Robert Kossmann is a well-traveled internationally experienced banker with 33 years of retail and SME banking experience who has worked in 13 different countries throughout Central and Eastern Europe. He has spent the last 16 years working in Raiffeisen Bank International from 2004 to 2020 as Deputy Chairman of the Board for Retail/SME banking in Raiffeisen Bank Aval Ukraine and as the Head of SME Risk in Vienna, Austria.   In addition to being responsible for Retail and SME banking, Robert was CIO and COO for 3 years.   Prior to working at Raiffeisen, Robert was a Senior Developmental Banker working with the EBRD, World Bank, ADB and USAID on restructuring large financial institutions. Robert is currently active as a Fintech Angel Investor and Advisor & Mentor to multiple startups in Ukraine.