In 1994 she graduated from the Kazakh national University. al-Farabi majoring in International economic relations, in 1995-Kazakh state Academy of management, specialty «Finance and credit», in 2001 – Kazakh State law Academy majoring in «Jurisprudence». In different years she held senior positions in companies of financial and real sectors, including the state Export-import Bank of Kazakhstan, ABN AMRO Bank Kazakhstan, Kazakhtelecom JSC. From March 2015 to the current appointment she worked as Deputy Chairman of the Board of JSC «Altyn Bank».

She started her working career in ABN AMRO Bank Kazakhstan JSC and held there the positions of Chief Specialist, Head of the Accounting Department of Treasury, Dealer of Treasury, Head of the Sales Department of Treasury, Operating Risk Manager. She worked as a Head of the Sales Office of the Treasury Department in City Bank of Kazakhstan JSC. In Halyk Bank of Kazakhstan JSC she held the following positions: Head of the Division of Sales of Treasury Products, Director of the Department of Client Account and Money Transfer Administration, Director of the Transactional Services Methodology Department. She held the position of Deputy Chairmen of the Management Board of Altyn Bank JSC.

Arman Tokarov from KIMEP University (Almaty, Kazakhstan) with the bachelor of business administration degree, as well ashegraduated Luevent Gent Vlerick Business School (Ghent, Belgium) with a master's degree in financial management. He also has a certificate of «Certified Financial Manager»from the Institute of Management Accountants (Montville, USA).

 
He has experience in various business sectors, including the financial sector. He worked in JSC «Bank CenterCredit», JSC «Kazkommertsbank», JSC DB «RBS (Kazakhstan)» (until 2008 – JSC DAB «ABN AMRO Bank Kazakhstan»), Ivolga Group and other large companies.

The graduate of the Kazakh State Management Academy in the specialty «International Economic Relations». He began to work in SJCB «ABN AMRO Bank Kazkahstan» JSC in 1995. During different years he held the executive positions in SB «RBS (Kazakhstan)» JSC,«ATF Bank» JSC (UniCredit Group), SB «Alfa-Bank» JSC, «Samruk-Kazyna» Real Estate Fund» JSC. In the banking sector he historically was responsible for the corporate banking, transaction business, as well as private banking.