Arsen Melkonyan having served for 20 years at ACBA BANK OJSC, Armenia currently holds the position of a Deputy Chief Executive Officer on Business Operations Coordination. He started as a loan officer and over the years assumed different roles heading commercial loans department, development and marketing department, co-heading credit department, managing the very first branch in the capital city Yerevan, and leading the expansion of the Bank’s branch network. In 2013, ACBA BANK’s senior management took a strategic decision to revamp the Bank structure implementing major changes in all the functions of the financial institution. Arsen was at the forefront of these reforms as the Head of Development Department. He was overseeing Bank’s strategy development and control, new project implementation, and a new-comer to the local and regional market - non-financial services - for the corporate business line. Arsen Melkonyan holds a master’s degree in Economics from Yerevan State Economic University, Armenia. Between 2014-2017 he pursued a parallel academic career as an invited lecturer at Yerevan State University, Armenia, Faculty of Mathematics and Mechanics, where he worked with students specializing in Actuarial Mathematics. Arsen has academic background and professional practical experience in business planning, management, sales promotion, risk management, customer loyalty, and other areas as a result of decades of learning and working in a developing financial market.