LHV Bank
Audrey Etienne is a seasoned professional with extensive experience in prudential risk management and regulatory compliance within the banking sector. Currently serving as Deputy CRO at LHV Bank since February 2025, Audrey previously held the position of Head of Prudential Risk at United Trust Bank Limited, where responsibilities included reviewing and challenging key prudential risk processes. Audrey's career includes roles at BNY Mellon focusing on liquidity risk and capital management, and at the Bank of England as a Senior Supervisor on the Technical Specialists team. Earlier positions at KPMG UK and Deloitte Luxembourg involved significant responsibilities related to ICAAP, risk management frameworks, and compliance with Basel regulations. Audrey Etienne holds a Master’s degree in Economics and Finance from the University of Luxembourg and a Bachelor's degree in Economics and Management from Université catholique de Louvain.
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LHV Bank
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LHV Bank, a fully licensed UK bank, specialises in Banking Services for global fintechs, SME Lending solutions for UK businesses and personal Savings in partnership with Raisin UK. The SME Lending division offers commercial real estate investment loans and trading loans from £0.5m to small and medium-sized businesses in the UK. As a leading Banking Services provider, LHV Bank delivers a wide range of services, including real-time multi-currency payments, accounts, acquiring, indirect scheme access, open banking, and FX solutions. Over 200 renowned fintech companies, such as Airwallex, Currencycloud, Truelayer, and Wise, utilise LHV Bank to serve more than 10 million end customers and access a pool of 500 million potential customers across the UK and Europe. LHV Bank gained its UK banking licence in May 2023 and intends to expand its offerings to e-commerce businesses and start accepting retail deposits later this year.