Karine Kocharyan was born on July 21, 1970. In 1987 she entered the Plekhanov Institute of People's Economy in Moscow, and in 1992 she graduated from the Yerevan State Institute of People's Economy. In 1993 she started her career working in various international financial institutions. At the Republic National Bank of New York (Moscow), she worked as the deputy head of the operational department, then moved to the Moscow branch of Bank of America, where she held the position of Head of International Transfers. She worked at BNP Paribas Bank (Moscow) for more than 10 years, holding managerial positions. From 2010 to 2013 she served as Executive Director at Renaissance Finance Bank LLC (Renaissance Capital Group). During 2014-2020 she was the Operations Director of Commercial Bank MIA (AO). From 2020 to 2022 she worked at ID Bank CJSC as an Operations Director. Since June 2023, she has held the position of Deputy Executive Director and Administrative Director of Cube Invest CJSC.