Our story
Tuum’s story begins in Estonia, a country that has transformed into being recognised as the most advanced digital nation in the world. In this digital society, five Estonian banking technology pioneers launched a modular core banking platform that is API-first, cloud-agnostic and highly configurable without coding. Combining business know-how with advanced technology, they set out to break down the barriers inhibiting digital innovation in banking.
Tuum currently powers clients ranging from large multinational banks to emerging fintech and SMEs by getting to the heart of their business and supercharging them from within. We believe launching customer-centric financial services should be fast and straightforward. We are the innovation engine powering the next generation of financial services.
Our culture and values
The culture at Tuum is all about continuous learning and supportiveness. Just as we empower our clients, we empower each other to explore, innovate and thrive. Our team is ambitious and driven, but we maintain a positive, easy-going outlook and remain down to earth. We embrace diversity, viewing our differences as strengths that help us to flourish.
Trust
Commitment to our promises is deeply immersed in our way of doing and being. We place great trust in your abilities, confident that you know your field of expertise and have the skills to succeed in your work. We avoid micromanagement and keep leadership transparent to strengthen the trust between the people and the company.
Support
We are passionate about what we do. Our people are knowledgeable and seasoned experts in their own field, or on their way to becoming one. We believe in taking ownership of our work and achieving the best possible results through smart and efficient work. We challenge ourselves and each other to grow, which keeps us on the path of creating value internally and externally.
Growth
We learn by doing. We encourage everyone to explore, question ideas, and speak up when they see an opportunity to improve something. By working together, we support each other in our professional and personal growth. We value knowledge sharing, as by teaching others we develop both personally and as a company.
Transparency
We see transparency as the basis of strong and trustful relationships and pride ourselves on having an honest and open way of communicating. There’s no room for bluffing or sugar-coating; with unvarnished access to information, we can all work better. We believe in a feedback culture that contributes to the success of our people.
Professionalism
Our people are knowledgeable and seasoned experts, all passionate about what they do. We believe in taking ownership of our work and achieving the best possible results through smart and efficient work. We challenge ourselves and each other to grow, which keeps us on the path of creating value internally and externally.
We’re looking for talent. Join us!
Open positionsOur management team
Myles Bertrand
Chief Executive Officer
Myles is an experienced and proven leader with over 20 years of experience in financial technology and banking software solutions. As the former Managing Director at Mambu APAC, and more recently the Chief Revenue Officer at global digital micropayments platform DT One, Myles brings key strengths in core banking and payments coupled with a wealth of experience in leading growth and driving execution globally, developing strategic business partnerships and building teams that drive company success.
Rivo Uibo
Chief Business Officer & Co-founder
Rivo’s expertise lies in architecting, leading, and advising financial institutions. He has lead numerous new business ventures and transformation projects throughout his career. At Icefire, Rivo was responsible for designing an award-winning business case for SME lending in an API economy for OP Financial Services and providing Volkswagen Financial Services with a blockchain-based concept framework to share relevant information with all stakeholders.
Ove Kreison
Chief Technology Officer & Co-founder
Ove’s career in information technology began at Ernst & Young, from where he moved to Icefire. In his position as Head of Research and Development, Ove played a critical role in developing future-looking services for several Nordic banks and financial institutions. In 2018, he was awarded the Fintech Futures Banking Technology Award for ‘Best Use of IT in Corporate Banking’ for a project with OP Bank in Finland.
Jan Lakspere
Chief Product Officer & Co-founder
For over two decades, Jan has been developing innovative banking solutions which continuously push the envelope of what is capable with financial technology. From the 2000s, Jan was responsible for developing the entire pan-Baltic IT infrastructure of Estonia’s first commercial bank, Hansabank. In Icefire, he oversaw the development of pioneering technologies for companies including mobile bank Pocopay and international telecoms company, Telia.
Edgardo Torres-Caballero
Chief Revenue Officer
With over 20 years of experience in the SaaS, IT and financial services industry, Edgardo has overseen operations in multinationals like Hewlett Packard, as well as various European SaaS start-ups and scale-ups. As the former Managing Director at Mambu America and more recently VP Global Partnerships at Feedzai, he brings expertise in core banking technology, together with a wealth of experience in expanding global sales, marketing and partnerships.
Jean Souto
VP, Global Partnerships
With over 25 years of experience in the SaaS, IT services and digital transformation industries, Jean is a proven business leader in high growth companies. As a former Chief Revenue Officer in European start-ups, and more recently Head Strategic Partnerships at Feedzai, he brings his entrepreneurial spirit coupled with a wealth of experience in leading global revenue growth and building strategic alliances.
Jüri Kirme
Senior Solution Architect & Co-founder
Jüri’s expertise in information technology spans over two decades, dating back to his tenure as Head of Software Development at Hansabank. He has deep business and technical knowledge of banking systems, including reengineering business processes, UI, and technical architecture. Jüri lead the overhaul project for the Estonian tax office, resulting in the Estonian Tax and Customs Board becoming one of the most modern and efficient tax authorities worldwide.
Krista Einola
Head of Implementation
Krista has spent the majority of her career successfully managing and implementing projects for various software companies, such as Nortal and Icefire. She has been responsible for ensuring the successful completion of complex software projects while also leading teams of project developers.
Annette Kirotar
Head of People
Annette has international leadership experience in both sales and human resources fields. Having worked in various start-ups and scale-ups across Europe, she has built and managed multicultural teams. Bringing this experience to Tuum, she is now focused on bringing in world-class talent and building people-related processes and corporate culture.
Ljudmila Peters
Head of Finance
Throughout her career, Ljudmila has been responsible for managing and overseeing financial activities within different organisations, including overseeing finances as the Chief Accountant in Kit Finance Europe. As the Head of Finance of Tuum, she supports the company’s growth and sustainability through analysing financial needs as well as identifying areas for improvement and developing efficient financial solutions.
Veiko-Joel Kokk
Head of Legal and Compliance
Veiko-Joel has more than 25 years of experience in different expert and leadership roles at the Estonian central bank, commercial bank, payment institution and law firms (Sorainen, KPMG) focusing on the field of banking and financial services. Since 2020, he is also a government-appointed member of the Supervisory Board of the Estonian Financial Supervision and Resolution Authority.
Liina Vahtras
Chief of Staff
Liina is an Executive Management and Corporate Communications professional experienced in optimising productivity and efficiency, increasing visibility across various areas to ensure operational excellence, and managing change and adopting new ways of working. Liina has over 20 years of experience in communications (media relations, employee relations, stakeholder communications) and knowledge in IT, telecommunications, public sector and politics.
Ove Kreison
Chief Technology Officer & Co-founder
Ove’s career in information technology began at Ernst & Young, from where he moved to Icefire. In his position as Head of Research and Development, Ove played a critical role in developing future-looking services for several Nordic banks and financial institutions. In 2018, he was awarded the Fintech Futures Banking Technology Award for ‘Best Use of IT in Corporate Banking’ for a project with OP Bank in Finland.
Meet the board
Margus Uudam
Founding partner, Karma Ventures
Margus is a Founding Partner at Karma Ventures, bringing to the team years of venture capital and executive leadership experience, having supported over 40 founding teams. Margus has personally led and grown several organisations and has been a key figure in the development of the Estonian venture capital and startup ecosystem, currently serving his third time as the Chairman of EstVCA. His experience has been gathered from Ambient Sound Investments (family office of the Skype founding engineers), Estonian Energy Distribution Network, and Fontes. Excited about strategy, growth, and recruiting high-performing teams.
Michele Foradori
Investment director, BlackFin Capital Partners
Michele Foradori is an investor at BlackFin, the largest fintech-focused investor in Europe. He has been with BlackFin since 2018, and specialises in enterprise software and B2B fintech. Michele is sitting on board of Tuum, Viabill, Likvido and Tesseract. Prior to joining BlackFin, Michele worked at UniCredit, running corporate venture and innovation strategy for the banking group. He is passionate about helping founders and companies build strong business’ foundations and culture.
Hélène Falchier
Partner, Portage Ventures
Hélène joined global fintech fund Portage Ventures as Partner in 2019, where she oversees European activities and serves on many fintech boards. In 2015, she launched the corporate venture program of CNP Assurances, recognized for its capacity to build relationships between the startup ecosystem and CNP, as well as for the financial returns it has been able to generate. On the investment side, Hélène has led three major deals in Europe in different fintech sectors (Buy-Now-Pay-Later, Insurtech and Core banking system), plus many other seed checks. She is one of the leading figures in the insurtech ecosystem in Europe. Thanks to her experience in large insurance groups, she has not only acquired technical knowledge of the sector but also knows the industry’s weaknesses, allowing her to support innovative entrepreneurs in this sector and their strategies. Hélène is also advocating for diversity in financial services, actively pushing for more women CEOs and more diversity at the board and C-level in fintech.
Ove Kreison
Chief Technology Officer & Co-founder
Ove’s career in information technology began at Ernst & Young, from where he moved to Icefire. In his position as Head of Research and Development, Ove played a critical role in developing future-looking services for several Nordic banks and financial institutions. In 2018, he was awarded the Fintech Futures Banking Technology Award for ‘Best Use of IT in Corporate Banking’ for a project with OP Bank in Finland.
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