Management

Master of Economics, a current member of the Board of Zapad Bank, has 20 years of banking experience, which she gained by working at several Ukrainian banks. She started at Privat Bank, where she held various positions in the Card Payment Department. After that, she built her career for eight years at Pivdennyi Bank, working in crediting and credit analysis. She then continued her professional path at PJSC Bank Vostok, where she spent five years in the Risk Management Department as Deputy Director. In 2017, she joined the team at Zapad Bank AD Podgorica, leading its representative office in Odesa for the next five years. Afterward, she moved to Montenegro, where she assumed the head position of the Non-Resident Business Department at Zapad Bank. She was soon appointed as a member of the Management Board. Her extensive experience is backed by a degree in Economics and a Master's in Economics from Odessa State Economic University in Odesa, Ukraine. She speaks English and Montenegrin fluently.

She graduated from the Faculty of Economics, after which she earned her master’s degrees from University College London and the University of Helsinki. She has built her professional career in several Montenegrin banks that are members of leading banking groups from the European Union, where she gained extensive experience in the financial sector, risk management and corporate governance, holding senior positions in the areas of internal audit and sales.

Vesna Kovačević, Master of Economics, previously the Director of the Finance Department at Zapad Bank, began her professional career at the Tax Administration of Montenegro, in the Information Systems Department, focusing on revenue accounting, tax declaration processing, and submissions. She then moved to Universal Capital Bank AD Podgorica, where she held significant positions in the Accounting, Financial Reporting, Planning, and Analysis Department for over seven years. In April 2015, she took on the role of Finance Director at Zapad Bank, a position she successfully held for nine years until she was recently nominated as a member of the parent company's Management Board, Zapad Bank AD Podgorica. Her extensive experience in finance and accounting is backed by a degree from the Faculty of Economics in Podgorica and a Master’s degree in International Economics. She speaks English fluently.

Dmytro holds a Master’s degree in Banking and has extensive experience in international banking. He began his professional career at Public Joint-Stock Bank “Prominvestbank” in Ukraine, where, from 1995 to 1997, he worked as an economist specializing in international payments and documentary letters of credit. Over the next fifteen years, he developed his career at Joint-Stock Bank “Pivdennyi,” holding positions from economist to Deputy Director of the Treasury and International Business Department. From 2012 to 2015, Dmytro served as Head of the Financial Institutions and Trade Finance Department at PJSC “Bank Vostok,” after which he was appointed as a member of the Bank’s Supervisory Board.

Since March 2015, he has been part of the management team at Zapad Bank AD Podgorica, serving as Executive Director.Dmytro brings over 30 years of experience in commercial banking, including more than 20 years in senior management roles, with over a decade as a member of bank governing bodies.

His educational background includes a degree in Chemistry from Odesa State University and a Master’s degree in Banking from Odesa State Economic University, Ukraine.