Eerika Vaikmäe-Koit - Management Boad Member, Head of Retail Banking and Technology Area of SEB Estonia. As Head of Retail, Eerika is responsible for development and everyday management of all distribution channels of the bank (branches, Contact Centre, Internetbank etc) as well all business and product development, service management, PR and marketing and risk management of the bank. Eerika has been working at SEB for the past 20 years, leading different functions of the Bank – e.g. HR and Staff Functions, International Banking, International Venture Office, Investor Relations etc. SEB Estonia has been successful in being in forefront of combining high customer focus and service design principles with multichannel approach and digitalisation best practices to change customer behaviour and drive innovation in the market.