Cristina Elena Moldovan has over 10 years of experience in banking regulations at the National Bank of Romania. She is currently the Head of the Banking Law and International Legal Cooperation Division within the Legal Department. Cristina holds dual bachelor's degrees in Law and Economic Studies from the University of Bucharest and the Academy of Economic Studies in Bucharest, Romania.

She also has a master's degree in Banking Law. Cristina is currently pursuing a PhD in a joint program between Université Paris 1 Panthéon-Sorbonne and West Univesity of Timișoara, researching central bank digital currencies. She has extensive experience in transposing EU directives and implementing EU regulations in the areas of prudential supervision, payment services, and bank resolution. Additionally, she actively participates in the national implementation of the MICA regulation.