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Tsovinar Harutyunyan is a Senior Investment Analyst at Symbiotics, focusing on the Caucuses and Central Asia since March 2023. Previously, Tsovinar held various roles at SEF International UCO from February 2013 to March 2022, including Risk Controller, where responsibilities involved leading the implementation of IFRS 9 and developing a system for assessing expected credit losses. Additional roles included Investor Relations Manager, managing relationships with local and international investors, and Treasurer at Yerevan State University. Earlier experience includes positions in risk management and analytics at ARARATBANK OJSC and Ardshinbank CJSC, alongside internships at ArmSwissbank and IMEX GROUP Armenia. Tsovinar holds a Master's degree in Actuarial Mathematics (Risk Management) and a Bachelor's degree in Economics from Yerevan State University.