Advisory Board

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.

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.

Cezary Stypułkowski (born in 1956) – Doctor of Juridical Science. In 1979, graduated with honours from the Faculty of Law of the University of Warsaw.
From 1979, assistant lecturer in the Faculty of Law in the Department of National Economy Management. In 1989, defended his doctoral dissertation in the Faculty of Law.
In 1981, appointed as advisor to the minister in the Bureau of Governmental Representative for Economic Reforms.
In 1985, appointed as advisor to the chairman of the Advisory Economic Council; from 1987 to 1988 worked as advisor to deputy prime minister and as Secretary of the Committee of the Council of Ministers for Economic Reforms.
In late 1980s, studied at Columbia University Business School in New York as a member of the Fulbright Program. From 1991 to 2003, president of the management board of Bank Handlowy in Warsaw. From 2003 to 2006, president of the management board of PZU Group. From 2006 to 2010 employed with J.P. Morgan, investment bank in London, from 2007 as managing director responsible for Central and Eastern Europe. Since 2010, president of the management board of mBank (formerly BRE Bank).
Cezary Stypułkowski was a member of the Deutsche Bank Board International Advisory Board, INSEAD International Advisory Board and the Geneva Association. Since 2012, co-chairman of the Emerging Markets Advisory Council of the Institute of International Finance in Washington (IIF).

Tomasz Czechowicz – a graduate of Wroclaw University of Technology, Warsaw School of Economics and Executive MBA at the University of Minnesota.
Entrepreneur since 1985 . For over 20 years, the investor Venture Capital / Private Equity. Founder and Managing Partner of MCI Capital – one of the leading european private equity funds, specializing in investments in new technology and digitization. In the years 1990-1998 co-founder and President of JTT Computer SA – a leading computer manufacturer in Central Europe with revenues exceeding $ 100 million.
One of laureate the list of ” Top Managers 2015″ by the magazine Bloomberg Businessweek Poland. Speaker at many conferences, PE/VC, including Noah. Member of the Supervisory Boards and advisory bodies of portfolio companies MCI Capital in Europe . Already in 2001 World Economic Forum in Davos awarded Tomasz Czechowicz the title of Global Leader for Tomorrow by extraordinary market timing, professionalism, vision and organizational effectiveness. The title of one of the ten most influential people in the European Internet in the TOP 10 Business Week in 2000.

Witold Abramowicz is a full professor and the chair of Department of Information Systems at The Poznan University of Economics (PUE), Poland, and founder of SmartBrain – Smart and Big Data Research and Innovation Center, whose goal is to conduct research and innovation activities in economy and public administration in the field of Big Data.
His particular areas of interest are Big Data, Data Analytics, Information Retrieval and Filtering, Knowledge Management in MIS. He received his M.Sc. from The Technical University of Poznan, Poland, Ph.D. from The Wroclaw Technical University, Poland, and habilitation from The Humboldt University Berlin, Germany. He worked for three universities in the Switzerland and Germany for twelve years. He is an editor, author or co-author of 44 eight books (published mostly by Springer and Kluwer Academic Publishers) and over 300 book chapters, articles in various journals and conference proceedings. He chaired 28 scientific international conferences and was a member of the program committees of over 400 other conferences. He is member of the editorial boards in some international journals like Business & Information Systems Engineering, AIS Transactions on Enterprise Systems, Journal of Service Science, Management, Engineering and Technology, Enterprise Modelling and Information Systems Architectures – An International Journal. Currently Professor Abramowicz is and was involved – also as coordinator – in ten research projects in the 6th and the 7thFramework Program EU, other international projects and many national founded projects. He supervised twenty PhD dissertations. Professor was professorships’ and doctoral theses’ reviewer in Australia, Austria, Germany, Ireland, the Netherlands, New Zeeland, Poland and in the Switzerland. He is vice president of the Polish Association of Management Information Systems.
Professor Abramowicz has also experience in working in international consulting firms as well as in Polish and foreign industry as CEO, President, Vice-President and Member of Boards of Directors but also as expert.
Department of Information Systems at Poznań University of Economics has received in 2015 two BIG DATA: THINK BIG CEE CONGRESS Awards: Innovation Poland 2014 for the Team and Big Data Man of the Year for Professor Witold Abramowicz. In 2014 he received the prestigious title of the Visionary Member of SAP UA for his education activities in the area of Big Data.

In 1990-1998 he worked in Pomorski Bank Kredytowy S.A. in Szczecin. He was responsible for the management of the bank`s transaction systems: including designing, development, implementation and operation phases. In 1999-2010, he held the position of the Director of the IT Systems Development and Maintenance Department in Bank Pekao S.A.
From 2005 to 2010 he was the Chairman of the Supervisory Board of KIR. In 2010-2016 he held the position of the Vice-President of the Management Board supervising the Area of Information Technology and Services at PKO Bank Polski S.A. His responsibilities included integration of Inteligo to the bank`s systems, merger and integration of Nordea Bank Polska to PKO Bank Polski S.A.
He graduated from the Faculty of Mathematics and Physics at the Adam Mickiewicz University of Poznań.

Brunon Bartkiewicz has held positions within ING, both in Poland and the Netherlands, since the 1990’s.
In 1995, Brunon was appointed CEO of Bank Śląski, which position he held until June 2000.
As of then, he was General Manager and Management Board member at ING Direct NV, responsible for credit, market and operational risk, operational and IT support.
He returned to ING Bank Śląski (Poland) as CEO in 2004 and held the position until 2010. At that time he became member of the General Management Team at ING Direct, responsible for activities in Spain, Italy, France, Great Britain and Australia. As of 2012 he was in charge of ING operations in France, Italy, Poland, Spain, Romania and Turkey.
As Chief Innovation Officer at ING Group (since 2014), Brunon Bartkiewicz played a major role in accelerating ING’s pace of innovation, developing and promoting innovative ideas and solutions, applying new technologies and delivering speed-to-market of successful ideas.
In 2016 he returned as CEO of ING Bank Śląski. Brunon Bartkiewicz is a graduate of the Main School of Planning and Statistics in Warsaw (currently, Warsaw School of Economics) with a degree in Economics at the Foreign Trade.

Mr. Mariusz Cholewa is a graduate of the University of Gdańsk, the Faculty of Management. In 2005 he obtained his PhD Degree in Economics. He also completed postgraduate studies in Banking and Finance, with the specialisation in Investment Banking, conducted by the London Guidhall University, the Gdańsk Banking Academy and the University of Gdańsk.
In the years 1993 -1998 he cooperated with the Gdańsk Banking Academy, as a Management Board member, participating at the same time in the research on the financial restructuring of enterprises and banks pursued by the Gdańsk Institute of Market Economics. In the years 1995 -2003 he was an associate professor at the Faculty of Management at the University of Gdańsk. In the period of 2007 – 2010 he was the CEO of Bank Rozwoju Cukrownictwa S.A. In 1998 Mariusz Cholewa joined Bank Handlowy w Warszawie S.A. (Citi Handlowy), where he held a number of managerial positions, and till April 2013 he was the Director of the Strategy Department. He was a member of supervisory boards of many companies for e.g.: banks, investment and insurance companies including public granted companies. In the years 2012 – 2013 he was a member of Biuro Informacji Kredytowej S.A. Supervisory Board.
He has been the President of the BIK Management Board since June 2013. He is also the President of the Supervisory Board of BIG InfoMonitor S.A. – Economic Information Bureau.
Since June 2017 he has been the VicePresident of the Management Board of ACCIS (Association of Consumer Credit Information Suppliers) that represents the largest group of credit registers in the world.

For the last 20 years, Jarosław Dąbrowski has been actively involved in the development of the international financial sector, with particular emphasis on Poland and the CEE Region. During his career, he held many managerial roles, as a member of Management Boards and Supervisory Boards, where he acquired extensive expertise in initiating and developing projects, such as investment banks and Private Equity funds.

Currently, Jarosław Dąbrowski focuses on international transactions initiated in the CEE Region. He combines international capital with Polish business projects from sectors such as financial (in particular banks, insurance), digital economy (e-commerce and fin-tech) and traditional industries (industrial production, development and construction industries).

Among the latest successful closings in which DFCM managed by Jarosław Dąbrowski participated there are: Netrisk.hu, SMEO and Punkta.

Daniel has over 10 years’ of experience in building digital products and services in Poland and the United States. During his career he globally managed Portfolio of Mobile Products available in nearly 100 countries, lead FinTech Innovation Program for Institutional Clients and advised government agencies, national banks, regulators and Fortune500 companies on emerging financial technologies.

Krzysztof Domarecki – an entrepreneur and investor with a degree in Law from the University of Wrocław, Poland. Since 2009, he has been actively investing in the Venture Capital funds market. His investment fund, Fidiasz FIZ, provides young businesses not only with comprehensive financial support, but also with assistance in terms of business and management competencies, so they can put their innovative products or services on the market and then expand internationally.
The first investment made by Fidiasz is FinAi, a Polish technological company from the fintech sector, founded in 2016. With the support from Krzysztof Domarecki, this firm developed and launched an innovative credit platform designed to help customers on their way to a bank loan. At present the company is also working on services which facilitate remote sales: operational and credit risk management models based on data that are absolutely new to the sector.
In addition to VC investments, Krzysztof Domarecki has been active in the construction chemicals market for more than 25 years. He is a founder and now Chairman of the Supervisory Board of Selena FM, one of the world’s top three manufacturers of mounting foam, best known for its flagship brand TYTAN. The Group’s range of products is available in more than 70 countries around the globe. Since 2008, Selena has been listed on Warsaw Stock Exchange. In 2017, Selena’s revenues totalled over 1 billion PLN.
For his business achievements Krzysztof Domarecki won a Social Responsibility award in Ernst & Young’s Businessman of the Year contest, was named Person Who’s Transforming the Polish Industry by Nowy Przemysł monthly and received Mayor of Wrocław’s Award in recognition of ‘placing Wrocław’s economy in a global network of connections, and creating a recognisable company brand’. In 2018, he was recognised as ‘Personality of Lower Silesia’ as part of the Lower Silesia Economic Plebiscite.
Krzysztof Domarecki’s non-business interests include philosophy, history, and theory of globalisation.

Jacek Figuła, Chief Commercial Officer of Billon, with +20 years’ experience in sales leadership and team leading in global corporations: CISCO, UPC, Nortel, DEC and Siemens. At CISCO, he has been leading transformational projects in CEE. At Nortel, Jacek was holding a position of the General Manager of Polish affiliate and multiple sales roles. Holder of MBA at POU – Thames Valley University in London and MSc at EFP – Franco-Polish School of New Technologies in Poznan.

Visionary strategist, who values people and human resources.
Expert in customer care.
Sets the direction for the company development and manages its operational activities.
His belief in team-working and team spirit shaped Alfavox into a successful strong player on a very demanding international market. He incorporated partnership with the customers into the core strategy of the company, adjusting the offer to the needs and possibilities of the companies from the Enterprise and SMEs sectors.
As a result of his work, Alfavox operates in 12 countries, implementing projects for companies such as Aviva Group, T-Mobile Usługi Bakowe [T-Mobile Banking Services] and Virgin Group.

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.

Since January 2014 Paweł has been the Director of the Services and Consulting Department and a member of Leadership in the Polish branch of Microsoft. Paweł joined Microsoft almost 5 years ago as FSI Lead in EPG segment. Together with the team he was responsible for serving the largest Polish banks and insurance companies. As a result of his consistent delivery and ability to build sustainable business Paweł was awarded a Platinum Club FY13. Additionally, he proved his seniority and leadership in couple of initiatives e.g. Microsoft Executive Circle or board membership in Banking Technology Forum of the Polish Banking Association. Before joining Microsoft, Paweł spent 15 years on FSI market on business side in Kredyt Bank, Gerling, Zurich Financial Services as Sales & Marketing Director including executive VP/Board Member role in Zurich/Inter. He was responsible for 5 years for sales and marketing in Software AG, leading web Methods division and BPM team and delivered the significant business growth in Poland. During the merger with WebMethods he was responsible for the area of business processes and middle ware.

Dr. Jerzy Kalinowski, partner in KPMG Management Consulting, responsible for Technology, Media, and Telecommunications (TMT) sector in Central & Eastern Europe. Head of Digital Innovation and Startups.
Jerzy joined KPMG in 2004, and he specializes in strategic and operational consulting for TMT sector companies. He has delivered consulting projects for telco companies in over 15 countries. Prior to joining KPMG, he worked on C-level positions in various companies: as CEO of AMG.net (currently Atos Polska), CEO of i-start.pl (Venture Capital fund focused on investment into digital startups), and as chairman of supervisory board of Optimus Group (being also the member of supervisory boards of Onet.pl, PAGI, Optimus Lockheed Martin, Optimus real Estate. Earlier, Jerzy was director of strategic consulting in PricewaterhouseCoopers, responsible for telecommunications sector in Poland. He started his professional career as Assistant Professor at the Institute of Telecommunications, Warsaw University of Technology. Jerzy worked also in technology R&D in Poland and USA.
Jerzy holds M. Sc. In Electrical Eng. from University of Rochester (USA), M. Sc. In Telecommunications, and Ph. D. in Computer Eng. both from Warsaw University of Technology, and he completed also Management Development Program at IMD in Lausanne.

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.

Marta is a passionate entrepreneur and avid champion of diversity in the fintech industry.
As a Polish expat, Marta experienced first-hand how challenging it was to send money home. She joined Michael Kent, CEO, and Marek Wawro, CTO, in 2012 to co-found Azimo and drastically change the way people living abroad send money to their family and friends.
As General Manager and Co-founder, Marta oversees day-to-day operations, works closely with the CEO to scale the business and is responsible for all staffing processes and decisions across the UK and Poland, where she opened Azimo’s second office in late 2013. In the past two years, the company has seen 100 per cent growth in personnel, raised over $40million in funding and is amongst the fastest-growing fintech companies in Europe.
Prior to Azimo, she built her first business, Travelnity, a social media website for travellers and expats, rapidly growing the business in times preceding Facebook’s success. From there, she ran high-profile events in London and New York City for London 2012 Olympics and Somerset House.
Marta was recognized by Forbes as one of Europe’s 30 Under 30 for Finance, by Innovate Finance as one of 100 most important Women in Fintech in 2014 in the UK, by Business Insider as one of 40 coolest people in UK Fintech and by Puls Biznesu as one of 10 most important Polish Businesswomen in 2015. Marta holds a Masters in Organisational Psychology from Jagiellonian University in Poland and a Management degree from Columbia Business School.

Graduate of Warsaw School of Insurance and Banking (now Vistula University).
His career began in 2001 with KPMG consultancy, where for five years he managed an array of projects for financial institutions, including in the scope of internal processes optimization and profitability improvement. In 2006 he took over as credit card portfolio manager at Polbank EFG, with responsibilities covering partnership programmes and increase in credit card portfolio profitability.
With Visa since March 2011, Adrian Kurowski ran for three years a consulting practice for Central Eastern Europe, having carried out many projects focused on implementing new product strategies and optimizing card portfolio management in Poland, Czech Republic, Slovakia and Hungary.
As from October 2014, he is Country Manager for Poland, Visa.

Sławomir Lachowski is the founder of mBank and MultiBank – retail banks in the BRE Group. Sławomir worked at BRE Bank for nearly 8 years, and from November 2004 to March 2008 he was the President of the Management Board of BRE Bank.
Prior to that, form August 1998 to May 2000, he was a Vice-President of PKO BP and from February 1994 to July 1998, a Vice-President of Powszechny Bank Gospodarczy, being a part of the Bank Pekao SA Group.
Between 1983 and 1991, Sławomir was an employee of the Institute for Economic Development at the Warsaw School of Economics. He took part in the work of the team which under the leadership of Leszek Balcerowicz worked on the assumptions for the transformation of the centrally planned economy into a market economy. He is an author of several articles and papers on financial restructuring, privatisation, management and strategy as well as innovation. Books published: Disruptive Innovation in Banking: A Business Case in Low-Cost Finance. How to Win Against the Leaders by Creating Strategic Competitive Advantage and Real Value for Customers. (2009); The Journey Not the Destination. Values in Life and Business (2011); Values in Action. Leadership in turbulent times. (2013)

Adam Łącki is a graduate of Poznań University of Medical Science with specialization in management of health care institutions. He began his professional career in Polish branch of Johnson&Johnson group where he was later appointed Regional Sales Manager. Later he managed several branches of debt recovery companies. Since 1st March 2005 Adam Łącki has held the position of the President of the Management Board of the KRD Economic Information Bureau. Under his direction, KRD has become a fixed element of Polish economy by way of creating Polish nationwide system for economic information exchange. In 2014 Adam Łącki was named by ‘Gazeta Finansowa’ one of 25 best finance managers in Poland. Also this year he was elected vice-president of the Conference of Financial Companies in Poland.

Jarosław Mastalerz graduated from the University of Łódź, Economics and Sociology Department (specialization: foreign trade) and Management Department (specialization: management accounting). He holds a certificate of The Association of Chartered Certified Accountants.
In 1996-1998 he worked as a consultant in PricewaterhouseCoopers. His publications concerned accounting of the National Investment Funds. In 1998 he started to work for the Zurich Group. Initially, he was responsible for the organisation and market strategy of the pension fund, and then he took over the position of the Marketing Director and the Member of the Management Board (participated in making the advertising campaign introducing the Zurich brand on the Polish market). Since 2000, he was a Member of the Management Board responsible for the retail client segment of the Zurich Group in Poland, and from 2001 – the Financial Director. Until the end of June 2006, he was a Member of the Management Board and the Financial Director of Generali T.U. S.A and Generali Życie T.U. S.A. Since 1 January 2003, he was responsible for the financial department, the actuarial office, controlling and bancassurance. In 2002, he participated in the process of merging Zurich companies with Generali companies.
Since 2006 he has worked at the BRE Bank Group, where he was a coauthor of the insurance project BRE Ubezpieczenia, and he held the position of the President of the BRE Ubezpieczenia and BRE Ubezpieczenia TUiR Management Board. In August 2007, the Supervisory Board appointed Jarosław Mastalerz as member of the Management Board of BRE Bank SA, Head of Retail Banking, and entrusted him with the coordination of all the business and communication activities of mBank in Poland, Czech Republic and Slovakia, as well as MultiBank, Private Banking and Aspiro SA, a subsidiary set up during his term of office. For nearly five years as head of the Retail Banking of BRE Bank SA, Jarosław Mastalerz implemented a range of product and technology innovations (in particular in the area of credit products available via the remote channels, affluent client service and mobile banking).
Since 1 April 2012 he has been in charge of Operations and IT.

Piotr Nowak graduated from the Faculty of Cybernetics at the Military Technical Academy in Warsaw and School of Economics in Warsaw majoring in Finance and Banking. He is also a graduate of doctoral studies at the School of Economics and an Executive MBA program, run by the Warsaw University of Technology in collaboration with the London Business School, HEC School of Management Paris and NHH in Bergen. Mr. Nowak is a holder of CQF title – Certificate in Quantitative Finance. Graduate of the “International Security” post-graduate program at Stanford University in the US. Associated with financial markets since 2004. First as a foreign exchange dealer at PKO BP, then from 2005 to 2006 as a trader at CALYON Corporate & Investment Bank, where he was responsible for bonds and derivatives on interest rate in the region of Central and Eastern Europe. From 2006 to 2010 he was vice-president in London hedge fund belonging to the group Swiss Re, where he was dealing with the Global Macro strategy including debt instruments, indices, derivatives and currencies of all emerging markets. In the period of 2010-2011 he was working as a prop trader at Espirito Santo Investment Bank of Poland, and from 2011 till 2014 at PKO TFI, as deputy director of the department of management of debt securities` portfolio. At the beginning of 2015 he began working as the expert on economic issues at the President`s Office, then from October to December 2015 he was working in Money Makers TFI SA

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.

Leszek Skiba specializes in macroeconomics. He graduated from Warsaw School of Economics (SGH) majoring in international economic and political relations (2002). Then, until 2009 he was a research scientist at the School of Business – National Louis University. From 2009 to November 2015 Mr. Skiba was employed at the National Bank of Poland (NBP), initially in the Bureau for the Integration with the Euro Area, and from 2011 at the Economic Institute, where he was in charge of the analysis of the economic situation in the Euro zone, the functioning of Economic and Monetary Union and the preparation of macroeconomic projections for the Euro area that contributed to NECMOD model. Mr Skiba is the co-author of, among others, the last Euro area report of NBP Economic challenges of Polish integration with the Euro area. Since 2009 he has cooperated with the Sobieski Institute first as an expert, then a board member and since 2013 Chairman of the supervisory board of the Institute. He is the author and co-author of reports on the political economy concerning the decision-making center of government in modern European countries as well as on the structural reforms to support growth of the Polish economy. Leszek Skiba collects historical atlases from different European countries. He is married and has two children.

Wojciech is a Partner in EY Poland TET team, leading EY Poland technology advisory for insurance companies. He has worked as a business architect across large transformation programmes. Currently, he is responsible for several digital enablement programmes, across Poland and Europe, including core platforms, robotics and portals. He is also responsible for the Insurtech programme run by EY and the Heart, as well as Agile Enterprise initiative.

Manager with an extensive, international experience gained while working for the global consulting companies. I managed and delivered projects on three continents and lived in eight different countries. After ten years of corporate life, spent mainly in the energy sector, the time has come for a radical change – nowadays, as a General Manager Poland in viafintech, I keep discovering the multitude of great business models and ideas in the fintech space. Together with my 70 colleagues we are busy “digitalizing cash” and building the largest, bank-independent cash infrastructure network in Europe.

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.

Artur joined Google in 2006 to head it`s Polish operations and soon after started growing Google`s business presence in the CEE region, including opening offices in new countries. As Regional Business Director for CEE, he now oversees company`s operations in the region and is responsible for designing and implementing Google`s business development strategy in the region. Before joining Google, he was Member of the Board and Director of the biggest Polish online portal Onet.pl, a company he helped build from it`s beginnings in 1996. He graduated from the Faculty of Management and Marketing of the Cracow University of Economics, Poland.

Sonia Wedrychowicz-Horbatowska joined DBS Bank in February 2015 as Managing Director and COO of the Digital Bank division. She brought over 20 years consumer and commercial banking experience. In September 2016, she was promoted to Singapore Consumer Banking Group Technology Head, and in March 2018, she was appointed the Head of Corporate Bank Ecosystems, responsible for the overall Corporate Digital Ecosystems strategy, framework and partnership development across the region.
Sonia is the former Country Head of Consumer Bank at Standard Chartered in Malaysia. She was responsible for the strategy, development, and management of the bank’s consumer business. She also chaired the bank’s financial education programme initiative and was part of the bank’s Women Initiative Network.
Starting her banking career in Citibank in 1994, Sonia rose through the ranks and held various roles in transaction banking before becoming the Deputy CEO and Head of Consumer Banking in Citi Poland.
She also held other leadership roles including Chairman of the Board of Junior Achievement Foundation, Member of the Supervisory Board of Handlowy – Leasing S.A., and Member of the Supervisory Board of Bank Handlowy Brokerage House.
Sonia holds a Master’s degree in Foreign Trade from Warsaw School of Economics and a BA in European Business Studies from Brunel University in London. She lives in Singapore with her husband and two children. She is a passionate traveller, cook and black belt in American kickboxing.

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.

Graduated from the Koźminski University in Warsaw with a degree in Marketing, Management and Finance & Banking. His wide-range knowledge in the field of strategic management he acquired at the School of Economics and Management at Lund University in Sweden. Moreover, he accomplished International Consulting training in Audencia Nantes Management School. He gained his experience i.a. at Frosta A.G. in Bremerhaven, where he reported directly to the Marketing Director. He performed functions of general director of the Association of Frozen Foods, that brings together dozens of biggest producers of frozen food on Polish market, including representatives of global brands such as: Unilever, Farm Frites, Bonduelle. While working in the Warsaw International Fair he has contributed to organisation of three editions of the largest motor show in Poland – Warsaw International Motor Show. Subsequently, he worked in Expomedia Events Warsaw, where he held the position of director for business development and sponsorship relations. The next stage of his career was transition to conference sector.