Assylbolat Karagulov

Assylbolat Karagulov serves as Deputy Director at Freedom Bank in Almaty, Kazakhstan, a position he has held since September 2025. Concurrently, he holds the role of Director of the Department of Distributed Ledger and Digital Asset Platforms, a mandate that began in February 2026. Prior to that, he served as Deputy Director of the Card Processing Department from September 2025 to February 2026.

Before joining Freedom Bank, Karagulov served as Deputy CEO and Deputy Chairman of the Management Board at OJSC Kyrgyzkommertsbank from January 2024 to November 2025, where his stated responsibilities included implementing a product-driven approach, building data-driven and process-driven strategies, managing the bank's mobile application, and overseeing certification with VISA and Mastercard payment systems. He previously held the role of Chief Digital Officer at JSC Kyrgyzkommertsbank from March 2022 to January 2024. He has over 16 years of experience in banking and fintech, with a stated focus on digital transformation, platform modernization, and regulated financial infrastructures, including large-scale banking and payment platforms.