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Company Management

Chief Executive Officer

The Chief Executive Officer handles the running administration of the company in accordance with the instructions and directions of the Board of Directors. The Chief Executive Officer is appointed by the Board of Directors.

The Chief Executive Officer of Elo is Satu Huber, M.Sc. (Econ.) (born in 1958).

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Executive Group

The Executive Group, consisting of directors appointed by the Board of Directors, assists the Chief Executive Officer in the company’s operative management and planning of operations. The Executive Group is involved in, for example, preparing any matters related to the company’s strategy, budgeting and organisation for the Board of Directors.

The Executive Group at Elo consists of:

Satu Huber

Satu Huber

Chief Executive Officer
Born 1958, M.Sc. (Econ.)
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Mika Ahonen

Director, Legal Affairs, Communications, Compliance 
Born 1967, Master of Laws 
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Matti Carpén

Matti Carpén

Director, Customer Relations and Customer Channels, ICT
Born 1960, Master of Science (Eng.) 
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Hanna Hiidenpalo

Director, Chief Investment Officer
Born 1966, Master of Science (Econ.)
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Mikko Karpoja

Director, Actuarial Services, Appointed Actuary 
Born 1962, M.Sc., Fellow of the Actuarial Society of Finland 
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Erja Ketko

Director, Risk and Business Control
Born 1967, M.Sc. (Econ.)
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Sarianne Kirvesmäki

Director, Finance and Investment Risk Supervision
Born 1966, B.Sc., MBA
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Hilkka Malinen

Director, Human Resources
Born 1963, M.A.
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Jonna Ryhänen

Director, Securities Division 
Born 1975, M.Sc.
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Jouni Seppänen

Director, Pensions and Insurance Policies
Born 1969, M.Soc.Sc.
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Timo Stenius

Director, Unlisted Investments
Born 1956, Master of Science (Eng.) 
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Other directors

Director of Well-being at Work Anu Suutela-Vuorinen
Development Director Eija Kaipainen-Perttula
Chief Customer Officer Timo Hietanen
Director of Sales Tom Kurtén - responsible for sales collaboration with Fennia
Director of Sales Susan Sajantila - responsible for sales collaboration with LocalTapiola 
Director of Information Management Aaro Mutikainen 
Marketing Director Joni Tikkanen 
Development Director Eero Sallasmaa
Director of Financial Services Tarja Anttila 
Director of Legal Affairs  Harri Christensen 
Director of Public Relations Katja Veirto 
Chief Audit Executive Anne Nurminen 
Chief Actuary Cecilia Åkerlund-Biström


Medical insurance specialists

Senior Physician Liisamari Krüger 
Medical insurance specialist Lotta Autio
Medical insurance specialist Hannele Heilä 
Medical insurance specialist Timo Honkanen 
Medical insurance specialist Kimmo Kuoppasalmi
Medical insurance specialist Mikko Nykänen 
Medical insurance specialist Rauni Pietilä
Senior Medical Advisor Tanja Rokkanen
Medical insurance specialist Tapio Ropponen 
Medical insurance specialist Juhani Rämö 
Medical insurance specialist Tuula Rönkkö-Kuivalainen 
Medical insurance specialist Hannu Vanhanen
Senior Medical Advisor Jyrki Varjonen