Elena Koneva is an experienced manager of FICO’s International Scoring and Credit Bureaus businesses in 16 markets including Russia, CIS, Middle East, Northern Africa and Europe for the last 12 years. After receiving a degree in law (PhD, specific in intellectual property), Elena worked for 7 years with a leading credit bureau from the day 1 of its operations. During that time, she also participated in credit sector regulations drafting and national discussions for the banking sector in Russia. In addition to Law degree, Elena graduated Higher School of Economy as Stock market and investment specialist.