He has a degree in economics from the City College of New York (1971) and degrees in management and interpersonal relationships from Webster University in Vienna (1983). For almost 25 years worked at Citibank on various positions, inter alia, managerial positions at branches of this bank in Japan, Austria, Great Britain and France. At the beginning of the 90s focused on management activities in Poland. He was an independent consultant co-participating in organizing Citibank in Warsaw. Currently member of the Supervisory Board of Gothaer Insurance Company and KRUK SA. He also sits in the Chapter of the Economic Award of the President of the Republic of Poland. Józef Wancer is a member of the board of the Auschwitz-Birkenau Foundation, chairman of the American Chamber of Commerce in Poland and a member of the council of the Business Centre Club. In 2005, Józef Wancer was awarded the Gold Cross of Merit for notable achievements in the banking industry during the period of transformation, and in 2011 was awarded the Order of Polonia Restituta.

His nearly 20-year-long career was developed in the largest financial institutions in Poland: Bank Pekao, Pekao Central Brokerage House, Inteligo Financial services and PKO Bank Polski, where he was a Member of the Management Board in charge of technology, cybersecurity and employee training and development from 2017 to 2021. He successfully reorganised the functioning of structures of many undertakings, focusing on process efficiency, cost optimisation and dynamic business development. He co-created solutions such as BLIK, IKO, Bank Cybersecurity Centre, digital identity in administration, a nationwide system of e-Registration for COVID-19 vaccinations and the concept of National Cloud. In the last year, he acted as the Vice-President of the Management Board for Technology and Digitisation of the CCC Group, where he was responsible for digital transformation and actively supported the development of digital business and actions aimed at improving the Group’s efficiency.
He was the chairperson of the presidium of the Electronic Banking Council at the Polish Bank Association, the IT Architecture Council at the Committee of the Council of Ministers for Digitisation, the chairperson of the IT Expert Group operating at the Ministry of Finance and a member of the IT Consultants Team at the Ministry of Health. He chaired and participated in supervisory boards of companies such as PKO Bank Hipoteczny, the National Cloud Operator, PKO BP Finat, Modivo and Pronos.
In 2003, he graduated from the Military University of Technology in Warsaw and obtained a Master’s degree in Computer Science. From 2006 to 2007, he studied IT project management at the Warsaw University of Technology. He also completed a post-graduate Executive Master of Business Administration course at the Management University in Warsaw.
He has won numerous industry awards and distinctions and was awarded the title of an Electronic Economy Ambassador at the 10th Electronic Economy Congress. In recognition of his outstanding accomplishments in construction and development of the banking sector, the Polish Bank Association awarded him the Nicolaus Copernicus Medal. He also received the title of the ‘Banking market innovator of 2015’ in the ranking of ‘50 largest banks in Poland’, as well as the Prof. Remigiusz Kaszubski Award for creating innovations and a secure company in the cloud and commitment to the digitisation of society.

Elzbieta Czetwertynska Managing Director Citi Country Officer Poland / CEO Citi Handlowy Elzbieta Czetwertynska was appointed Citi Country Officer Poland / CEO Citi Handlowy in June 2021 and in June 2022 received additional responsibility for Ukraine. Prior to her current role, Elzbieta was Citi Country Officer for Switzerland, Monaco and Liechtenstein, based in Zurich. She assumed that role in March 2019, after a five-year stint in Latin America. Before moving to Switzerland, Elzbieta was Citi Country Officer, and Corporate and Investment Banking Head in Ecuador. Elzbieta has been at Citi for 29 years, working in different countries in Europe and Latin America. She joined Citi Ecuador as corporate bank relationship manager in 1994. From 1999 to 2003, she was Head of Transaction Services, Asset-Based Finance and the SME segment in the Dominican Republic, before moving to the United States for a year as internal auditor covering corporate credit for Latin America. In 2004, Elzbieta moved to Europe where she joined Citi Handlowy’s risk management team in Poland and was appointed Senior Credit Officer a year later. Her last four years in Poland she led the Commercial Bank business. Elzbieta returned to Latin America in 2013 as Head of Citi Colombia’s Treasury and Trade Solutions business, where she successfully developed and executed a dynamic growth strategy. Elzbieta holds a BSc Hons in Food Science, Economics and Marketing from the University of Reading, England. She is a certified coach in leadership and sales programs and has facilitated several risk management trainings. She served as President of the Board of Directors for Amcham Ecuador, as well as board member of the Ecuadorian Banking Association and Junior Achievement Ecuador Foundation. In Switzerland Elzbieta was a board member of the Association of Foreign Banks in Switzerland. At present, she is in the Board of Amcham Poland, the Polish Banking Association, and she serves as President of the Board of Citi Ukraine.