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Terje Kjøs is an accomplished executive with extensive experience in digital finance and project management. Currently serving as Senior Vice President Digital Finance at KMD since April 2022, Terje has also held key leadership roles at Banqsoft since August 2010, including CEO, COO, and Business Area Manager for Financial Solutions, managing product development across multiple units. Prior roles include Head of PMO Nordic at Santander Consumer Bank and various positions at EDB Business Partner focused on software development and project management. Terje's academic background includes education at The Norwegian School of Information Technology, BI Norwegian Business School, and a KMD Executive Development Program at the Technical University of Denmark from 2016 to 2017.