1989, degree in Electroacoustic and Ultrasonic Equipment, Department of Electro Optical Equipment, Moscow Institute of Radio Electronics and Automation; 1995, degree in Banking and Insurance, Department of Banking and Insurance, Russian Financial Academy. 1989-92, Engineer, Head, Computing Centre, Ministry of Shipbuilding; 1993-96, Vice-CEO, Moscow Petrochemical Bank; 1996, General Director, FEA-Invest, a Russian economics association; 2001, General Director, Otkritie, formed after merger of FEA-Invest and brokerage company; since 2004, Chief Executive Officer, Otkritie Financial Corporation.