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Niko Tozija, currently Treasury Manager and Trader at Kathrein Privatbank AG, previously worked at Sberbank Europe AG as a Treasury Funding Planner and Liquidity Manager. Prior to that, Niko held positions such as Senior Financial Controller at VTB Bank (Europe) SE and Wind-down Coordinator at HETA ASSET RESOLUTION. Niko's background includes roles in financial controlling, analysis, and risk management. Niko holds a Master of Business Administration (MBA) in Finance and a Bachelor of Business Administration (BBA) from Webster Vienna Private University.