Speakers

A history graduate, she was professionally involved with financial institutions since 1998. She was employed in the structures of financial companies in the areas of sales management, product, decommissioning, and recruitment. She has been working in human resource consulting since 2006. She has managed recruitment teams for financial institutions, the legal sector, and professional services. Also responsible for quant and data science recruitment. Executive search consultant, an experienced lead assessor, a certified SHL and Insights Discovery trainer.

Experienced Executive in omni-channel payments.

Author, Entrepreneur, Investor

Speaker Biographical Details

Norman Frankel has worked in mobile/digital payments for 30 years.

Currently, with Stanchion Payment Solutions, a 20-year old solution provider/system integrator, with 100+ customers. Stanchion brings deep technical integration experience and leading-edge solutions especially Open API and digital payment in nature, to help its client base drive new revenue, customer experience/engagement & reduce cost in payment operations.

Prior to Stanchion, Norman had roles with

• ePay, a Euronet company, a large digital content distribution & retail payments business.
• founded Mi-Pay, a Telecom industry PSP adding value to eCommerce payment transactions.
• spent 5 years as Group Mobile and e-Commerce Director for LogicaCMG Plc, and
• spent 10 years in NatWest Bank Card Services, delivering technology led innovations in the E&M-commerce area.

Responsible for Visa business development in Europe in cooperation with both European and global strategic partners, Sebastian is also developing the area of Digital Partnerships, Ventures and Fintech in Central Eastern Europe.

Previously, he was in charge of mobile payments development in Poland and other Central Eastern European markets, working with the region’s leading banks, MNOs, and major payment ecosystem partners, and his responsibilities included business aspects of launching payment services with such partners as Apple, Google Garmin and Fitbit. He was also involved with the launch of Visa Innovation Incubator in Warsaw.

With Visa since April 2012. Throughout his proffesional career he has been linked with the financial and payments sector, where he accumulated a wealth of experience in both corporate and retail banking. His interests focused on transaction banking in the broad sense of the term, including e-commerce, online banking, card products, mobile payments and banking innovation. As Head of Transaction Banking Management at Citi Handlowy, his responsibilities included debit cards and development of new products and services for retail clients.

Graduate of Warsaw University of Technology, Department of Electrical & Computer Engineering; and of Executive MBA studies at Business School, Warsaw University of Technology.

Founder & CEO of Wetterheld, the digital weather insurance for small and medium businesses.
Previously 5 years at Ernst & Young and Deloitte as consultant and manager in regulatory and risk management projects at German banks.
Member of the Hamburg parliament 2011-2015.

Jarosław Hermann graduated from the Applied Mathematics and Physics Faculty at the Warsaw University of Technology in 1994 and Carlson School of Management MBA program in 2002.
He gained broad IT & Operations practice working on managerial positions in PepsiCo, Pioneer Financial Services and Accenture, where he was conducting mid / large scale projects in banking sector in Poland and CEE countries. Between 2005-2010 he was Member of First Data Poland responsible for providing IT and operational services for card acquiring and financial solutions business lines. Between 2010-2016 he was Board Member of AXA companies in Poland responsible for IT & Operations. From 2016 to 2018 he was Vice President of Polskie ePłatności, emerging card acquirer.
Since 1 August 2018 Member of the Management Board of Bank Millennium S.A. From 3 June 2019 until the day of merger with Bank Millennium S.A. i.e. 1 October 2019, also Deputy Chairman of the Management Board of Euro Bank S.A.

Mr. Witold Jaworski graduated from the Poznan University of Economics with the PhD title in the economics area.
He has a wide professional experience in the insurance sector.
His career began in 1995 from working for an American company Tillinghast Towers Perrin in Frankfurt. The following five years he spent covering analytical positions in the global management consulting firm McKinsey & Company.
From 1996 to 2010 he was a part of a scientific team and being in charge of teaching and research assignments in insurance finance and strategy at Poznan University of Economics.
Mr. Witold Jaworski from May 2004 till December 2012 was linked to the PZU Group and he filled the following positions:

• Supervisory Board Member in PZU Lietuva and PZU Lietuva Life
• Head of Motor Insurance Product Management, Head of P&C Product Department, Managing Director P&C, Products and Sales in PZU S.A., Product Management Department / Sales Department
• Supervisory Board Member in PZU Pension Fund (Vice Chairman), PZU TFI (Chairman) Board Member in PZU Non-Life and PZU Life

After two years at the position of CEO in Polish branch of Allianz, once more he joined the Management Board of PZU Group. He is responsible for Marketing Department: Bureau of Product Management, Marketing Office, Analysis and Actuarial Office, the area of analytical CRM, Director of the Individual Client Segment, Director of Customer Segment SME).

From September 2019, Jolanta Karny is the head of sales in the Aviva group and is responsible for the areas of sales, marketing, direct, digitization and strategy. Previously she was responsible for the property insurance business line.
She started working at Aviva in 2003 as an actuarial assistant, and then was promoted in this area. In 2010, she became the director of the sales network activation department, and in 2012-2014 she was the audit director. In 2014-2016, she was responsible for the area of ​​strategy and transformation.
She graduated from the Faculty of Physics at the University of Warsaw, and obtained a PhD in economics at the Collegium of Economic Analysis of the Warsaw School of Economics. She also completed postgraduate studies in Business Management at the University of Tennessee in Knoxville, investment consulting at the Academy of Leon Koźmiński and organization development at Said Oxford Business School. She participated in Aviva’s global development programs.

James Felton Keith is an award-winning engineer and economist who was the first Black LGBTQ person to run for US Congress or any of America’s federal offices. As an author and activist, his Data Unions redefined the labor movement and personal-data as the natural resource driving all industries. As an entrepreneur, he established the first international standard certification for corporate diversity & inclusion and parametric insurance for inclusion based on his “inclusion scores”. His bio-political philosophy, Inclusionism is at the forefront of Human Rights advocacy and International Relations in academia. Each week he hosts the WHCR 90.3 FM radio show Inclusionism from Harlem, NYC.

Dawid is a Fellow of Institute and Faculty of Actuaries and CEO of Quantee, a company helping insurers to improve their results with advanced analytics. He has 7+ years of experience as an actuary in insurance companies located in the United Kingdom, Germany and Poland. As a founder and CEO of the startup, he is unlocking the full potential of Artificial Intelligence solutions in InsurTech space.

Dr. Krzysztof Korus is an attorney at law, doctor of laws and economist, lecturer on public business law at the Foreign Legal Systems School Coordination Centre at the Jagiellonian University (Ośrodek Koordynacyjny Szkół Praw Obcych przy Uniwersytecie Jagiellońskim), works with the Polish-German Centre for Banking Law at the Jagiellonian University (Polsko – Niemieckiego Centrum Prawa Bankowego Uniwersytetu Jagiellońskiego), is an associate member of the European Payments Consulting Association in Frankfurt, a member of the programming board at the monthly publication “Banking Law Monitor” (Monitor Prawa Bankowego), and a member of the working group of the Financial Market Development Council at the Polish Ministry of Finance, dealing with implementation of Directive 2007/64/EC. He has worked for renowned law firms in an of counsel capacity. Legal expert of the Polish Organization of non-bank Payment Institutions (PONIP). His specialist practice focus is commercial law. He has authored several dozen publications and legal analyses on legal issues relating to electronic payment instruments, and is invited to speak at numerous conferences and seminars relating to this issue.

Katarzyna has been working in strategy and innovation for almost 20 years. She has a wide experience in financial industry – prior to Innovatika she was working for National Bank of Poland and for Morgan Stanley Dean Witter, investment bank. At Innovatika, she was managing and supporting projects for financial institutions like: BRE, Millennium, ING, Getin, Bank Pocztowy, Generali, PZU, PKO BP, Metlife, EFL and for companies like Dentons, Deutsche Telecom, Avon, Wolters Kluwer, Lafarge, Polish Post, MTV, Warsaw Stock Exchange, Mars, Ministry of Economy (Development), Bunge etc. She helps organisations in exploring their opportunity areas and building solutions upon them. She has a broad experience in incubation and accelerations programs, she co-authored the first MIT Enterprise Forum Accelerator in Poland, worked with startups at Hub:raum (T-Mobile accelerator), worked with corporate entrepreneurs in many industries – from telecoms, publishing houses to e-services and energy companies. Business ideas mentored by her get awards and international recognition. She is the judge in MIT Innovators Under 35 competition in Poland and Spain. She is experienced in running projects under Design Thinking approach. She was the one to persuade Bank Millennium to do the first Design Thinking project that turned out to be a great success that generates hard business results. She also teaches Design Thinking at Warsaw School of Economics and Innovatika’s Design Thinking Masterclass.

Sławomir Łopalewski has graduated from Adam Mickiewicz University in Poznań, Warsaw School of Economics and IESE Business School University of Navarra/ AMP. He also studied at the Poznań University of Economics. He completed management courses in Harvard Business School and Kellogg School of Management in the USA. Since 2008 he has been associated with Nordea Life&Pensions (now PKO Życie Towarzystwo Ubezpieczeń S.A.)- first as a Board adviser, later as a member of the Board of Nordea Life & Pensions responsible for the sales department. In 2010 he has been appointed a CEO of the company. What is more, he has a rich experience in work for a renown consulting companies like Coopers& Lybrand (now PricewaterhouseCoopers), Cap Gemini Ernst&Young as well as Deloitte Advisory, where he was a manager in charge of strategic consulting for the companies in the financial sector.

Adam Malinowski graduated from Management faculty of University of Warsaw as well as MBA studies from University AUBG in Sofia. He also studied on Physics faculty and went through Top Talent Training Programme, the international program for Generali Group’s Managers.

He has got an extensive experience in sales management in financial sector, implementing restructuring programs, process digitalization, such as sales portals and development of own sales network. He was leading sales of non-life, life and health.

Currently he is MB Vice-president responsible for Sales and Marketing in Signal Iduna Poland. Earlier he was part of Management Board team in Generali Poland, dealing with multiagents, own network and call center. In a period of 2014-2016 he was acting as Business Development Department Director in PZU. Earlier he was involved with Generali Group fulfilling managerial functions in Poland and abroad. He started his career in banking sector. In a period 2018-2019 was appointed as president of distribution committee in Polish Insurance Chamber.

Edyta Musielak is a co – founder of Cashy which is the early payment discount platform that was nominated in 2020 to Fintech of the Year Award by Cashless.pl and won the international Startup Cup Powered by SAS. She is responsible for sales at Cashy. Edyta has over 15 years of experience in procurement and consulting. Recently she was the head of business development at Aleo.com platform owned by INB Business Services which was offering not only procurement tools but also the supplier financing. Before that she has conducted numerous procure to pay optimization projects for the companies from i.e. furniture, food processing or automotive.

Marcin is a Managing Director at S&P Global Ratings since 2014, executing across three senior commercial roles:
– Head of Europe, Middle East and Africa (EMEA) Relationship Management: leading a regional team managing entire EMEA existing client book & relationships across all business segments: corporates, financial institutions, sovereigns & public sector and also running the infrastructure and project finance business.
– Regional Head for Central and Eastern Europe (CEE): driving the franchise, strategy and management of the ratings business across the region.
– General Manager for Poland, running day-to-day operations of the Warsaw office.
In parallel is a member of the Supervisory Board of MCI Capital S.A., Chairman of the Program Board for the Fintech Digital CEE Congress, Member of the Board of Directors at the American Chamber of Commerce in Poland (AmCham) and the Leslaw A. Paga Foundation. Before joining S&P was an Executive Director at J.P. Morgan Corporate and Investment Bank in London, where he covered Russia, CIS, CEE, and Israel for Markets and Investor Services. He was also the Deputy General Manager for J.P. Morgan CIB in Poland. Prior to 2007 spent five years with Citi Corporate and Investment Banking, operating in Poland and CEE.

Gero Reiniger is Sales Director DACH bei Zelros in Munich since January 2020. At Zelros he is responsible for market development of the DACH region and neighboring countries. Together with his team he facilitates technology and requirements of the insurance industry to achieve processual and customer excellence.

Prior to joining Zelros, he worked in sales and management positions for the worldwide credit insurance company, Euler Hermes (Allianz Group) in Stuttgart, Hamburg and Paris – providing an in-depth knowledge on insurance sales and customer processes.

Gero has a Bachelor of Science in Business Administration and Management der Bentley University, MA, USA.

Rauno Sigur is the CEO and co-founder of DriveX Technologies, a technology partner for the insurance sector.
With an extensive track record in e-commerce and technology, he has worked in the insurtech space during recent years.
DriveX offers AI-assisted verification that enables remote inspections for vehicles.
Insurers, brokers, MGAs and other insurtechs such as ERGO, Gjensidige, IIZI and more are using DriveX services in their motor policy sales or claim management processes.
Companies can save cost, reduce fraud risk and provide a better, digital customer experience.
Rauno is a member of the Estonian Founders Society.

He has been leading implementation of marketing automation strategies for over 10 years now. He worked as Marketing Automation Consulting Director, being responsible for Customer Success Department and the implementation of SALESmanago for the key customers. He gained and used his experience working with companies such as Orange, Idea Bank, 4Finance, New Balance, Yves Rocher, Oriflame and many more. He manages Marketing Automation Academy that has certified over 500 marketing automation specialists across Europe. Currently he helps to introduce marketing automation strategiess for biggest e-commerce and B2C enterprises.

Ola Sroka-Krzyżak is heading strategy, projects and implementation of the digital transformation at PKO Bank Polski, and is also a member of PKO Corporate Venture Capital, responsible for the acquisition of start-ups.
Prior to PKO, Ola worked as a Partner at The Boston Consulting Group, an international strategic consulting company, she was associated with BCG for the last 12 years. She managed projects in the financial and insurance sector related to digital transformation, open banking, innovation strategies, including cooperation with Fintechs, improvement of efficiency and M&A processes. She has completed many projects abroad and worked for the BCG office in New York and Milan. She is a graduate of Finance at the University of Economics in Wrocław, she also studied Financial and Mathematical Analysis at the Malardalen University in Sweden. In addition to her professional work, Ola is involved in organizations whose aim is to support the managerial development of women, she is also a mentor in STEM and Empower.pl.

Aleksander is Head of Business Development for Tractable in Poland, where he leads the company’s work and supports leading insurers in automating their claims processes to be faster, more efficient and cost-effective. Aleksander’s work with PZU recently contributed to PZU and Tractable receiving the 2020 Innovations Award from Gazeta Ubezpieczeniowa.

Manager and innovator with several years of experience in the insurance and financial industries. He created insurance premium financing market in Poland. Prior to founding Bacca Cezary worked as management consultant for the biggest financial institutions in Poland and in the CEE.

Sergej Tolz is the COO/CSO of KASKO, an InsurTech providing the fastest and most flexible platform for insurance companies to digitalise and scale their product offering. He has 15+ years of experience in building, growing and managing companies, departments and teams and his strengths lie in people management, digital transformation, consultative sales, finance and product development. Prior to joining KASKO, Sergej gathered his breadth of experience at small and large companies, including Bloomberg, as well as at startups and completed the MBA program at INSEAD, which has consistently been ranked among the top 5 globally. Since 2016, he is focused on building KASKO into an industry changing and innovating InsurTech business.

Sales Manager with over 12 years of experience in Insurance, CFM, Marketing SaaS and Logistic Industries
Joined InPost in 2016 as Business Development Director and till today challenge with roles of Global Commercial Director and Interim Managing Director of UK Market.
Currently Global Accounts & SME Market Sales Director responsible for Polish “long tail” market and Strategic International Partners.

Since 2010 with PKO Bank Polski with initial assignment as Advisor to CEO, then since 2011 holding the position of Retail Client Division Managing Director with responsibilities for products portfolio and customers segments management within the retail area of the Bank. Head of Strategy & Digital Transformation Division. He also holds the positions of the Chairman of the Supervisory Board of Polski Standard Płatności and Member of the Supervisory Board of eService.
His professional career started in 2000 with Salomon Smith Barney in New York. It was continued in Warsaw office of The Boston Consulting Group (2002-2004) as well as in Pekao SA (2004-2010).
Graduate of Montclair State University in New Jersey, faculty Finance.

A graduate of the University of Silesia, Faculty of Social Sciences and the direction of Health Insurance at the University of Economics in Katowice. In the years 1999 – 2016 he worked in the financial and insurance industry, a. o. for Amplico AIG Life, ING, Pramerica, Signal Iduna, managing sales areas and specializing in the development of insurance products. Since starting work on the Employee Capital Plans project, he is a member of the inter-ministerial team that develops the assumptions of the Program. As a representative of the project team, he analyzed and consulted foreign solutions of employee savings plans.

At Visa, Katarzyna manages a team responsible for relations with acquirers and retailers, and acceptance growth in the region of Central Eastern Europe (Poland, Czech Republic, Slovakia, Hungary). She has more than a dozen years of professional experience in such sectors as banking, cashless payments and loyalty programs, and also in the FMCG industry. During her career, she has held a number of directorial positions with companies including Raiffeisen Polbank (formerly Polbank), POLCARD, and Premium Club. Most recently she was the President of the Management Board of Paymax S.A., a company providing a solution which enables card acceptance via payment application installed on a phone / tablet and mPOS Paymax card reader.