Elena Loukoianova is a Deputy Division Chief in IMF’s Asia Pacific Department. In the IMF, she has been working on country and financial surveillance issues, financial inclusion, the use of financial technologies (fintech), financial stability issues, methodological and analytical issues of balance sheet analysis, macroprudential policies, analytical tools to assess and monitor systemic risks, and IMF programs. Her current country assignment is Australia, and she is a mission chief for Tonga. In 2008-10, she worked as a Director and Senior Economist (Russia and CIS) in Emerging Market Research in Barclays Capital, as well as a Senior Economist at the European Bank for Reconstruction and Development. Her current research focuses on political risks, household debt impact on economic policies, economic applications of blockchain, and systemic risks. She holds a Ph.D. in Economics from the University of Cambridge, England, and a Ph.D. in Mathematics from Ulyanovsk State University, Russia.