Bold vector avatar for fintech app. Head-and-shoulders portrait, centered, facing forward. Simple vector shapes with smooth gradients, no heavy shadows or textures. Soft neutral color palette. The subject: male, age 28–35, symmetrical face, clean jawline. Medium brown hair, neatly styled. Light-to-medium skin tone. Brown or dark eyes. Calm, neutral expression with a slight friendly smile. No exaggerated features. Attire: simple collared shirt in teal/blue/muted tone, minimal detail. Composition: head and shoulders, center aligned. Important for animation: keep shapes simple and clean; avoid shading on lips or jaw; mouth area clean and unobstructed; do not merge face and mouth shapes. Layer structure: Head, Hair, Eyes (left, right), Eyebrows, Nose, Mouth (separate group), Neck, Shirt. Output: SVG format with clean grouped layers, no raster elements.

The image shows a black and white drawing of a man wearing a shirt against a white background.