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Julieta Dabaghyan, PhD, has extensive experience in risk management and finance, currently serving as Deputy Head of Division at Ardshinbank CJSC since April 2013, after holding roles as Portfolio Risk Manager and Senior Market Risk Specialist. Additionally, Julieta has been a Lecturer and Teaching Assistant at Yerevan State University since September 2011. Previous experience includes a position as a Risk Analyst at Armenia Insurance ILLC from November 2015 to May 2017 and a Specialist role at Inecobank CJSC from October 2011 to April 2013. Julieta obtained a Doctor of Philosophy (Ph.D.) in Economics from Yerevan State University, along with a Master’s degree in Economy Modeling and a Bachelor’s degree in Economics from the same institution.