Nina Mojsova Kjoseva, who is a founder and serves as a member of the Board of Directors, has professional experience of 14 years, out of which 8 years in the pharmaceutical industry and 6 years in the banking industry, where she currently works in SPARKASSE BANK MAKEDONIJA AD SKOPJE, member of the SteiermarkischeSparkasse Group. She completed her undergraduate and Master studies (Master thesis entitled: “Funds Transfer Pricing in Banking“) at the University “Ss. Cyril and Methodius”, Faculty of Economics in Skopje. She attended many training seminars, conferences and has published academic papers related to financial system and macroeconomics. She is currently enrolled at the PhD program at the Cracow University of Economics in Poland, doing research in the field of financial stability, financial cycle, sovereign risk and macro-prudent policy in the SEE countries.