Armands manages the work of the Supervisory Board and ensures the fulfillment of the board’s duties in accordance with the regulatory requirements of the Republic of Latvia, determines and supervises business and product strategy and development, and plans the development of new business directions. Armands is also the owner and founder of the TWINO Group. He drives the Group's long-term strategy and works on new business direction development. Armands has extensive expertise in strategic planning, launching new markets and products, and remarkable leadership skills. He possesses a global business mindset and perception of opportunities. Armands holds an MBA from the Stockholm School of Economics in Riga and he has been a private business owner for over 10 years.

Artūrs has over a decade of legal experience in the insurance and financial sectors, with extensive expertise in commercial and finance regulations. He has served as Head of Legal at a leading insurance firm in Latvia and provided legal support to a major electronic money institution before joining AS TWINO Investments. In addition to his legal background, he has acquired basic programming skills. Most recently, he expanded his knowledge in AML regulation. He holds a Master’s degree in Law from the University of Latvia (Riga, Latvia).

Non-executive co-chairman of AS TWINO Investments. Mārtiņš provides the global strategic view on trends, risks, and priorities from a global investor standpoint and charters the way into a wider product portfolio and more global markets. Focus on value creation from an investor's vantage point. Mārtiņš helps introduce best practices from global investment and fintech unicorns. 15+ years of international experience serving investors as one of the global leaders of the McKinsey & Company Private Equity practice as well as an investment banker and private equity professional. Investor and advisor to multiple start-ups across emerging markets, including the Middle East, Turkey, and the Baltics. Mārtiņš holds an MBA with distinction from the IESE Business School in Spain, an LLM from the Riga Graduate School of Law in Law and Finance, and a B.Sc. from the Stockholm School of Economics in Riga.

Nauris has extensive experience leading strategic growth across various business areas, particularly focusing on IT, business strategy, product development, and innovation management. He consistently drives forward-thinking solutions, innovative product initiatives, and fosters environments that encourage creativity and breakthrough ideas. Nauris actively shapes company strategies, ensures alignment with regulatory standards, and optimizes internal processes to sustain business excellence and continuous innovation. He holds a bachelor's degree from the University of Latvia, along with professional certifications as a Board Member and Business Analyst

Māris is responsible for ensuring the company’s risk control and compliance function, supervising the internal control system, and coordinating the activities of all structural units of the organization related to risk management and compliance. He has been working in risk management for more than 15 years in the insurance and banking sectors, including risk management positions at AS Citadele banka, AAS Balta, Balcia Insurance SE, and most recently as Head of Compliance of Risk Management at TWINO. Māris holds a professional bachelor’s degree in European Business, qualification in Enterprise and Institution Management, and is currently studying for a Master of Business Administration at Riga Business School.