Ms. Merkulova has been with the Transport Clearing House since February 2017, currently holding the position of Vice President – Commercial Director. 

In 1995 Ms. Merkulova completed a course in finance and crediting at Plekhanov Russian Academy of Economics.

Since 1993 Tatiana Merkulova was engaged in aviation insurance and air passenger voluntary insurance.
 
Since 2015 Ms. Merkulova supervised IT-project for development of online integrated platform for insurance products sales on airline websites and other passenger travel and tourism channels.