Klara-Lise Aasen

Branch Manager & Branch Director Credit Risk & Analytics

Ms. Aasen is Branch Manager in Bank Norwegian following the merger between Bank Norwegian and Nordax Bank AB (publ). Prior to this, she has held position as CFO between 2020 to June 2022, interim CEO from June 2021, and CEO between November 2021 and out November 2022. From December 1st, Aasen also holds position as Branch Director Credit Risk & Analytics. She has more than 15 years of financial services experience and has prior to joining Bank Norwegian Aasen held position as Executive Vice President and Head of Group Financial Management in DNB from (2017-2020) and executive management positions in Nordea from 2006-2017, the latest four years as Global Head of Group Credit Risk and Financial Reporting Control and the previous four years as CFO for Nordea Bank Norway. Prior to joining financial services, she worked in external audit, latest as Manager in EY (Ernst &Young). Previous board member in Nordea Life Holding, Nordea Pensionfund, DNB Northern Europe, and DNB Life Insurance. Born in 1974.

Education: State authorised Public Accountant (Master of Audit), Norwegian School of Economics, Bergen, Norway.

Other on-going principal assignments:
Board member in Veidekke ASA

Mats Benserud

Chief Financial Officer

Mr. Benserud has been employed as Chief Financial Officer since May 2022 and has more than 15 years of experience within financial services. He held the position as Head of Treasury in Bank Norwegian from 2018. Prior to joining Bank Norwegian, Benserud has held positions as Business Controller (CFO) in OBOS-banken and CEO OBOS Boligkreditt AS, Senior Associate and Equity analyst in SpareBank 1 Markets, and several positions in SpareBank 1 Gruppen AS. Born in 1983.

Education: Master of Economics and Business administration, major in Finance from Norwegian School of Economics. AFA, Certified European Financial Analyst from Stockholm School of Economics, and Fixed Income Analyst programme from the Norwegian Society of Financial Analysts.

Other on-going principal assignments: None.

Tore Andresen

Chief Operating Officer

Mr. Andresen has been employed as COO in Bank Norwegian since 2009, and has more than 30 years of financial service experience. Prior to joining Bank Norwegian, Mr. Andresen worked as Managing Director at Aktiv Kapital Norge (2007-2008) and Managing Director at Lindorff Decision (2001-2006). Mr. Andresen has also experience of board assignments, hereunder as board member of Lindorff Match AS (2005-2006), board member of Aktiv Kapital Danmark AS (2007-2008) and chairman of the board of Aktiv Kapitaladministrasjon AS (2007-2008). Born in 1965.

Education: Associate degree in business administration, Norwegian School of Economics.

Other on-going principal assignments:
Chairman of the Board of Valorem Invest AS
Member of the Board: Agera Venture 1 AS

Karstein Holen

Chief Information Officer

Mr. Holen has been employed as Chief Information Officer (CIO) in Bank Norwegian since March 2020, and has more than 20 years of experience working with IT within financial services and telecom. Prior to joining Bank Norwegian, Mr. Holen worked 12 years in various IT positions at Norges Bank Investment Management (NBIM), most recently as Head of IT for the Real Estate investment branch in NBIM. Earlier assignments include DBA at NetCom (1999-2007) and database developer at EDB-Konsulent AS (1997-1999) and ATM AS (1995-1997). Born in 1971.

Education: Bachelor's in computer science from Bergen College of Engineering and MBA from Edinburgh Business School, Heriot-Watt University.

Other on-going principal assignments: None.

Fredrik Mundal

Chief Marketing Officer

Mr. Mundal has been employed as CMO of Bank Norwegian since end of 2016. He has been with the Bank since 2007 in previous positions as Head of Customer Service and Product Manager of Credit Cards and as Head of Credit. He has 15 years of financial services experience. Prior to joining Bank Norwegian, Mr. Mundal was employed at SEB Kort Credit Department (2003-2007). Born in 1976.

Education: Bachelor's in business administration and IT, University of Agder.

Other on-going principal assignments: None.

Frode Bergland Bjørnstad

Chief Legal Officer

Mr. Bjørnstad has been Chief Legal Officer since May 2018. Until November 2021, he was Chief Legal and Compliance Officer. He has 16 years of legal commercial experience within privacy, compliance, financial services, IPR, marketing, commercial contracts, IT and tech. Prior to Bank Norwegian, Mr. Bjørnstad was a lawyer and legal counsel in EVRY (2011-2018), where he also was a member of the financial control committee for EVRY Card Service’s payment service. Earlier assignments include external lawyer in Føyen Torkildsen (2006-2011), Legal adviser in the Norwegian Data Protection Authority - Datatilsynet (2004-2006). Born in 1976.

Education: Cand Jur (Master of Law) University of Bergen

Benedicte C. M. Haarr

Head of Compliance

Ms. Haarr has been Head of Compliance in Bank Norwegian since 2020. She has close to 10 years of experience with compliance work within financial regulation, anti-money laundering, data privacy, IT, marketing, and insurance. Previous assignments include Compliance Manager in Eika Gruppen (2013-2017), and Compliance Manager in TietoEvry (2017-2020). Born in 1986.

Education: Master of Law, University of Oslo and Université Libre de Bruxelles. French Studies minor from Université Côte d'Azur.

Kai-Harry Hansen

Head of Risk Management

Mr. Hansen has been employed as Head of Risk Management of Bank Norwegian since August 2019. He has more than 10 years of risk experience from the banking sector. Prior to joining Bank Norwegian, Mr. Hansen was Risk Manager at SpareBank 1 Østlandet (2017-2019) and SpareBank 1 Oslo Akershus (2010-2017). Earlier assignments include working as a Risk Analyst at SpareBank 1 Oslo Akershus (2008-2010) and as a Corporate Trainee at SpareBank 1 Gruppen (2006-2008). Mr. Hansen has also been teaching Martial Arts (Aikido and Kenjutsu) regularly since 2001, and economics at high school as part of his Practical Pedagogical Education (2003-2004). Born in 1981.

Education: Master’s degree in Economics and Business Administration, University of Tromsø (UiT). Practical Pedagogical Education (Lecturer), UiT.

Merete Eikeseth Gillund

Head of Innovation and Strategic Projects

Mrs Eikeseth Gillund has been employed as Head of Innovation and Stratagic Projects since 2022. Previously, she was the Chief Information Officer of the bank from 2008 to 2020, and Head of New Markets from 2020 to 2022. Mrs Eikeseth Gillund has 20 years of experience working with IT within banking/finance, both technical and administrative, within credit cards (issuing and acquiring) and retail banking. Prior to joining Bank Norwegian, Mrs. Eikeseth Gillund was employed as Department Manager at SEB Kort AB (2004-2008). Earlier assignments include Senior Consultant positions in Exense ASA (2003-2004), Scope AS (2001-2003) and Database Consult (1996-2001). Born in 1969.

Education: Master of science in information technology, University of Stavanger.

Other on-going principal assignments: None.

Melita Ringvold

Head of Communication and Sustainability

Ms. Ringvold has been Head of Communication, Sustainability and Community Contact in Bank Norwegian since April 2021, and has more than 20 years of experience working with communication and sustainability. Prior to joining Bank Norwegian, Ms. Ringvold was Head of Communication and Sustainability in Entercard Group AB, where she led a Scandinavian team for 9 years. Ms. Ringvold has a varied background and has previously worked at Nordic Innovation under the Nordic Council of Ministers, Ministry of Transportation, The Norwegian Water Resources and Energy Directorate (NVE) and as a journalist in Oppland Arbeiderblad. Born in 1972.

Education: Master’s degree in Communication and Nordic Language from University of Oslo and a Master of Management, Commercialization and Innovation from BI Norwegian Business School.

Other on-going principal assignments: Chair of the Board and leader of Mortensrud Festival, deputy representative Oslo City Council, Grünerløkka Labour Party, Board member Business Unit/Policy unit Oslo Labour Party.