Dedicated, highly-qualified banking & financial management professional with over 20 years of global business strategy and executive leadership experience. Subject matter expertise in digital payment services and sustainable transformation from “product-centric” to “customer-centric” approach. Effective communication skills, liaising with C-levels, senior management, and colleagues to ensure alignment with major corporate goals. Lyubomir is now involved as a Member of the Banking Stakeholder Group and Leader of the Technical Working Group “Payments, Digital, Fintech and Regtech in EUROPEAN BANKING AUTHORITY (EBA). He is also working as a Senior Lecturer in INTERNATIONAL BAKING INSTITUTE in Sofia, Bulgaria.