan as a Senior Consultant of AML department in 2008. During 2009-2013, he was leading different departments of the Bank. During 2013-2019 he was directing Risk Management Department. As of 2020, he is the Executive Director in the Central Bank of the Republic of Azerbaijan.

Togrul Aliyev is an alumnus of Law specialization of Baku State University. Currently he studies EMBA at the University of Sheffield.

Emre is responsible for establishment, developing and overseeing the prosecution of all Provenir business activities in Turkey, Middle East, and Balkans, heading up the establishment of the commercial business line and the Istanbul office - team for Provenir. Emre has extensive industry experience having spent the last fifteen years gaining expertise in analytics, decision management, credit decisioning and financial crime. Emre has a master’s degree (MSc) from Istanbul Technical University in the field of Industrial Engineering and has a BSC from Eastern Mediterranean University in the field Chemistry with Management Sciences

Gokhan Sari is a Senior Partner in McKinsey & Company’s Istanbul Office. He is the Head of Financial Institutions and Risk Practice in EEMA region (covering Eastern Europe, Middle East, Africa, Turkey and Azerbaijan) After joining the firm in 1999 in Istanbul, Gokhan spent 10 years across India and US office and returned back to Istanbul in 2012 Gokhan holds an MBA from Columbia University and a BSc degree in Industrial Engineering from Bilkent University in Ankara.

Mike Jennings have worked in almost all CEE and Eurasian countries, following the clients in their businesses and developing new business where the Firm has had relationships. Mike has done a number of projects in Azerbaijan too. He has 28 years of consulting and assurance experience helping clients deal with issues from sustainability to finance, risk, regulation, strategy, due diligence, supply chain.

Hayala Naghiyeva is corporate finance and risk professional with more than 17 years of professional experience in the local and regional financial services industry.

She is an alumnus of Azerbaijani State University of Economics and graduated International Economic Relations and Business Administration department with distinction. She spent part of her studies in US, supported by the scholarship of Open Society Institute in 2002. She is taking a TRIUM MBA degree from LSE, HEC Paris and NYU Stern school of Business.

During 2003-2006, Hayala Naghiyeva served as a financial auditor at Deloitte CIS. In 2007, she continued with Deloitte CIS as a Senior Advisor in Financial Advisory Services.

Hayala Naghiyeva joined PASHA Holding LLC in 2009 as an Investment Manager and took active part in capacity building of the company on investment decision-making.

Hayala Naghiyeva became a member of PASHA Bank Audit Committee in 2010 and chaired the committee during 2012-2014. In 2015, she was appointed as a Member of the Executive Board and Chief Financial Officer. From March 1, 2018 she is a member of the Executive Board and Chief Risk Officer of the Bank.

Ahmet Kocamaz started his career in Chicago as Financial Services Software Developer. He continued at Credit Cards Department in Garanti Bank, various analytical roles in Finansbank, National Bank of Greece, Vojvodjanska Banka and Akbank. He is focusing on digital risk assessment at Crede Data Services since 2011 serving large corporates.

He has a computer engineering degree from Bilkent University and MBA from University of Illinois at Urbana-Champaign. He continues practicing data analytics and public data collection at Crede as the founder & managing partner.

Ebru Oğan Knottnerus graduated from Middle East Technical University, the Department of Business Administration. She started her banking career in 1991, with roles at various private sector banks and organizations as manager and senior manager in the fields of internal audit, internal control, financial control, planning & budget, MIS reporting, system software implementations and project management, predominantly focused on risk management.

She administered risk management activities of the bank and its subsidiaries as Head of Risk Management at T. Garanti Bankası A.Ş. between 2001 and 2018.

Gökhan leads PwC's Forensics, Compliance and Crisis Consulting practice in Turkey. He has over 20 years of professional experience in compliance due diligence, forensic investigations, dispute analysis, compliance reviews, fraud risk assessments and internal audit.

Prior to joining PwC, he worked at Royal Bank of Scotland as Internal Audit Director responsible of the audits and investigations in EMEA region. He also worked in global advisory firms and multinational banks in related fields for more than 10 years.

Gökhan is also chairman of the Board of Directors in ACFE (Association of Certified Fraud Examiners Turkey)

After graduating from Bilkent University Faculty of Business Administration, Engin started his career with PwC Turkey’s Forensics, Compliance and Crisis Consulting Services in 2016. He is working as a Manager at PwC Turkey.

Engin has participated numerous projects including but not limited to Fraud risk assessments, due diligence investigations, AML / Sanctions reviews, global intelligence and Risk Control Self-Assessment projects.

Engin has gain experience in different and various industries such as financial services, pharmaceutical and life sciences, FMCG, retail and manufacturing and energy. Engin holds a master’s degree in Audit and Accounting from Bilgi University.

A graduate of Azerbaijan State Economic University and Newcastle University with distinction, Elmin Iskandarov has started his career path with PASHA Bank since 2014 and currently works as a director in Credit Risk Underwriting. At present Elmin Iskandarov is working on different projects like “Digital SME Lending” and “Integrate scoring model into lending cycle” and holds different ACCA degrees.

Gunay Jalilova is a Bank Executive with extensive experience in different areas of banking, people management, and marketing. She leads Product development, Brand management, and CVM (Customer Value Management) functions in Yelo Bank.

During her more than 17-year activity in the banking sector, she was in charge of several business directions such as branch management, corporate banking, human capital management, sales, and business development.

Tibet is a Manager at PwC Forensic Services Team based in Turkey and he specializes on financial crime analytics, corruption investigations, fraud investigations, disputes and process audits. He also has done Fraud Monitoring, Prevention and Fraud Risk Assessment.

Prior to joining PwC Turkey, Tibet worked as an Internal Auditor at Yapi ve Kredi Bank between 2018-2021 where he conducted commercial branch audits, process audits and investigations. He prepared fraud detection scenarios that assisted the audit teams focus on risk events and identify fraud cases. He also managed Artificial Intelligence and Robotic Process Automation projects for the internal audit department.

After graduating from Bogazici University, Ilker started his career in Vodafone Turkey in which he managed payment system projects and worked on IT operations to analyze 23 million clients’ data. After Vodafone, he joined Oredata as a consultant data science where he built and deployed more than 15+ use cases in several industries. In 2019 he joined Tarfin, a fintech company specialized in buy now pay later, to establish data science function from scratch and develop credit scoring models as well as dynamic pricing, portfolio diversification and fraud detection. In 2021, he joined PASHA Bank to establish data science function in which general duties include developing credit scoring models for SME clients, risk monitoring, propensity and churn models in addition to contributing the bank to create and execute data strategy, model validation and data governance.

Gafar Demirchi was born in 1986. From 2004-2007, he received a bachelor's degree in Economics from University College London. Since 2008, he has been working as the Executive Director of AGA Group of Companies. In 2012, he founded Bravo Technologies. Since 2017, he has been a co-founder of Ferrum Capital. Since 2020, he has been the co-founder of Zadeh Technology Center and Fuzzy Coffee&Wine. In 2022, he co-founded Brandmart and Content House.

Vusal Khalilov is an alumnus of the Baku State University, Faculty of Applied Mathematics and Cybernetics, majoring in Computer Science. He obtained a bachelor's degree in 2004-2008 and a master's degree in 2009-2010. V. Khalilov, the winner of the various local contests on programming, holds the "EMBA" degree of the joint program of the Azerbaijan Diplomatic Academy and the Maastricht School of Management.

His professional career path began in 2006. He worked as a programmer and IT specialist in various companies. V. Khalilov started working as a junior programmer at Azercell Telecom in 2011. In 2016 he was appointed as the Head of the Product and Services Development unit. Vusal Khalilov joined PASHA Bank in 2018 as the Head of the Digital Engineering Division.

In 2021, he was appointed as the Chief Technology Officer of PASHA Bank.

A graduate of Faculty of International Economic Relations of Azerbaijan State Economic University with distinction in 2004, Ogtay Mammadov started his professional career in 2004. Having worked at “Azpetrol Oil Company” LLC from 2004 to 2005, he held such positions as an assistant to the general director at “Azpetrol Oil Company” LLC, as an assistant to the chairman of the Supervisory Board of the Company and as a head of Market Research Department at “Azpetrol LTD” LLC. Also in 2007 received a master’s degree in “Economics” in Azerbaijan State Economic University. Later in 2009, he began working as a strategic research specialist at “Tamiz Shahar” OJSC and was promoted to the positions of head of Project Management and Public Relations Department, member of the Executive Board and advisor to the chairman. In 2016, he began working in “AzerGold” CJSC, where currently he is holding position of a member of the Executive Board – Deputy Chairman of “AzerGold” CJSC.

Kazim Tanriverdiyev holds Banking degree from Marmara University. He previously worked in EY Azerbaijan in the sphere of Assurance Services. Kazim Tanriverdiyev is currently working in PASHA Bank as a Senior Specialist on Credit Risk Management

Fariz Azizov is a professional with remarkable experience in Insurance sphere and Stock Market. He is an alumnus of Lancaster University holding a master degree on business administration. He also holds a master degree on Programme Management from Oxford University. During 2009-2014, he served as a Chairman of the Executive Board of National Depositary Center of the Republic of Azerbaijan. During 2014-2016, he was the Chairman of the Executive Board and the Chairman of the Supervisory Board of Baku Stock Exchange.

After leading the Compulsory Insurance Bureau between 2016-2018, he joined the Executive Board of PASHA Insurance.

Kenessary has 7 years of experience beginning from 2015 in Deloitte. He specializes in credit risk management area, mainly focusing on financial sector. Kenessary was involved in multiple Audit Quality Review projects in Kazakhstan and additionally participated in advisory and audit sides of the engagements. He led the following working blocks: data validation and integrity (DIV), portfolio stratification and sampling, Credit Files Review projection and collective provisioning (challenger model). Kenessary also participated in definition of validation methodology and validation of credit risk assessment model in Kazakhstan and Russia. Moreover, he was engaged in development of expected credit loss methodology and writing of technical specification for automation under IFRS 9 standard implementation projects for financial institutions of Kazakhstan, Kyrgyzstan and Uzbekistan. Supported financial statement audit and due diligence projects in the assessment of adequacy of the expected credit loss provisions. Kenessary also participated in definition of validation methodology and validation of credit risk assessment models across CIS.