Have 17+ years of e-banking experience working in various positions in SEB group. Currently head of e-channels team in the SEB Baltic Division. Responsible for internet bank, public web, mobile banking and gateway services in Estonia, Latvia and Lithuania. During the years main responsibility has been Internet banking development. Have been responsible for setting up call-centre and phone banking services, developing mobile and SMS banking, responsible for ATM network and ATM software development. Project manager in launching several internet bank services and developing PKI and Wireless-PKI based authentication solutions.