Lusine Gharagyozyan
Risks
Lusine Gharagyozyan undertook the position of the Chief Risk Officer at the Central Bank of Armenia starting from January 9, 2025. In her role, she is responsible for the ongoing identification, assessment, management and monitoring of non-financial risks and for the effectiveness of the Risk Management Framework. She acts as the secretary of the Risk Management Committee and is a member of the Executive Committee of the Bank.
Prior to this, Lusine developed extensive expertise in Regulatory compliance, financial reporting and Audit.
She served as the Head of Regulatory Compliance at HSBC Bank Armenia CJSC where she oversaw the implementation of Regulatory Compliance Framework, undertook risk stewardship activities for regulatory compliance risks and led the regulatory affairs, policy and regulatory engagement workstreams.
Before joining HSBC, she held audit managerial roles at Grant Thornton CJSC where she led and supervised audit assignments of the banks and other financial institutions, developing deep insights into financial reporting, risk assessment, internal control evaluation and audit methodologies.
At the beginning of her career Lusine held a Loan Specialist role at Areximbank CJSC.
Lusine holds an ICA Diploma in Governance, Risk and Compliance from Alliance Manchester Business School, an Advanced Diploma in Accounting and Business from the Association of Chartered Certified Accountants (ACCA) and a Master’s degree in Economics and Finance from the Yerevan State Institute of Economy. She is also a Certified Auditor of the Association of Accountants and Auditors of Armenia.