[Dr. Vytautas Senavicius]

Dr. Vytautas Senavicius is the Chairman of the Board at Lithuanian P2P Lending and Crowdfunding Association and Partner at Law Firm Response. Vytautas specialises in alternative finance, financial services regulation, FinTech. As the Chairman of the Board at Lithuanian P2P Lending and Crowdfunding Association Vytautas seeks to discuss and cooperate with public institutions in order to set-up competitive alternative finance regulation in Lithuania. He also constantly advises the clients on fintech development issues. 



[Ansis Spridzans]

Ansis Spridzans is an attorney at law firm Spridzans, Snipe & Hramcenko. Ansis has assisted a number of major clients and executed numerous unique transactions during his 20+ years of experience in banking & finance law. P2P platforms and fintech companies seek his assistance with respect to licencing, operation model change, regulatory and business issues.



[Lars Wrobbel]

Lars Wrobbel was born in 1984, is a trained IT specialist and worked as a consultant in the IT industry until mid-2019. Today he is financially free but full-time entrepreneur & investor and published over 200 books on Amazon. He became well-known through his blog "Passives Einkommen mit P2P" and the associated largest German investor community.



[Nadezda Karpova]

Nadezhda has more than 20 years experience in financial sector and is active in MiFID-Compliance and Market Abuse Compliance since 2007, including 10 years experience in Latvian supervision authority – the Financial and Capital Market Commission (the FCMC). 

As a Chief Supervision Expert of Financial Instrument Market Supervision Department,  responsibilities includes off-site supervision of broker companies and banks in the field of investment service, leading of on-site investigation, participation in licensing and approval process of new firms and services in financial instrument market, handling of customers' complaints, participation in the process of amendments of law and rules of the FCMC, participation in the work of several committees established by EU supervision authorities ESMA and EBA, MiFID II requirements implementation in supervision practice, as well as ongoing consultations and recommendations for market participants and colleagues in the field of investment services and AML.

She is a Certified Anti - Money Laundering Specialist (CAMS) since 2009, as well has over 10 years experience in training executive audiences. 


[Guillermo de la Hera]

Guillermo is one of the victims of P2P scams in Baltics. He leads the collective legal action vs Estonian companies Envestio, Kuetzal and Monethera and represents 3,000 claimants for a total value of EUR 15 million. He is determined to seek justice and contribute to make Europe a safer place for crowdfunding initiatives. As per his daily job, Guillermo provides guidance to clients around the world in the domain of Data Analytics.


[Denis Piskunov]

Denis is an expert in commercial disputes and international arbitration. He has handled disputes in industries such as fintech and crowdfunding, health care, waste collection, construction, railways, transport, insurance, accounting and finance. He also has extensive experience in corporate insolvency and debt collection proceedings. Denis acts as an arbiter recommended by the Estonian Chamber of Commerce and Industry. His expertise covers enforcement of judgements related to cross-border disputes.

[Anastasija Oleinika]

As CEO, Anastasija drives the overall success of the business by executing the strategy and increasing shareholder value. Her previous experience in the TWINO Group as CFO for three years and COO for one year has provided her with a thorough knowledge of Group processes and financial indicators, which in turn allows her to guide the company best.

[Matthew Clannachan]

Matt has been working at Bondora for over 3 years, and banking/fintech for more than 6. While he's responsible for building the investor product, he's also involved with marketing and communications. Favourite part of the job? Working with A-players, every single day.

[Rajeev Mahajan]

CEO of financial services portal, Antworks Money.

[Evaldas Remeikis]

Chairman of the Board at NEO Finance

Experienced Serial Entrepreneur and Chairman Of The Board with a demonstrated history of working in IT and financial services industry. Skilled in Negotiation, Budgeting, Microsoft Excel, Analytical Skills, and Customer Service. Strong finance professional with a Chairman of the Board Education focused in Business Administration and Management, General from BICG.

[Martins Sulte]

Martins Sulte is Co-Founder and CEO of Mintos, an award-winning global marketplace for investments in loans. Prior to founding Mintos in 2014, Martins worked for 6 years in the investment banking industry at SEB advising some of the largest M&A and Equity Capital Market deals in Northern Europe. Martins holds an M.B.A. from INSEAD, France, and is a CFA® charter holder.

[Roxana Mohammadian-Molina]

Roxana is Chief Strategy Officer at Blend Network, a peer-to-peer lending platform that was last year selected by the Mayor of London as one of the UK’s top-ten FinTech companies. She is responsible for the platform’s growth and strategic partnership alliances. Prior to joining Blend Network, Roxana spent eight years in the City as a Vice President of commodities at Morgan Stanley and Barclays responsible for the design and implementation of fundamental-based and tactical trade ideas advising institutional investors and pension funds. Most recently, she founded leading UK mobile beauty platform Zeebba, dubbed the ‘Uber of Beauty’ by the London Daily Mail, and successfully exited after 18 months. Roxana holds an MSc in Financial Economics and Econometrics and a BSc in Quantitative Economics. She is a volunteer outreach worker engaging with homeless people across London with outreach teams and regularly hosts Ladies Pampering Days for vulnerable women living in the streets. Her moto in life and work is ‘You don’t ask, you don’t get!’.

[David Bradley-Ward]

David Bradley Ward, CEO and founder of Ablrate & ASMX, joined the financial services industry after a career in the Royal Air Force. In 2014, he combined his passions of aviation, technology and finance and launched Ablrate; a platform originally designed to service the aircraft leasing sector. David’s dynamic approach to the business quickly saw the platform grow and diversify and Ablrate has now completed in excess of £59 million in loans to a varied range of borrowers across a wide range of sectors. 

With a pioneering attitude to providing diversity and creating liquidity, David formed ASMX in 2018 and launched an innovative software solution that utilizes blockchain technology to create a sophisticated marketplace, the ASMX Loan Exchange. To date, the Exchange has traded over £6.8 million of Ablrate loans and is soon to be joined with other platforms and debt originators in the next groundbreaking step.

[Zitah McMillan]

Zitah McMillan is the CEO and Co-Founder of Predictive Black, a machine learning software that helps larger SMEs transform their cash data into usable, useful intelligence.  Prior to founding Predictive Black, Zitah ran a large European lending business for a US VC firm.  She joined from the Financial Conduct Authority, the UK’s financial services regulator, where she had been on the Executive Committee as Director of Communications and International.  Zitah started her career in marketing, advertising and communications, working in large advertising agencies for blue chip global companies and in government communications.  In her spare time, Zitah has a long list of books on her reading list that she’s working her way through when her kids and dogs give her the time.

[Sergei Demchuk]

Sergei is an enthusiastic and passionate professional with more than 15 years of experience in banking and non-banking lending. He has started his journey in the lending market as a loan officer for SMEs in Procredit Bank Ukraine and successfully built his knowledge to take a senior managerial position in Swedbank, a leading Nordic-Baltic banking group based in Stockholm, Sweden. During years of working in multiple banks, Sergei has gained solid experience in lending business, financial analysis, and credit risk assessment.

In 2013 he joined financial group Mikro Kapital specialized on SME lending. He launched the company from scratch and developed non-banking lending organizations in Moldova, Romania, Armenia. Later, Sergei became Vice President of Mikro Kapital, supervised several subsidiaries of the holding in Eastern Europe and Central Asia. During 6 years in Mikro Kapital Sergei gained international in-field experience in emerging markets – lived and worked in 4 countries (Ukraine, Russia, Romania, Moldova), frequently visited developing markets in Eastern Europe, Caucasus and Central and South Eastern Asia.

Since 2019, Sergei has been CEO and partner of Latvian fintech start-up Debitum – a regulated debt marketplace for European SME’s and investors. Also, Sergei is a speaker on different lending and fintech conferences. His passion is fintech, innovations, and alternative lending for SMEs.

[Juancho Arregui]

Juancho Arregui (Madrid 1972), Digital Humanist, Architect, Artist and Entrepreneur.

He is an architect by the Superior Technical School of Architecture of Madrid from the UPM in 2003, graduated in Fine Arts by the UCM in 2013, and Master in Contemporary Art Criticism and Visual Culture by the Faculty of Philosophy of the UAM in 2016.

As an entrepreneur he has been selected to present his project in numerous startup competitions and in 2018 he won the first prize in the Blockchain Day of Connector in Barcelona and his former startup, brickfunding.com, was accelerated at the Connector Startup Accelerator program in Madrid.

His awards and grants as architect and artist include the Grant of the Royal Academy of Spain in Rome (2014); the Aid to Production in Visual Arts of the Community of Madrid (2012); the Production Grant for the Granada Biennial (2011); the First Prize in the painting competition of the International University of Andalusia (2011); the Production Grant for the call Tentaciones at Estampa Fair in Madrid (2011); or the First Prize in the architectural competition for the rehabilitation and adaptation of buildings 8 and 9 of Matadero Cultural Center in Madrid (2009).

He is also an expert in UX and FullStack Developer (JavaScript, NodeJS, Express, TotalJS, Angular, and MongoDB), passionate about Blockchain, and a fan of electronics and the maker world.

[Martynas Stankevicius]

Martynas Stankevicius is a Business developer (strategist) with experience working in a boutique and corporate environments. Excited about developing new products, upgrading business operations, solving problems and getting things done in a different way.

[Jatin Ondhia]

Jatin Ondhia- CEO, Shojin Property Partners

After spending 12 years with UBS Investment Bank Jatin set up the Shojin Group to provide direct investment opportunities in real estate, connecting UK property developers with global capital.  In 2017 the business launched a regulated online investment platform to provide the same deals to the global mass-affluent and retail market.  

[Igors Puntuss]

CEO and a co-founder of Bulkestate crowdfunding platform. 

For many years, Igors has been active in the real estate field, and since 2016 has successfully led his real estate crowdfunding platform and development projects. Igors manages and monitors Bulkestate day-to-day business activities along with his team and cooperation partners.

[Edgars Ivanovs]

Edgars Ivanovs is an innovator with an expertise in real estate and urban development. 

Edgars is a co-founder and an Investment Architect at real estate investment firm VILIA, managing investments in several development projects in Riga, Latvia with total investment volume above EUR 40M.

[Nikita Goncars]

Nikita Goncars is the CEO of LendSecured and the Co-Owner of Latvijas Hipotēka.

Nikita has 10 years of experience in mortgage lending within the Latvian market. In 2011 he became the Co-Owner of the nonbank mortgage lender, Latvijas Hipotēka, and in 2012 he got his bachelor's degree in finance from BA School of Business and Finance.

Since 2019 Nikita has been working as the CEO of LendSecured, a crowdfunding platform that is focused on financing the agricultural sector.

[Janis Timma]

Janis Timma is a co-founder and CEO of the CROWDESTOR crowdfunding platform since 2017. 

Prior to that, Janis has worked in the BDO Latvia (2011-2018), responsible for the Energy Sector. From 2013 until now, he is the Chairman of the Board in the Combined Heat and Power Plant Association of Latvia. In 2015 and 2019, Mr. Timma has founded and owns two biomass plants in Riga, Latvia.

Janis is very active in the day-to-day activities of CROWDESTOR, enjoys communicating directly with investors, and is very attentive to feedback.

[Tanel Orro]

Experienced Chief Executive Officer with a demonstrated history of working in the financial services industry. Skilled in Customer Relationships, Sales, Investments, Business Strategy, and Financial Analysis. Strong business development professional with a Bachelor's degree focused in Business Administration and Management, General from Estonian Business School.

[Narinder Khattoare]

Energetic and performance driven Business professional. Commercially aware with a career spent in the Financial Services arena, accustomed to operating and delivering in structured, high profile, high pressurised environments often under significant business change.

[Jan Angel]

Business Development Manager at Max Property Group

Jan studied international trade at Rotterdam Business School and has experience working as an international Anti Money Laundering and Know Your Customer manager.

Now Jan is working as a Business Development Manager at the real estate crowdfunding platform, Max Crowdfund.

His colleagues describe him as a very hard-working individual that enjoys taking on new challenges. 

[Jan Vecerka]

Jan is an enterepreneur with expertise in technology, financial and operational management, startups, commercial real estate and proptech. He enjoys building projects from scratch and developing new ideas. He is a co-founder of Data4You, organization focused on building digital society, providing coding education to career-changers and developing startup ideas. Jan is passionate about working with smart people to build a technology company. 

Before founding Data4You he previously acted in several executive and specialist roles in the corporate world. Jan was responsible for execution of commercial real estate and banking projects.

[Jana Vecerkova]

BrikkApp and Coding Bootcamp Praha founder. 

In 2011 Jana got her Bachelor of Science Honours degree in business studies from Cass Business School and in 2012 a Masters of Science degree in European Political Economy from London School of Economics. Jana has experience working as an analyst, sales manager, and director. 

In 2018 she Co-Founded a one-stop shop for real estate crowdfunding, BrikkApp.

[Tobias Lindner]

Tobias Lindner is an author, private investor, and online entrepreneur.

In 2007 Tobias got his Bachelor of Arts degree in Economics from Hamburg School of Business Administration (HSBA). He is an experienced podcaster and author who works as a Logistics Manager for a big European retailer.

Tobias runs a blog "P2P Lending at It's Best" where he talks about all things related to P2P investments.

[Liza Aizupiete]

Liza Aizupiete is the Managing Director at Fintelum, a European-based token launch (ICO and STO) platform.

Liza has extensive experience in traditional fund management, and is also an experienced blockchain entrepreneur, having successfully launched and raised capital (ICO) for Globitex where she was a Co-Founder and Managing Director.

[Arturs Geisari]


After getting his Bcs in Economics, and Business Administration from Stockholm School of Economics in Riga, Arturs has worked extensively in fintech. 

Arturs has fundraised 56m EUR for 1000+ international SMEs, advised 100+ Baltics Companies, and Founded 10 Start-ups & Invested in 4 Businesses.

[Juris Grisins]

Manager at non-bank financing provider platform, Capitalia.

Juris background in investment banking and venture capital fund management. 

[Karsten Wenzlaff]

Karsten Wenzlaff is the founder of the Institute of Communications for Social Media, a Berlin-based research facility for new forms of electronic technology. He has received an MPhil in International Relations with a thesis on international financial regulation from the University of Cambridge (UK). 

His research focus is Alternative Finance, FinTech, and Crowdfunding, particularly Civic Crowdfunding and Corporate Crowdfunding. He teaches undergraduates and conducts his research at the University of Hamburg at the Chair for Digital Markets. He is also a research affiliate with the Cambridge Centre for Alternative Finance at the Judge Business School and the European Centre for Alternative Finance at the University of Utrecht. Karsten also teaches Master Students at the University for Applied Sciences in Bremen and FinTech Regulators in the Executive Education Program on Fintech and Regulatory Innovation of the Judge Business School. 

[Ramona Miglane]

Ramona Miglane is the partner of 𝐝𝐫𝐢𝐥𝐥. law firm. Their team offers high-quality, out-of-box, and result-orientated legal solutions in the FinTech and Banking and Finance practice areas, as well as consulting to start-ups and scale-ups such s crowdfunding platforms, alternative payment solution providers, and other FinTech.

[Anatolijs Putna]

Chief Operating Officer at CROWDESTOR

In 2016 Anatolijs finished his Bachelors in Economics and Business at Stockholm School of Economics in Riga and from 2015 to 2019 has worked as a private banker and investment specialist. And now Anatolijs is the COO of the crowdfunding platform, CROWDESTOR.

Anatolijs is a team player and always keeps an open mind, since he believes two heads are better than one.

And now Anatolijs is the COO of the licenced peer to business platform, Debitum.

[Atuksha Poonwassie]

Atuksha manages Simple Crowdfunding, a property investment platform offering both equity and peer to peer lending opportunities.  She is a Director of the UK Crowdfunding Association, and regularly engages with policymakers and the regulators to advance this marketplace for all sectors.   

She is the 2017 national Venus ‘Influential Woman of the Year’ award winner and is recognised in the P2P Finance News' Power 50 in 2019, 2020 and 2021 (making the top 10 cut over the last two years).  This list highlights the 50 most influential people in P2P. 

Atuksha is also a huge fan of Customer Relationship Management (CRM) and data analytics, having run a CRM consulting business for 15+ years prior. Being a firm believer in building a strong community and customer base, she uses her expertise to help property professionals raise finance, build a crowd, and stand out in the market, whilst providing better access to the UK property market to everyone.

[Ali Celiker]

Ali is the founder and Chief Executive Officer (CEO) of British Pearl. He is an experienced financial professional and entrepreneur and has spent the last 20 years in financial services. He thrives on building innovative businesses with inspirational people and is principally interested in the alternative finance market (AFM), with a focus on Equity and Debt based investment platforms. 

[Yelena Zhovnikova]

I love assisting teams and individuals in achieving their best possible performance. Reach out to me should you need help in developing your company strategies, reshaping your business models and/or clarifying your financial outlook. I’ve advised and mentored companies on financial and business topics in Estonia, Latvia, Georgia, Belarus, Ukraine,

[Peteris Ozols]

Who is the speaker? This is where you will find a bio to outline speaker's credentials and the unique perspectives they will bring to the conference. 

[Karlis Levensteins]

Who is the speaker? This is where you will find a bio to outline speaker's credentials and the unique perspectives they will bring to the conference. 

[Linas Rajackas]

CEO at Kaiserex Cryptocurrency exchange & OTC desk 

Linas has been a cryptocurrency miner and has ran his own crypto mining pool. He is a Information Technology enthusiast with 10 years of expertise in SEO link and strategy building. Linas also is a board member and a investor, investing in crypto and various SEO optimized websites in order to create passive income.

In 2015 he got Bachelor degrees in Environmental Science and Psychology from Vytautas Magnus University.

[Dmitrijus Borisenka]

An enthusiastic entrepreneur with 10 years of experience in multiple ventures, Dmitrijus is involved in the crypto sphere since 2012 as an investor and Blockchain evangelist. He cannot imagine his life without endurance challenges, morning coffee & electronic music. At CoinGate, Dmitrijus is the one leading our product vision and strategy.

[Rytis Bieliauskas]

I have been interested in Bitcoin technology (also known as "Blockchain technology") since 2011. Most of my free time is spent studying Bitcoin technology and popularizing it. 

My other interests include computer security, social engineering (how to protect against it), cryptography, transhumanism, bionic technologies, human augmentation, artificial intelligence.

[Kevin Murcko]

A thought leader in FX, Crypto, Blockchain and Financial Regulation focusing on removing barriers and bringing real substantive change to capital markets globally. Kevin does not just talk the talk, he actually walks the walk, frequently advising regulators and government bodies on matters relating to applying current regulations to new financial markets and instruments, regulatory sandboxes, and related topics. 

As the founder of CoinMetro, a co-founder of Ignium, and a founding board member of the European Crypto Association he is now looking to help shape a tokenised future. 

Kevin Murcko is a known face in the retail FX world, his company FXPIG was a pioneer in bringing transparency to retail FX, garnering him the unofficial title of one of the most transparent CEOs in the financial industry.

[Andrius Bartminas]

Andrius is Chief Executive Officer as well as blockchain researcher at SUPER HOW. He is a passionate blockchain visionary and a prominent business development professional with a passion for new technologies and innovations. Andrius has proven experience in the field of international business development, negotiations, international relations as well as working experience with governmental institutions. Andrius has more than 10 years of experience working in large-scale innovative projects such as building Lithuania’s archive for electronic documents, or digitisation project of Lithuanian documentary archives. More than 4 years he was leading the team of researchers and developers working with e-Health (e-prescription, electronic medical records, e-patient and etc) e-Government (electronic services, electronic documents and registers and etc.) and e-Democracy (e-Municipality voting, public records databases and etc.) projects in Lithuania. Currently, he is an active participant of governmental and institutional working groups setting the regulatory framework in Lithuania and the European Union in blockchain and digital assets adoption process. Andrius also holds the Blockchain Business Analyst Certificate and had done several research papers on Blockchain topic. As an expert in his field at New Capital, Andrius works with projects that are beneficial to mankind and have considerable transformative potential.

[Reimo Hammerberg]

Reimo is co-founder and CEO of Ignium, a company connecting issuers with investors by enabling issuing, custody and global settlement of digital securities. Prior to founding Ignium Reimo has been partner with Sorainen for more than 13 years and built a leading capital markets and financial services practice and over the last years been deeply engaged in FinTech and blockchain projects and companies. Reimo has over the years held several board seats in regulated companies. He is recognised by most leading legal directories as leading expert on the market and has strong entrepreneurship and business development skills.

[Gytis Trilikauskis]

Marketing Lead at Howdoo

Obsessed with DeFi, Flash loans, MEV and the blockchain economy.

Marketing and communications specialist with 5+ years of experience in working remotely as well as leading teams.

Economics analyst with an in-depth background in both Macro and Microeconomics.

Co-Owns multiple businesses.

[Ari Last]

VP Business Developer at Simplex 

Ari has 20 year expertise business development and in International sales.

Now Ari works for Simplex, an EU-licensed financial institution, providing the fiat infrastructure for the crypto industry.

[On Yavin]

On Yavin is a serial entrepreneur, lawyer, and angel investor. Over the years he has established and built several successful companies, and invested in and mentored many others. In 2017, he joined the blockchain industry with the founding of Cointelligence. Since then, through Cointelligence he has provided the industry with valuable research and education. At the start of 2021 he launched Cointelligence Fund, a fund-of-funds dedicated to digital assets, where he serves as Managing Partner.

[Euclid D'souza]

Co-Founder & COO at Provence Intelligence 

Euclid has extensive experience working as a cryptocurrency social media manager and a crypto content writer. He is very passionate about trading and analysing market conditions to predict future trends.

Now Euclid spends his time trading and working for Province Intelligence where they provide cryptocurrency market intelligence in the form of reports, appraisals, and news aggregation. 

[Vitalijs Zalovs]

CEO of the crowdlending platform, Esketit

Vitalijs is a Resourceful manager who is keen on filling the void that exists in today’s online financial marketplace; keeping up-to-date with constantly evolving fintech solutions to benefit both existing and prospective clients. Delivering a combination of portfolio management, complex banking operations, financial analysis, cash management, loans, and general project management. Vitalijs possesses good organizational skills that enable him to meet academic timelines, in both group-based projects and independent assignments.

A credit specialist that is known for commitment, achievement, and high level of accuracy using ethical work standards and international skill sets. With 9+ year’s ongoing experience, Vitalijs has been developing his expertise in various roles to achieve productive accounting, finance, and human resource skillsets.

[Kimmo Rytkonen]

With over 15 years of experience in consumer lending and fintech, Kimmo has successfully founded, managed, and advised several fintech companies and has a strong understanding of what it takes to build a data-driven B2C business and how to achieve scale and profitability fast. He is keeping up actively with the peer-to-peer industry and developments in embedded finance. 

Kimmo is the founder and CEO of Income, the next-generation peer-to-peer marketplace that is introducing a new standard of investor protection to peer-to-peer.

[Thomas Kralow]

Thomas Kralow is a well-experienced trader with 7 years of trading under his belt and has made just over $9 million in verified net profits by day trading. 

In 2020 Thomas gained popularity with his successful university grade trading education programs (Thomas Kralow Trading Academy). He believes that day trading is a business and should be treated as such. Like in a business, you need the right information and guidance and someone to make you apply your knowledge practically.

Thomas's day trading journey began when he was in the US applying for a law school. There he met a Private Fund manager from Switzerland who later became Thomas's mentor.

These days Thomas has different goals in mind like starting a hedge fund, donating to charity, growing his businesses, and eventually becoming a billionaire.

[Viktorija Cijunskyte ]

Founder & Chair of the Board at Profitus.

Prior to founding the crowdfunding and investments platform, Profitus, Viktorija worked as Head of investments for a real estate development company.

Viktorija has Bachelor's degree in Economics from Vilnius University, and Master's in Business/Managerial Economics from ISM University of Management and Economics.

[Kaspars Peisenieks]

Independent personal finance expert from Latvia.

He has a Master's degree in International Finance and Banking from the School of Banking, an MBA from the SBS Swiss Business School and a certificate in financial analysis from the CFA Institute. 

Kaspars runs a blog called Peisenieks where he talks about personal finance topics.

[Felix Bock]

Felix currently works as Head of Customer Solutions at Teylor AG, a Swiss technology company focused on building better financial products for small businesses in Europe.

In addition, Felix is active with his company FKB FinTech Consulting and advises start-ups and FinTechs in the areas of sales, product and scaling.

Felix Kristopher has worked in banking and investment banking for 7 years and has been in leadership positions for 5 years. For CrossLend he built the Data Suite/Portfolio Manager for originators and institutional investors.

[Roberts Lasovskis]

Leading the TWINO Investment platform. Roberts main duty here is to make things happen in the right direction both for us and our investors. Our investor base has grown to nearly 30,000 and they have funded more than EUR 900 million worth of loans.

Previously, Roberts worked for Marsh & McLennan Companies, which is a global leader in insurance consulting and risk management. Roberts was mostly focusing on such insurance lines as Professional Indemnity (mostly IT), Cyber Risk, Property Damage and other Liabilities.

Looking even further back, Robert was an Economist/Financial Analyst at Dukascopy Bank SA, where He analyzed financial markets with a deep focus on currencies. Day-to-day activities consisted of technical analysis, market research, lots of presentations, and discussions with industry experts/professionals.

[Inese Lazdovska]

Inese Lazdovska

General Counsel and Chief Compliance Officer at Mintos

Inese has Masters Degree in Law from Latvijas Universitate, Masters of Business Administration MBA from Riga Business School, Masters of Laws from The London School of Economics and Political Science (LSE).

Inese has extensive experience working as Attorney-at-Law and General Counsel in banking and finance.

[Laura Erkske]

Experienced legal professional with an in-depth knowledge of over 15 years in the financial and capital markets industry.

Skilled in Legal & Compliance, financial and capital markets and regulatory affairs, all types of lending and financing and personnel management.

[Janis Laivins]

Janis is Chairman at Latvian Crowdfunding Association & Head Of Legal at LendSecured .

For 7 years, Janis worked in Latvijas Hipotēka and was the Head Of Legal.

Janis Leading lawyer for LendSecured and its associated companies since 2013. Responsible for managing and implementing company’s legal policy, ensure compliance according to existing laws and regulations.

[Valerija Klimenkova]

Valerija Klimenkova is VIAINVEST platform lead. Her experience in fintech started at the platform’s mother company VIA SMS Group, in 2014. Through these years, Valerija gained knowledge and comprehension of investments as a support and product team member. With her extended insights into the industry, she is a driving force for VIAINVEST development. 

[Aleksandr Pirh]

Alex is a Co-founder & Managing director at Tribe Funding - A Crowdfunding Marketplace created to empower people around the world to build an investment portfolio in crowdfunding in a simple, secure, and efficient way. 

Prior to launching Tribe, Alex has held various positions in P2P investment initiatives, including roles as a research analyst, partnership executive, business development manager, and product owner.

[Arturs Kostins]

Arturs Kostins is the CO-Founder & CEO of the Altero group working in the Baltics. Arturs has Co-founded 30M+ worth startups from scratch, Sold 200M EUR consumer loans on the Altero platform, Served 200k customers loan comparison.

Arturs has experience of 13 years in the finance industry from which 8 years have been spent in banking and 6 years in fintech.

Arturs is a Real Estate professional with a BSc in Economics, MSc in Finance and banking. Also, Arturs is a Ph.D. candidate.

[Arturs Abols]

Arturs has graduated Latvias University of Life Sciences and Technologies in the agricultural field, he has worked hands-on with farmers for more than 4 years.

At the end of 2021 he joined LendSecured team as the customer support specialist and in 6 months has become the main point of contact for all platform investors. 

[Auré Fauconnier]

Aure is the Chief Marketing Officer of LandEx. He holds an MSc in business economics and management and another MSc in political science. 

After an internship at the European Commission, Aure moved to Estonia where he worked for the transportation startup Bolt for a short time before joining LandEx in January 2022. 

In his free time, Aure likes to read books and writes articles online.

[Martynas Cimbalas]

Project manager at Letsinvest

Martynas handles everyday operations of the platform as a project manager. With his background in economics and finance, Martynas leads a team responsible for financial analysis, risk assessment, and bringing new projects to the platform. He also contributes to building and maintaining investor relations since the human touch is a top priority at the company. 

Martynas joined the Finfellas community during the second Real Estate Lending conference. He participated in panel discussions related to the impact of Russia’s aggression in Ukraine on the real estate sector and the best practices for evaluating real estate projects.

[Yonko Chuklev]

Yonko is the Chief Operations Officer of the P2P marketplace Afranga. He was part of the management team which founded the platform and helped it scale its operations. His previous professional experience includes working between Sofia and London, and he has also worked on projects in New York.

Yonko holds a Master of Laws degree from Sofia University, and in 2015 he studied "Alternative Investments" at the London School of Economics. He has been a speaker at events such as TEDxSofiaUniversity, Robotics Strategy Forum, European Digital Week, Eastern European Gaming Summit and has participated as an economic and tech analyst in numerous media outlets in Bulgaria.

In his spare time, he enjoys climbing, hiking, football, dealing with robots and gadgets as well as playing chess and Bridge.

[Johan Oringher]

Johan is the CEO of Monestro P2P, originally from France and currently based in the Baltics, precisely in Tallinn, Estonia. Graduated both in Law from the Universite de Lorraine and Management in Strasbourg, Johan also holds certification in Islamic Finance from Ecole Supérieure des Affaires from Beirut and Fintech from the University of Oxford, where he acquired a deeper knowledge of Cryptocurrency, AI & Machine learning in Finance and Peer to Peer businesses industry. 

His professional career led him to live in France, the UK, the United States, Indonesia, and Qatar before coming to Estonia. He has wide experience in the Aviation industry and start-ups, such as Vice President at Airbus, President of RefundMyTicket, co-founder of Professionals.aero, and many others. 

Since Monestro's relaunch, Johan has been in the lead in making one of the best P2P platforms. Together with his team has implemented a smooth auto-invest feature, onboarded several loan originators, established a partnership with Wiser Funding for risk assessment data analysis and is soon to implement a secondary market and refer a friend Program. Aside from Business, Johan loves, Cooking, especially French cuisine, and can spend hours discussing this topic.

[Henrijs Jansons]

Henrijs is CEO of Debitum – a digital private bank that accelerates small and medium businesses by using the technology of p2p. Retail and professional clients are offered investments in bond-like financial instruments – Asset-Backed Securities. 

Before joining Debitum Henrijs worked in a Business Development role in one of the biggest debt collection and creditworthiness companies in Latvia that were part of listed B2Holding ASA group. Previously, Henrijs has also held operational and managerial roles in Fintech and IT industries. Fun Fact – Henrijs holds a professional truck driver’s license.

It's 2021, and the future is together with Finfellas. Whether it's €500/month on the side or €100,000/month alternative finance deals or even equity investments or pensiontech it's easier than ever to draw a passive income longterm and we are here together for each other and all knowledge & experience you can take down to earh with you.