Kristo Käärmann

CEO at Wise

Greater London, England, United Kingdom

About

Financial services enterpreneur, ex-consultant with a computer science and maths background. Enjoys making something out of nothing. Specialties: Retail finance, online services, data warehousing, cloud computing, risk management, insurance, actuarial modelling and regulation.

Experience

  • Founder and CEO at Wise Ltd.
    May 2011 - Present · 15 yrs 4 mos

    Wise, formerly TransferWise, is an online currency exchange and payments service that allows people to exchange currency using mid-market rates for a flat fee. Banks take 3%-6% of your currency exchange transaction as fees - Wise allows you to bypass that using transparent interbank rates.

  • Manager at Deloitte
    Jan 2007 - May 2011 · 4 yrs 5 mos

    Specialised in actuarial modelling systems, implementations and delivering systems, tools and data environments for clients' finance, risk and actuarial departments. Led the firm's technology approach to help clients with management information and systems architecture challenges in response to the Solvency II regulatory requirements.

  • Associate at Tartu University
    Aug 2005 - Jan 2007 · 1 yr 6 mos

    Organising company and university partnerships: - software development competition Winter of Code - software engineering courses Lecturing - data warehousing and business intelligence

  • Consultant at PwC
    Oct 2004 - Jan 2007 · 2 yrs 4 mos

    Analysis and design of management information systems for retail banking clients.

  • Systems/data architect at EGeen
    Jan 2003 - Oct 2004 · 1 yr 10 mos