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Kristof Harmat is an experienced IT professional with a diverse background in software development and systems architecture. Currently serving as the Head of E-Channels and CRM Applications Development at CIB Bank since March 2018, Kristof has previously held positions as Information Technology Architect and Lead Java Developer. Prior roles include Senior Developer at W.UP Kft., Technical Lead at Misys, and Software Engineer at IND Group, where significant contributions were made to various systems, including loan systems and authorization systems in J2EE. Kristof also worked as a Business Consultant at Loxon Solutions, specializing in Basel II market risk systems, and was a Software Engineer at Dresdner Kleinwort Wasserstein, focusing on risk management systems in C++. Academically, Kristof holds a Master's degree in Programming and Mathematics from Eötvös Loránd University and completed a scholarship program in Computing Science at Radboud University.