Raziya Mammadova currently serves as a Senior Operational Risk Manager and Senior Fraud Risk Manager at PASHA Bank OJSC, a position held since August 2020. Prior to this role, Raziya Mammadova worked at Bank VTB (Azerbaijan) from May 2011 to August 2020, where responsibilities included Head of Operational Risk Management Division and Retail Credit Risk Manager. Raziya Mammadova began a career in the banking sector at Bank Standard Azerbaijan from January 2007 to May 2011, holding positions as Credit Controller and Credit Expert. Raziya Mammadova earned a Bachelor's degree in Jurisprudence from the Academy of State Administration under the President of the Azerbaijani Republic between 2000 and 2004.