Speakers

A dynamic business leader seasoned in Technology, eCommerce and Payments.
For over 15 years commercializing digital and digitizing businesses in developed and developing markets. Experienced in marketing, sales and strategy departments; lawyer by education, graduate of the European Executive MBA. Worked at the C-level for Tesco Central Europe, PayU Poland and Central Europe, Avon, Philip Morris and Oriflame. The member of supervisory boards of technology and fintech companies and member of the board of the Polish Chamber of Information Technology and Telecommunications. She has been supporting women and start-ups with mentoring since 2012; awarded the Digital Champion Award by the Forum of Digital Business Leaders in 2016 and the Charismatic Leader award of WhyStory in 2017. Currently General Manager of Edenred.

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.

The PKO Bank Polski Management Board President since October 2009, with appointment for a new term in 2011. Prior to this he was the Pioneer Pekao TFI S.A. Management Board President for nearly nine years. Also, within the global structure of Pioneer Investments he was responsible for the CEE region distribution. In the late 1990s he was, among others, active in establishing PKO/Credit Suisse TFI S.A. investment funds company, in the function of its first Vice-President. In his more than ten-year long career in the financial markets he can be credited, among other things, with:

• Successfully steering PKO Bank Polski through the critical period of turmoil in the international financial markets, while strengthening the Bank’s position of leadership in terms of assets, equity funds and earnings in Poland and the CEE region;
• Development and implementation of the PKO Bank Polski’s strategy for the years 2010-2012, which resulted in strong efficiency gains as measured in terms of ROE, ROA and C/I ratio as well as in increased interest in the company among domestic and international investors (PKO continues to lead the market in terms of the value of its free float and as a major corporate debt issuer )
• Adjustment of PKO Bank Polski to the requirements of the ever more competitive financial market through increased attractiveness of its product offer and quality of its customer service;
• Refocusing of the PKO Bank Polski Group’s operational model toward its core activity of providing financial services.

Zbigniew Jagiełło is actively involved in development and promotion of the most demanding financial market standards in Poland. He is a member of the Council of the Polish Bank Association and of the prestigious Institut International D’Etudes Bancaires, which brings together the international banking community. His previous functions included, among others, that of the Chairman of the Chamber of Fund and Asset Management.
A graduate of the Wrocław Technical University, School of Computer Science and Management, he also completed Postgraduate Management Studies at the Gdańsk Foundation for Management Development and the University of Gdańsk, with Executive MBA certified by the Rotterdam School of Management, Erasmus University.
The President of the Republic of Poland decorated him with the Officer`s Cross of the Order of the Rebirth of Poland and he was awarded the Social Solidarity Medal for promoting the idea of ​​corporate social responsibility. His is the Deputy Chairman of the Programme Council of the PKO Bank Polski Foundation, an entity formed at his initiative in the year 2010.
Chosen the CEO of the Year 2011 by Parkiet daily; the recipient of the Wektor 2011 granted by the Polish Employers’ Chapter and of the Golden Banker in the Personality of the Year 2011 category; he was also lauded the Manager of the Year 2011 in a competition ran by Gazeta Bankowa. In the year 2012, Bloomberg Businessweek Polska singled him out as one of the Top 20 Managers in Crisis.
In 2013 Zbigniew Jagiello was honoured by Bank monthly with the title of “The Innovator of Banking Sector 2012”, and received the title of “Visionary and Man of the Year” from Brief monthly and Dziennik Gazeta Prawna daily in appreciation of his contribution to financial sector development, his consistency in strengthening Bank`s position of market leadership and determination in changing its image.

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).

Grzegorz Jurczyk graduated from the Warsaw School of Economics, majoring in Foreign Trade. In 1994-1997 he was a consultant at Bain & Company, in 1998-2002 he worked at Fiat Bank Poland S.A., initially as Director of Sales and Marketing Department, and since 2000 as member of the Management Board. In 2003-2006, he was member of the Management Board and Executive Vice President at Santander Consumer Bank. In 2006-2007, he held the position of Sales Director for Automobile Products in Central and Eastern Europe at General Electric International. From 2007 till 2009, he was Deputy President of the Management Board at GE Money Bank, and following the merger with Bank BPH he was a Deputy President of the Management Board responsible for the Marketing and Product Management Division as well as Sales Division and since 2013 for Commercial Banking Division. In 2016 he became CEO of BPH Bank following the spin-off transaction.
Since February 2018 he is CEO of BNP Paribas Cardif in Poland – an insurance company.

Piotr Kicinski has near 20-year-experience on the financial market (Citibank, Fortis, the KBC group). In his career he held managing and administrative positions within areas of risk management, product development and sales management. He joined the Cinkciarz.pl group in 2012. Since 2014, he is a Vice-Chairman of the Board. Cinkciarz.pl is one of the fastest growing companies in East and Central Europe. The services of the leading online currency exchange company can be used by companies and institutions settling with foreign contractors as well as individual clients. Since 2010, the company has been successfully functioning on the fin-tech market. The system of solutions provided by the company is an innovative financial product designed and implemented in its entirety by the team of the most skilled IT specialists employed by the company. The company is a member of the SWIFT organization, which includes the largest banks and financial institutions in the world. Soon the brand will enter the market of new financial services. In April this year, a company from the same capital group as Cinkciarz.pl has acquired a Payment Institution License. On the basis of an agent agreement, Cinkciarz.pl can also use said license. This means that the services of the company will not only include currency exchange, but also money orders and payments. In 2013 Cinkciarz.pl became the first Polish financial company to open an international office in London. In 2015 the company opened a representative office in Chicago, in the prestigious Michigan Avenue. Piotr Kicinski, Vice-Chairman of the Board

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.

She joined the board of Nationale-Nederlanden in January 2020. As a Chief Customer Officer, she is responsible for planning and developing activities that will help build lasting relationships with clients. The area she deals with as a board member is one of the key pillars of the strategy implemented in the company.
Magdalena Macko-Gizińska is the leader and an leading expert in the field of building relationships with customers. She gained her experience and skills in this area during several years of work in the financial industry. Previously she worked in ING Bank Śląski, where she was the Director of the Customer Experience Expert Center. Previously, her career has developed in Millennium Bank, where she was responsible, among others, for the quality and standards of customer service and the area of operations.

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.

Michał is a member of the board of Billon Solutions – the first and only e-money institution licensed by KNF in Poland. Previously, he served as the head of corporate strategy at T-Mobile Poland and worked at McKinsey helping financial institutions and telecoms. He was instrumental in setting up T-Mobile – Alior Bank cooperation under T-Mobile Banking Services brand, as well as in setting up radio access networks (RAN) sharing deal between T-Mobile and Orange, one of the most advanced worldwide. Having understood the possibilities of Billon’s technology, Michał decided to join the team, believing that Billon’s technology is one of the most mature, full-stack blockchain implementations in the world, with architectural design features that facilitate mass-scale adoption.

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.

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.

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.

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 manager with long-term experience in the field of debt collection, debt restructuring and customer experience management. Her professional career started at the position of Debt Collection Specialist at Citibank Handlowy to follow to Coach at Citifinancial. The following years brought new managerial experience in financial institutions. She is a member of the Management Board at Global Collection Management, a company dealing with e-commerce debt collection. She participated also in the establishment of new financial institutions in the Polish market. One of those, apart from Polbank EFG and Citifinancial, is Vivus.pl. It is due to her efforts that the Customer Care Department of Vivus was three times distinguished with the Customer Experience Quality Star. She is a graduate of Gdynia Maritime Academy with Major in Business Management. She completed also a post-graduate course at the Warsaw SGH School of Economics.

Credit risk executive with over 20 years’ experience in retail & consumer finance business in banking and non-banking international institutions.
Experience gained among others in Raifeissen Bank, KBC Consumer Finance (Kredyt Bank and Żagiel) and Provident Polska.
Responsible for all aspects of credit risk management: credit policy and underwriting process, scoring models, portfolio monitoring and analyses, customer risk segmentation, collection & debt recovery strategies, fraud management, operational risk, information security , AML and BCM.