Select Page

Alva at a glance

We believe banking needs to get less complicated, more flexible, offer more choice and make customers lives easier. That is why we created an alternative to the conservative banking model. Alva is a technology company which delivers a range of custom-tailored financial services to customers.

The Founder and Group CEO

Skorri Rafn Rafnsson

Skorri Rafn Rafnsson

Skorri Rafn Rafnsson is the Founder and CEO of Alva, the largest financial technology company in Iceland. Skorri has served as Chairman of the Board to Iceland’s various micro-giant companies such as Heimkaup (Amazon of Iceland), Bland (Craigslist/Ebay of Iceland), Hópkaup (Groupon of Iceland) and various others. He has been the CEO of Iceland’s largest online retailer and online e-commerce market. He has served as CEO for both a software development as well as a credit technology company in Europe. Skorri’s entrepreneurship has been adamant since he was a young child trading bonds at the age of 10 and since been fascinated with the financial banking sector. He is now an experienced business investor with the ability to take start-up companies and transform them into successful thriving companies.

He is responsible for strategy development and implementation, business and product development, and investor relations.

Your work is going to fill a large part of your life, and the only way to be truly satisfied is to do what you believe is great work. And the only way to do great work is to love what you do. If you haven’t found it yet, keep looking. Don’t settle. As with all matters of the heart, you’ll know when you find it.

skorri(at)alva.is

Linkedin

Board of Directors

Andri Valur Hrólfsson

Andri Valur Hrólfsson

Andri Valur has over 24 years financial industry experience, especially in payment solutions. Andri was managing director at Valitor (former Visa Iceland), responsible for all international business such as cross-border acquiring from 2003-2011. He joined Visa Iceland in 1993 as managing director of Visa Iceland’s domestic operations. Before joining Visa Iceland, Andri spent 27 years in the airline industry and was among other positions director of domestic operations of Icelandair. Currently he sits on the boards of various companies and his vast knowledge is a valuable asset for Alva.

Leadership

Helgi Björn Kristinsson

Helgi Björn Kristinsson

Deputy CEO

Helgi has extensive experience in sales and marketing, having been for the last 10 years in charge of sales and marketing for retail banking within one of the largest banks in Iceland focusing on both individuals as well as corporates. Furthermore, Helgi has a comprehensive hands-on experience from outside the banking industry; has worked as Chief Revenue Officer for the media conglomerate 365, been a sales manager for Toyota as well as having worked in market research and advisory for PwC.  Helgi has a B.A. degree in political science from the University of Iceland and an MBA degree from the University of Reykjavik.  

 “The sun hides behind the clouds…. just ask the pilots”

Josip Budimir

Josip Budimir

CIO

For the most part of his professional career, Josip has been in charge of the architecture and implementation of highly available IT solutions for enterprises. His skill set includes both strong technical background as well as core understanding of business domain. Josip’s previous work includes mission critical IT systems for The Vehicle Center of Croatia, Budget Rent-a-car, World Bank and many other respectful clients.“ Josip’s responsibility is to shape the company’s technology vision and resources.

If it ain’t broke, improve it .
Georg Andersen

Georg Andersen

CEO at Inkasso

Georg has 20 years experience in international business, investment banking, strategy and management. Georg worked for Marel hf. on international sales, marketing and international market penetration, he worked at Straumur Investment bank as Senior Vice President – Head of Communication and Investor Relations and later he worked for Valafell ehf. seafood company as CEO. He has served as board member on various company boards both private as well as for public companies. Georg has an MBA degree from Reykjavik University and a undergraduate degree from Niels Brock Business School in Copenhagen.
Sigríður Katrín Kristbjörnsdóttir

Sigríður Katrín Kristbjörnsdóttir

CFO

Sigríður is a certified public accountant and prior worked for Ernst & Young audit office for 8 years. She has excellent experience in financial management of Fin-Tech companies and since 2014 managed the financial structure of Inkasso collections and Faktoría claims funding. Sigríður has a bachelor´s degree in finance and master’s degree in accounting and auditing from Reykjavík University. In 2012 Sigríður gained a certification as a public accountant.

Kjartan Hansson

Kjartan Hansson

CPO

Kjartan has over 15 years experience in information technology and banking as a CPO, Director, Senior Product Manager, Software Developer, Scrum Master and Team Lead. Prior he worked for Meniga, CCP and Íslandsbanki.

“It is more fun to talk with someone who doesn’t use long, difficult words but rather short, easy words like “What about lunch?” ― A.A. Milne, Winnie-the-Pooh
Hrafn Árnason

Hrafn Árnason

CBDO

Hrafn has 18 years of experience in asset management, trading and investment banking from Landsbanki, Kaupthing, Islandsbanki and the Icelandic state financial investments (ISFI). Hrafn has built and managed investment teams and investment products, such as mutual funds, investment funds, pension funds and has in-depth experience in valuing equities, bonds and other investment vehicles. 5 years as chief investment strategist and head of Islandsbanki’s portfolio management division. Hrafn has a Cand.oecon degree in finance and business from University of Iceland and an MBA degree from the University of Edinburgh Management School.

“Only the paranoid survive” – Andrew Grove (András István Gróf)

Þórir Þorgeirsson

Þórir Þorgeirsson

CTO

Þórir has over 15 years of experience in information technology and software development.  Over those 15 years Þórir has worked for companies such as Iceland Telecom, IceConsult and Icelandic Civil Aviation Administration before joining Alva in 2012.  Þórir has a B.Sc. degree in Electrical Engineering from the University of Iceland.  Þórir’s responsibility in Alva is to define and design technology solutions and mapping the business requirements to systems/technical requirements to ensure they are in line with the enterprise architectural plan.

„Getting information off the Internet is like taking a drink from a fire hydrant.“ – Mitchell Kapor

Guðjón Elmar Guðjónsson

Guðjón Elmar Guðjónsson

HEAD OF MARKETING

Guðjón is an experienced marketer, having worked in marketing for 17 years both in the retail sector as well as technology sector. Guðjón has worked with companies like Playstation, Panasonic, Coca Cola, Sony and Next. He has a degree in business from Bifröst University as well as studied marketing at The Chartered Institute of Marketing.

“It is nice to be important, but its more important to be nice.” – Hermann Fannar Valgarðsson

Þórir Örn Árnason

Þórir Örn Árnason

HEAD OF LEGAL AND COMPLIANCE

Þórir has an extensive business experience, and for the last 10 years he has been working as a director of debt collection at Íslandsbanki. Among his responsibilities as a director at the bank was debt collection, the bank’s real estate portfolio, financial restructuring for individuals and businesses and specific lending procedures. Þórir has a vast knowledge as a lawyer, but he was self-employed for 7 years before joining Íslandsbanki. In addition, he also worked for the tax authorities. Þórir graduated from the University of Iceland.

Dóra Lind Vigfúsdóttir

Dóra Lind Vigfúsdóttir

HEAD OF COLLECTION

Dóra Lind has a bachelor‘s degree in English and an MBA from the University of Iceland. She‘s has years of experiance in consumer collection, maintaining service centers, hiring and training new team members and is an experianced leader. She is responsible for collection strategy and execution.

Alva ehf.
Borgartún 27, 105 Reykjavík Iceland

Moberg d.o.o
Strojarska 20, 13th floor, 10 000 Zagreb Croatia

CONNECT WITH US

Follow us on social media, get the latest info and connect with our group.

CONNECT WITH US

Iceland
(+354) 545 0045 alva@alva.is

Croatia
(+385) 99 3621195 alva@alva.is