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30.06.2022
10:00–11:30
Protecting the Rights of Financial Consumers and Retail Investors: Striking a Balance
Congress Centre, conference hall D2
Broadcast
The Russian financial market is experiencing significant problems as it traverses the difficult path of adapting to new internal and external factors. Risks which may – or indeed, have – come to pass are affecting the financial figures of individual organizations and the sector as a whole. What’s more, they are affecting how well the market performs its main task – transforming savings and excess liquidity into investment in the real economy. In this environment, there is a great temptation to shift a number of problems onto the least-protected participants of the financial market, such as consumers of financial services, SMEs, and retail investors.
Moderator
Alexey Guznov
Secretary of State – Deputy Chairman, The Central Bank of the Russian Federation (Bank of Russia)
Panellists
Yury Voronin
Chief Financial Commissioner
Anatoly Kozlachkov
Vice President, Association of Banks of Russia
Evgeniya Lazareva
Head of the "For the Rights of Borrowers" Project, All-Russia People's Front; Member of the Expert Council for Consumer Rights Protection, The Central Bank of the Russian Federation (Bank of Russia)
Mikhail Mamuta
Head of Service for Protection of Consumer Rights and Ensuring the Availability of Financial Services, Member of the Board of Directors, The Central Bank of the Russian Federation (Bank of Russia)
Vazgen Mnatsakanyan
Principal Financial System Mediator of the Republic of Armenia
Front row participant
Mikhail Krotov
Judge, The Supreme Court of the Russian Federation
Broadcast
Alexey Guznov
Secretary of State – Deputy Chairman, The Central Bank of the Russian Federation (Bank of Russia)
Born on 18 June 1967 in Gorky.
Education
1990: graduated from the Lomonosov Moscow State University.
Candidate of Juridical Sciences (1994); Doctor of Juridical Sciences (2016).
Author of over 80 publications on the theory of law and financial regulation, including tutorials and monographs.
Career
1984–1985: Assembly Mechanic at the Gorky Institute Salyut, Gorky.
1985–1990: student at the the Lomonosov Moscow State University, Moscow.
1990–1991: Legal Advisor (contractor) at the Leisure Centre of the Oktyabrsky District, Moscow.
1991: Legal Team Leader at the International Association of Parliamentarians, Moscow.
1991–1992: Assistant to the Chairman of the Council of the Union of the USSR Supreme Council, Moscow.
1992–1994: Planning Team Leader, Deputy Chief of the Parliamentarianism Section at the Parliamentary Centre of the Russian Federation, Moscow.
1995–1997: Deputy Head of Section, Head of Section in the Banking Legislation Division of the Legal Department at the Bank of Russia, Moscow.
1997–1998: Deputy Head of the Division for Legal Support of Banking Operations of the Bank of Russia’s Legal Department, Moscow.
1998–2002: Deputy Director — Head of the Division for Legal Support of Banking Operations of the Bank of Russia’s Legal Department, Moscow.
2002–2014: Deputy Director of the Bank of Russia’s Legal Department, Moscow.
2014–2022: Director of the Bank of Russia’s Legal Department, Moscow.
Since 2022: State Secretary — Deputy Governor of Bank of Russia.
Member of the Bank of Russia Board of Directors (since 10 October 2018).
He holds the title of Honoured Lawyer of the Russian Federation; the medal of the Order ‘For Merit to the Fatherland’ 2nd class; awards of the Federation Council and the State Duma of the Federal Assembly of the Russian Federation; and awards of Russian ministries. Themis Award winner.
Education
1990: graduated from the Lomonosov Moscow State University.
Candidate of Juridical Sciences (1994); Doctor of Juridical Sciences (2016).
Author of over 80 publications on the theory of law and financial regulation, including tutorials and monographs.
Career
1984–1985: Assembly Mechanic at the Gorky Institute Salyut, Gorky.
1985–1990: student at the the Lomonosov Moscow State University, Moscow.
1990–1991: Legal Advisor (contractor) at the Leisure Centre of the Oktyabrsky District, Moscow.
1991: Legal Team Leader at the International Association of Parliamentarians, Moscow.
1991–1992: Assistant to the Chairman of the Council of the Union of the USSR Supreme Council, Moscow.
1992–1994: Planning Team Leader, Deputy Chief of the Parliamentarianism Section at the Parliamentary Centre of the Russian Federation, Moscow.
1995–1997: Deputy Head of Section, Head of Section in the Banking Legislation Division of the Legal Department at the Bank of Russia, Moscow.
1997–1998: Deputy Head of the Division for Legal Support of Banking Operations of the Bank of Russia’s Legal Department, Moscow.
1998–2002: Deputy Director — Head of the Division for Legal Support of Banking Operations of the Bank of Russia’s Legal Department, Moscow.
2002–2014: Deputy Director of the Bank of Russia’s Legal Department, Moscow.
2014–2022: Director of the Bank of Russia’s Legal Department, Moscow.
Since 2022: State Secretary — Deputy Governor of Bank of Russia.
Member of the Bank of Russia Board of Directors (since 10 October 2018).
He holds the title of Honoured Lawyer of the Russian Federation; the medal of the Order ‘For Merit to the Fatherland’ 2nd class; awards of the Federation Council and the State Duma of the Federal Assembly of the Russian Federation; and awards of Russian ministries. Themis Award winner.
Yury Voronin
Chief Financial Commissioner
Anatoly Kozlachkov
Vice President, Association of Banks of Russia
Evgeniya Lazareva
Head of the "For the Rights of Borrowers" Project, All-Russia People's Front; Member of the Expert Council for Consumer Rights Protection, The Central Bank of the Russian Federation (Bank of Russia)
Mikhail Mamuta
Head of Service for Protection of Consumer Rights and Ensuring the Availability of Financial Services, Member of the Board of Directors, The Central Bank of the Russian Federation (Bank of Russia)
Born: 29 September 1974; Voronezh.
Marital status: married.
Education:
1997 — Voronezh State University, Master of Physics.
2000 — Voronezh State University, qualification conferred: economist; major: Finance and Credit.
Candidate of Economic Sciences.
Speaks English
1997–1999 — Adviser, Administration of the Voronezh Region, Voronezh.
1999–2000 — Deputy Chief of Section, Main Department for Reserves, Consumer Market and Services, Administration of the Voronezh Region, Voronezh.
2000–2002 — General Director, the State Small Business Support Fund of the Voronezh Region, Voronezh.
2002–2004 — Director for Training and Regional Development, Acting Director, Director, Microfinance Centre Fund, Moscow.
2004-2014 — Director, Russian Microfinance Centre Fund, Moscow.
2007–2014 — concurrently: President, National Partnership of Microfinance Market Participants (Non-profit Partnership), Moscow.
2014-2016 — Head of the Main Office of Microfinance Market and Financial Inclusion Methodology, Bank of Russia, Moscow.
2016–2017 — Head of the Service for Protection of Financial Services Consumers and Minority Shareholders, Bank of Russia, Moscow.
2017 to date — Head of the Service for Consumer Protection and Financial Inclusion, Bank of Russia, Moscow.
Member of the Board of Directors, Bank of Russia (appointment effective 10 October 2018).
Marital status: married.
Education:
1997 — Voronezh State University, Master of Physics.
2000 — Voronezh State University, qualification conferred: economist; major: Finance and Credit.
Candidate of Economic Sciences.
Speaks English
1997–1999 — Adviser, Administration of the Voronezh Region, Voronezh.
1999–2000 — Deputy Chief of Section, Main Department for Reserves, Consumer Market and Services, Administration of the Voronezh Region, Voronezh.
2000–2002 — General Director, the State Small Business Support Fund of the Voronezh Region, Voronezh.
2002–2004 — Director for Training and Regional Development, Acting Director, Director, Microfinance Centre Fund, Moscow.
2004-2014 — Director, Russian Microfinance Centre Fund, Moscow.
2007–2014 — concurrently: President, National Partnership of Microfinance Market Participants (Non-profit Partnership), Moscow.
2014-2016 — Head of the Main Office of Microfinance Market and Financial Inclusion Methodology, Bank of Russia, Moscow.
2016–2017 — Head of the Service for Protection of Financial Services Consumers and Minority Shareholders, Bank of Russia, Moscow.
2017 to date — Head of the Service for Consumer Protection and Financial Inclusion, Bank of Russia, Moscow.
Member of the Board of Directors, Bank of Russia (appointment effective 10 October 2018).
Vazgen Mnatsakanyan
Principal Financial System Mediator of the Republic of Armenia
Mikhail Krotov
Judge, The Supreme Court of the Russian Federation