● Built and led a distributed legal & compliance function growing from 3 to 13 professionals — combining in-house lawyers across multiple jurisdictions, embedded specialists, and external counsel networks — as the Group scaled from 2 to 13 entities across 9 jurisdictions and 5 business lines ● Designed and continuously optimised legal workflows, internal processes, and cross-functional interfaces to support concurrent business launches across e-commerce, logistics, payments, and IT — without proportional growth in headcount ● Primary legal advisor and communication bridge between CEO, shareholders, and operational teams throughout tenure; translated regulatory complexity into actionable business decisions at group level ● Led team that obtained EMI Licence in Luxembourg; EU DSA and Product Safety Regulation compliance buildouts; B2B licensing framework in Brazil ● Strategic oversight of 2 major M&A transactions: investment into a Russian operating entity; sale of Luxembourg EMI to German acquirer ● Led cross-jurisdictional corporate restructuring for tax efficiency, including full redesign of the Group's LTI programme ● Managed multimillion-euro annual legal budget; directed legal strategy across significant disputes in Russia (full recovery of material funds), Denmark, and the Netherlands ● Built group-wide compliance framework: GDPR, AML/KYC, DSA, consumer protection, cross-border platform regulation

● Built a distributed, multicultural legal function from the ground up — 4 direct reports plus administrative oversight of in-country lawyers and external counsel across 11 markets (Indonesia, Philippines, China, Malaysia, Vietnam, India, Croatia, Macedonia, Poland, Mexico, Brazil) — before remote team management became standard practice ● Designed operating model combining in-house staff, local freelancers, and external counsel, calibrated to the regulatory and commercial reality of each market; maintained coherent governance and quality standards across all formats ● Secured financial licences in Indonesia, India, Philippines, and Macedonia through direct regulatory engagement; served as Nominated Director and primary regulator-facing representative in Indonesia and India ● Led end-to-end regulatory strategy and market-entry structuring across APAC, LatAm, and Eastern Europe — enabling simultaneous launches across materially different legal environments

● Built and led a 122-person legal department across five divisions — Corporate, Business Operations, Litigation, Compliance, and AML — including Head of Compliance, Head of AML, and three Heads of Internal Legal Divisions as direct reports ● Designed the department's structure, internal workflows, and cross-functional processes as the bank scaled from early-stage to a publicly listed institution; optimised for efficiency as regulatory and commercial complexity grew ● Key communication interface between the legal function, Management Board, CBR, and capital markets stakeholders — translating legal risk into executive-level decisions ● Preserved the CBR banking licence through the bank's highest-risk regulatory period — foundational achievement enabling growth and IPO ● Legal lead for TCS Group IPO on the London Stock Exchange (2013): prospectus risk section, regulatory disclosures, DD, coordination with international banks and counsel ● ~10 capital markets transactions: five Eurobond series, three Russian bond programmes, two syndicated loan facilities ● Deputy Chairman of the Management Board: executive governance, board-level reporting, senior management decision-making

● Closed two cross-border mortgage securitisation transactions — full legal workstream from structuring through execution ● Designed and launched full-cycle mortgage lending operations (origination through default administration and special servicing) ● Executive Board member (from Dec 2007); chaired Credit Committee providing legal and credit risk input at governance level