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.

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.

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.

Artur is a Business graduate of Georg-August Universtiy Göttingen in Germany, Warsaw School of Economics and INSEAD. Artur gained his major experience among others for Accenture Strategy, leading projects around cost reductions and digital transformation mainly in banking andmanufacturing. Among others Artur worked with HSBC, Deutsche Bank, Airbus and Audi.
In his current role, as a Senior Manager at SAS, Artur is responsible among others for strategic initiatives and collaboration with startups in the fintech and insurtech space in SAS’ ecosystem.

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.

Kamil Gorczewski graduated from Experimental Physics (spec. Medical Physics) at the University of Silesia in Katowice, and then obtained the degree of Doctor des Humanwissenschaften at the medical faculty of the Eberhard Charles University in Tübingen in the field of neuroradiology. For 15 years he conducted research and implementation research in clinical diagnostic centers. From the very beginning, he has been closely associated with the Oncology Center in Gliwice, currently the National Oncology Institute. From 2012, as the deputy head of the Department of PET Diagnostics, he was responsible for running a radiopharmaceutical plant in Gliwice and the commercial sale of FDGtomosil. In 2017 he moved to Siemens Healthineers and as a product specialist he was responsible for the Magnetic Resonance branch, and in 2019 he became the manager for scientific and clinical cooperation and the leader of the cardiology expert group for the region of Europe, Middle East and Africa. In his work, he is responsible for research collaboration projects with clinical partners that turn ideas into prototypes and prototypes into products.

Graduate of Gdansk University and Kozminski University in Warsaw.

Jakub has started his career in the financial industry in 2000 with UniCredit Group, where he rose to the position of Card Business Head. He subsequently worked for Citigroup and Mastercard. Most recently, he was responsible for the digital channels of PKO Bank Polski, including mobile and internet banking as well as product sales in digital. He also served on the supervisory boards of eService, Polski Standard Płatności and ZenCard.

Jakub joined Visa in March 2018 as Head of Product for Central Eastern Europe, responsible for the development and deployment of payment products, including debit and credit cards, mobile payments, tokenization, loyalty and benefits.

Simon has a background in behavioral economics, machine learning and design psychology, and has been a driven force of the development of the field behavioral design in Denmark and Scandinavia. Simon was a co-founder of /KL.7, the leading danish design agency specialized in strategic behavioral design, and has joined Penni.io as Head of Customer Success. His focus for the last 8 years have been on designing products in the financial sector, on the basis of how humans (the ordinary ones) perceive and use financial product (natural financial wellbeing), and with the clear focus of how to build a symbiotic, expanding and mutual beneficial relationship between the core business and the users behaviour. In many cases, this means fitting the business with the behaviour and not the other way around.
Furthermore Simon has written 4 books on behavioral design, one on strategic use of data and co-written one on design of habit-forming digital products, and is frequently used as a public speaker.

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.

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.

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).

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.

Hedi Mardisoo, the company’s CEO/Co-Founder, has more than 15 years of international management experience in banking and business development. Her passion is data & person-centric approach in designing services and educating people on how to benefit more from their data. Hedi has been the founding member of MyData.org. In 2019 Hedi, together with Cachet, was been nominated for several Estonian Startup Awards. In 2020 Sifted. eu listed her as a fintech Female founder to watch and 2021, Cachet among the 26 most disruptive Insurtechs by VCs.

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.

Adam has over 20 years of experience as an entrepreneur and senior executive, and has been an angel investor for over a decade. He has co-founded several companies – including Expander (acquired by GE Capital / Aviva) and Platinum Bank (investors include Goldman Sachs, Warburg Pincus). Previously, Adam spent 15 years at Bank Pekao (UniCredit Group), most recently as Deputy CEO.

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.

Experienced entrepreneur, One of Forbes’ 30 Under 30 (2018) list. CEO and founder of ZEN.

Co-founder of the global auction site for gamers with 20 million customers from over 170 countries. Established in 2010, which has become one of the largest platforms for digital products in a few years.

When creating ZEN, he used his many years of experience to create a fresh, innovative product for e-commerce. Its mission is to make entrepreneurship easier, and to help companies scale effectively in international markets.

Dawid is an expert in reading the market and predicting trends. His visionary approach to leadership in the company made many new products and ideas a success worldwide. He is currently focusing solely on ZEN development.

Bartosz Sawicki has over 15 years of experience in banking, where he designed and developed both, traditional and innovative products and financial services.

He worked for large European banking groups (Millennium bcp, BNP Paribas), where he was responsible for product development and management, customer strategy management and CRM. Moreover, he led strategic development projects in the Consumer Finance and Automotive industries. He has successfully managed teams responsible for marketing and sales channels for financial services.

Since 2019, at The Heart, as the Managing Director Banking & FinTech, he has been responsible for project supervision in the field of Technology Scouting and Venture Building in the area of banking and Fintech.

Tomasz Sękalski – Member of the Management Board at Plus Bank S.A., banking and fintech expert with extended financial and legal knowledge. C-level & Executive manager with almost 20 years of experience. Graduate of Law Department at Łódź University, he has also finished postgraduate studies at Warsaw School of Economics in the field of Bank Management. He is qualified by the Ministry of State Treasury to sit in the Supervisory Boards of the state-run companies.

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.

Artur Skalski has been supporting SAS for 10 years in designing Business and Customer Intelligence solutions.
He gained broad experience by participating in SAS projects, previously working in telecommunications and consulting companies.
He is a graduate of Warsaw School of Economics and Warsaw University of Life Sciences.
Participant of the CEGISM program of the European Center of Excellence at the Institute of Spatial Management and Housing,
winner of the Minister of Infrastructure’s distinction for innovative use of geomatics techniques in spatial development planning.

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 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.

Ewa Szmidt-Belcarz assumed the position of President of the Management Board of Empik Group in February 2015.
Since 2007 she had worked at McKinsey & Company where she became the first woman in the history of Polish McKinsey office who was promoted to the position of Global Partner and guided Retail Sales Division and Consumer Goods. She had successfully advised many companies in the development of strategies, improvement in operational efficiency and optimization of sales in Poland and the region. In 2006-2007, she had worked at Cadbury Trebor Bassett , a division of Cadbury Schweppes in the UK, where she had dealt with the UK’s largest brand of chocolate, Cadbury Dairy Milk. In 2005-2006 in the German headquarters she had managed the development of the Schwarzkopf brand portfolio in international markets (eg. France , Spain, Germany and CEE). In 2004-2005 she had served as Product Manager in the Polish branch of L’Oreal.
Ewa Szmidt-Belcarz has a dual master’s degree in the Faculty of Management School of Economics in Warsaw and the CEMS Master in International Management from the School of Economics and the London School of Economics, as well as an MBA from the reputable INSEAD in France.

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.

Artur Tomaszewski has been working in the banking sector already for over twenty years.

He has started his professional career in IT companies working for banking sector. Since 1993 – at Raiffeisen Bank Polska, first as the head of the Wielkopolska Region, later the head of Western Poland Macroregion and finally as the head of Corporate Banking area.

In 2004 Mr Tomaszewski has joined DNB Bank Polska as the board member supervising the Corporate Banking and Treasury area. President and CEO of DNB Bank Polska since April 2012. Member of the supervisory councils of DNB Bank Polska’s subsidiary companies and Member of Board of Directors in DNB Singapore.

Mr Tomaszewski graduated from IT Faculty at Poznań University of Technology. Has successfully completed the Master of Business Administration program at the Nottingham Trent University and AMP program at the University of Navarra, Barcelona, Spain.

For over a decade, Alena has been trusted to lead business development strategy in Insurance in EMEA region supporting SAS customers. Her focus has been around meaningful Analytical Transformation of insurance companies. Alena’s design priority has been the blending together of machine learning and other advanced applications with Human Intelligence. Together with local teams she has guided customers on technology and process innovation helping them efficiently face market challenges and succeed in their customer-centric approach.

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.

Małgorzata Walczak, Director at PFR Ventures, Managing PFR NCBR CVC Fund of Funds – program that engages corporations to invest in innovations in the CVC formula. Investor, Business Angel and entrepreneur with over 20 years of professional experience and 15 years of experience in the VC market in Poland and Central and Eastern Europe. Previously, together with ENEA S.A. she co-founded the first corporate CVC fund focused on multi-stage investments in the energy sector in Poland.
Małgorzata holds an MBA from University of Minnesota and Warsaw School of Economics, Master Degree in Cultural Studies fro University of Warsaw, D.E.A. from Sorbonne Universtiy (Paris VII, III) Journalism and Political Science Warsaw University.
Mother of three.

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.

Marek Witulski graduated from the Faculty of Electronics of the Gdańsk University of Technology with a specialization in biomedical devices. He has been associated with Siemens for over 25 years. Currently, he manages a team of over a dozen product managers in the areas of computed tomography, magnetic resonance, nuclear medicine, X-ray, angiography and C-arms. In 2018-2019 he worked at the Siemens headquarter in Erlangen (Germany), where he was responsible for the Direct Sales area for 11 countries. Previously, he managed, among others the business division of Advanced Therapies (angiography, C-arms) and the divisions of ultrasound and computed tomography. In the first years of work at Siemens, Marek was also involved in carrying out service works in many modalities of imaging diagnostics and solutions accompanying therapy, as well as for the marketing of maintenance services. Before his work at Siemens, in 1991-1994 he worked as an assistant at the Radiology Department of the Provincial Hospital in Olsztyn.

A graduate of the Kielce University of Technology. Experienced manager. I took my first steps in insurance at PZU in the claims handling department. Then, for 7 years, I successfully built a sales structure in a multi-agency insurance throughout Poland. Currently, I am responsible for the insurance department in the Clicket.pl and Finkey.pl start-up projects.

Since 2016 at Aviva Poland, responsible for business processes digitization and Customer self-service platform. Digital leader and product owner with over 10 yrs of experience in financial industry, business processes digitization, business analysis and project & processes management. Delivered a number of award-winning digital projects in banking and insurance industries, including first-to-market digital Customer self-service platform on PL insurance market, first fully online term life insurance as well as omni-channel sales processes integration. Succesfully participated in several business process migrations for different international Clients (France, UK, US). Additional expertise in process mapping, business requirements development, transition documentation development and SCRUM, BABOK, Lean/6Sigma, PRINCE2 methodologies. Jagiellonian University graduate.

Before being appointed as CEO, she was a member of the management board in charge of the finance division. She has extensive experience in the insurance sector, related both to finance and to insurance technique. When she was technical director at LINK4, she headed a department whose responsibilities included product creation and development, product pricing and insurance risk assessment. Until 2010, she was the company’s chief actuary.
She has been associated with the financial sector ever since the start of her career. Her first job was with Ernst & Young consultancy, where she spent four years participating in consulting projects and audits of financial statements of property insurers in Poland.
She graduated from the Warsaw School of Economics, majoring in Quantitative Methods in Economics and Information Systems. She holds an actuarial licence and is a member of ACCA. In her free time, she enjoys hiking in the Tatra Mountains, skiing, diving in warm seas and developing her cooking skills.

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.