Christian is co-founder of and partner in Howart Compliance. Christian holds a MSc in Business Economics and Auditing from Copenhagen Business School. With a background as an auditor and consultant in PwC and Deloitte with a focus on the financial sector, Christian has deep industry insight and broad experience in working with compliance and risk management in companies that are subject to complex regulatory requirements.
As a partner in Howart Compliance, Christian acts as a sparring partner and advisor to our clients. In addition, Christian has a keen interest in technological development and our RegTech efforts, where we constantly analyse the market and keep up to date to ensure competent and relevant advice to our clients. Whether you need complete outsourcing of the compliance function or advice on the latest trends within RegTech, do not hesitate to reach out to Christian or the rest of our Howart Compliance team for an informal discussion.
Nikolaj is co-founder of and partner in Howart Compliance. Nikolaj holds a Master of Law (LL.M.) from University of Copenhagen and has more than 15 years of experience from the financial sector within Legal & Compliance. In addition, Nikolaj has extensive experience in building companies. In 2006, Nikolaj established a brokerage house, which was sold in 2009. After the sale, Nikolaj joined Saxo Bank to lead Legal & Compliance and build up Saxo Asset Management. After Saxo Bank, Nikolaj helped to build one of the Nordic region's largest advisory houses in risk management and compliance as CEO and partner. In 2018, the company was sold to a large international venture capital fund.
As a partner in Howart Compliance, Nikolaj advises our clients on compliance-related matters as well as the establishment of supervised companies. With his extensive experience from the financial sector, Nikolaj has tremendous insight and experience in optimising governance documents and processes in financial institutions.
Thomas is co-founder of and partner in Howart Compliance. Thomas has a degree in Finance, Organisation and Management from Copenhagen Business School as well as an MBA from Henley Business School. With more than 12 years of experience from the financial sector with both client and project responsibility, Thomas has a deep industry knowledge and broad experience in working with clients, teaching employees and providing advice related to governance and financial services.
As a partner in Howart Compliance, Thomas acts as a advisor to our clients through a structured approach to Governance, Risk and Compliance, e.g. GDPR, AML and the other regulatory challenges the companies face today. Through his broad experience and extensive knowledge and the solid technical backbone of Howart Compliance, Thomas is always up to date on the latest regulations at both European and national level, which Thomas can disseminate and help implement in all types of companies.
Joar is co-founder of and partner in Howart Compliance. Joar holds a degree in financial services from BI Bank Academy and has more than 30 years of international experience from banking, finance and consulting companies. Joar has worked in several leadership and expert roles in leading Nordic banks, including SEB and DNB in the Nordic countries, Germany, the Baltics, Poland and the USA. Most recently, Joar has been co-founder and CEO of the Norwegian part of a Nordic consulting firm, where Joar acted as advisor to several FinTech and RegTech companies. Throughout his career, Joar has accumulated considerable competences in regulatory compliance, risk and capital management as well as a unique understanding of both national and international technology in particular in infrastructure, regulation and licensing areas.
As Partner in Howart Compliance, Joar assists our clients with strategic and tactical advice and assistance with operational tasks related to implementation and management. Joar also assumes operational roles as interim project manager, COO or Risk & Compliance Officer.
Sigurd is Co-founder of and Partner in Howart Compliance. Sigurd holds an MBA in Finance from the Norwegian School of Economics (NHH) and in digital transformation, organisational development, change management as well as in management communication from BI Norwegian Business School. Sigurd has more than 20 years of experience in business and project management, board assignments and consulting in both Norwegian and international companies and particularly in the credit, risk and compliance areas from the Eika Alliance, Nordea, SEB and DNB. Sigurd has 4 international certifications in project -, programme-, portfolio- and benefit management and experience from an international consulting firm and as a Lead Mentor in a FinTech and PropTech accelerator in Oslo and as a chairman for a financial services network in an association for economists.
As Partner in Howart Compliance, Sigurd focuses on insight, collaboration and deliveries that create results for the clients in his work. Understanding the needs and challenges that arise in organisations in adapting to and implemening new regulations and legislation is one of Sigurd's strengths. Sigurd attaches great importance to collaboration that contribute to the proper involvement of staff and transfer of methodology, competence and results across your organisation, thus providing lasting benefits from our services.
Stein Aage Bless
Stein Aage is an Associate Partner in Howart Compliance. Stein Aage has more than 25 years’ experience within financial services and consulting, including 12 years in DNB and more than 11 years as a consultant within risk management and compliance from different international and Nordic consulting companies. Stein Aage holds a Master of Business and Marketing degree from Oslo Business School (Norwegian School of Management) as well as an MBA from Macquarie Graduate School of Management in Sydney, Australia. In addition, Stein Aage has a Master of Management course in Consulting from Norwegian School of Management. As a consultant Stein Aage has extensive experience with licence applications to the Norwegian FSA for companies with different licence needs, and with outsourcing of risk management and compliance functions. Additionally, Stein Aage has experience as a financial controller and credit officer and has worked in a covered bonds company.
As Associate Partner in Howart Compliance Stein Aage assists clients with application processes, the production and control of governing documents and with implementation of new financial regulations. Stein Aage can also assume different operational roles.
Richard is a co-founder an Partner in Howart Compliance. Richard has a degree in Economics from Benedictine College in Kansas, USA. He has a background from securities operations and risk & compliance at some of the largest financial institutions in the Nordics. He’s worked in the compliance space at PwC in London and Capco in the Nordics, focusing on regulatory coordination and ensuring optimal use of operational resources and support through the use of new technology. He is active participant in the Swedish Fintech scene and he’s been the track lead of Regtech at the Sthlm Fintech Week since 2019.
As a partner at Howart Compliance, Richard will support our clients in operationalising the ownership of regulations in the first line of defence and how technology, through Regtech, can achieve exponential impact on compliance, even through a small investment. Richard is the leading Regtech authority in the Nordics and he has a well developed global network in the evolving Regtech space. When you need education or training on what Regtech is and can do for your organisation, or if you are looking for the optimal Regtech product for you business, reach out to Richard or the rest of the Howart Compliance team for an informal discussion.