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Education
In 1992 she graduated from Dagestan State Technical University, having received a degree in systems engineering in the direction of management in information systems.
In 2012-2014, she studied at the Higher School of Economics, receiving the title of Master of Banking Management.
Career
2001-2004
In 2001-2003, she worked as a 1C programmer at 4dk, in 2003-2004 as a leading programmer at Bonanza Electronics, in 2004-2006 as a chief programmer and database architect at Interradiopribor, where she participated in the creation of a corporate information system for a service center based on Oracle.
2006-2013
In 2006, she headed the IT department at the Debt Recovery Agency, in which she again faced 1C and, in particular, led the project for the development and implementation of an information system based on 1C 8.1. Kakhrumanova worked at the agency until February 2013.
In April - September 2013, she was the senior manager of IT projects at Rosbank, where she was engaged in the management of information system development projects, interaction with customers, suppliers and contractors.
In October 2013, she took the post of Director of the Development of the Corporate Information System of the Siberian Generating Company. In particular, in this post until July 2015, she managed the portfolio of relevant projects and determined the strategy for the development of the corporate information system.
2015
In July 2015, she moved to the Central Bank of Russia, where she was appointed to the post of director of the development center of the information technology department. In October 2017, she became acting Director of the Information Technology Department, replacing Maxim Tishchenko in this post.
The direct leader of Kakhrumanova in the Central Bank is the first deputy chairman of the bank's board Olga Skorobogatova, who previously also worked as deputy chairman and curator of IT in Rosbank.
2024: Appointment to the post of Deputy Chairman of the Central Bank of the Russian Federation
On November 21, 2024, the Bank of Russia announced the appointment of a new deputy chairman: it was Zulfiya Kakhrumanova, Director of the Information Technology Department of the Central Bank. In the new position, she will oversee the work of the Department of Information Technology, the Department of Financial Technology, as well as the Operations Department.
Zulfiya Kakhrumanova will begin to fulfill the duties of Deputy Chairman of the Central Bank of the Russian Federation from December 2, 2024. On the same day, the department of the national payment system will be supervised by the first deputy chairman of the Bank of Russia Dmitry Tulin, the press service of the Central Bank of the Russian Federation adds.
The appointment of Zulfiya Kakhrumanova was announced on the same day as the resignation of Olga Skorobogatova from the post of First Deputy Chairman of the Bank of Russia. According to Frank Media, the functionality of Olga Skorobogatova is likely to be divided between internal candidates.
There are very few stories when a person from outside comes to the Central Bank "immediately to the deputy chairman," says Frank Media, an interlocutor close to the Central Bank. According to him, there are no such level of technology experts inside the Central Bank, and there are few of them on the market. Olga Skorobogatova was the direct leader of Kakhrumanova in the Central Bank.
Skorobogatova oversaw the development of the national payment system, information and financial technologies, as well as the operating department of the Central Bank. It was she who led the introduction of many technological changes: QR code, biometrics, open APIs and digital ruble. It is assumed that these duties will pass to Zulfiya Kakhrumanova.[1]
2025: Chairman of the Supervisory Board of the FinTech Association (AFL)
Deputy Chairman Bank of Russia Zulfiya Kakhrumanova became Chairman of the Supervisory Board. FinTech Associations (AFL) Under her leadership, work on the development, implementation and development of innovative solutions and technologies for Russian financial the market will continue at the AFL site. The Association announced this on April 17, 2025.
With the support and active participation of the Chairman of the Supervisory Board, AFL will continue its development as a cross-sectoral platform for discussing and implementing initiatives in the field of financial technologies, as well as developing consolidated proposals for the development of technologies, digital products and services. The Association will promote the development of financial technologies based on Russian or independent solutions, improve digital products, services, and build seamless client paths for both financial institutions and representatives of other markets.
Notes
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