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Dariya Khavina is a seasoned finance and risk professional with extensive experience across multiple roles in various companies. Currently serving as a Risk Analyst at Bitpanda since September 2022, Dariya previously held positions such as Chargeback Specialist and Cross-border Payments Analyst at Payoneer from September 2016 to June 2022. Dariya's career includes roles as a Risk Analyst at ExtractNet, Project Manager in a freelance capacity, and Client Manager at QArea, demonstrating a robust background in IT-sales, client support, and team management. Earlier experience includes a Sales Manager position at Qualium Systems, Finance Manager at Zfort Group, and Senior Economist at Кредитпромбанк, contributing to financial activities, organizational planning, and banking services. Dariya holds a Master's degree in Economical Cybernetics from Kharkiv National Technical University "KPI" and has pursued further education at Technion - Israel Institute of Technology and Kaplan International Colleges.