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Sandra Horma is an experienced professional in financial crime operations, currently serving as the Lead of Strategy at Wise since June 2015. In this role, Sandra oversees the strategy for crime fighting within Financial Crime Operations, emphasizing scalable, risk-based solutions and innovative technology applications. Previous positions at Wise include Head of Fraud Operations and senior lead roles in Fraud and Chargeback operations, where Sandra managed financial crime risks and operational strategies. Prior experience includes working as a Technical Specialist at Maksekeskus AS, where Sandra handled transaction management and fraud prevention. Sandra also has a background in data gathering and project management, with roles at Eesti Statistikaamet and The Estonian Chamber of Disabled People. Sandra holds a Bachelor's degree in Sociology from Tallinn University.