Advisory Board

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.

She is a graduate of the Jagiellonian University specializing in Economic Sociology and Market Research as well as Columbia University in the field of company strategy. She also completed the Executive MBA at the Leon Koźmiński Academy. Previously related to the private financial sector, she then worked for ING group companies. She also cooperated with the team of the Public Policy Evaluation and Analysis Center at the Jagiellonian University. Later she worked for HDI (currently Warta S.A.), and Sony Europe. At Philips S.A. she managed the Marketing and Business Intelligence team in 17 countries of the region. From 2016 in the Management Board of PZU Życie SA, first as a member of the Management Board, and from March 2020 as the acting President of the Board.

Dr Jan BOGUTYN served as the CEO of InterRisk SA Vienna Insurance Group, for over 14 years. The company managed by Dr Jan Bogutyn has undergone significant transformations in terms of its size and organizational structure as well as the range and scale of its activity. When Dr Jan Bogutyn was taking over the position of the President of Board then the small company reached its turnover of 50 million PLN per year. When he left for retirement in 2012 the company exceeded the limit of 1 billion PLN ( ca 250 million EUR) of the collected premium, thus strengthening its position on the fifth place in the rating of the insurance companies. Dr Jan Bogutyn is one of the few managers on the Polish insurance market who, for such a long time , continuously and successfully has been managing one company. Earlier, as the Deputy Minister in the Ministry of Finance, he actively participated in transformations of the Polish insurance market. He contributed substantially to creation of Polish insurance law and its adoption to the European Union standards. He has done a lot of duties connected with financial services market. He was, among others, the Chairman of the Supervisory Boards of PZU SA and KUKE SA. He was also sitting on the Supervisory Boards of Bartimpex SA and BWE Bank. He was also a Member of the Board of the Polish Insurance Association and the Insurance Guarantee Fund. Dr J.Bogutyn’s experience acquired in the Ministry of Finance allowed him for specializing the company in the broadly-understood financial insurancies. InterRisk, cooperating with the Polish biggest banks, has become one of the main companiesinsuring mortgages. The company also has been a leader on the insurance guarantees market. Dr Jan Bogutyn was awarded the Officer Cross of the Order of Polonia Restituta, and he also got the title of the “Businessman of the Year” awarded by the Polish Club Association.

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.

Franz Fuchs began his career in the insurance industry as an actuary. Before joining Vienna Insurance Group he held leading management positions in other international companies as a specialist in the life insurance area and pension funds. In 2003-2014 Franz Fuchs was the President of the Management Board of Compensa Non-life and Compensa Life. Since 2003 he has been overseeing VIG companies in Poland. On 1 October 2009 Franz Fuchs was appointed to the Managing Board of Vienna Insurance Group, where currently he supervises Group’s operational activities in the area of motor, accident, health & life insurance.

Michal Gomowski graduated from Gdansk Technical University in 1994. In 1994-95 he continued studying as a scholarship holder from the French Government at the Management Department of the French Institute of Oil in Paris. He also studied in Oxford and Vilnius.
Having returned to Poland he started working as a Technical & Sales Consultant in Shell, where he became first a Sales Director and later the Managing Director of a distributive company belonging to the group.
In 1999 he took up the position of Managing Director of Europe Assistance, a company belonging to the Generali Group. During that period EA signed strategically important agreements with the banking and automotive sector.
At the beginning of 2002 he took up the post of CEO of Arval company belonging to BNP Paribas Bank.
Within three years Arval became a leader in the operational leasing and car fleet management industry in Poland.
In 2004 he returned to the Generali Group, first as a Board Member, then as the Executive Vice-President of Generali Companies in Poland. Within the group of top 10 insurance companies in Poland, Generali has enjoyed record growth for the last three years.
In 2010 he joined Aviva Group as a Vice President where he has been managing one of the largest network of exclusive agents in Poland and been building a sales network in a Multiagencies channel. He received plenty of various awards including the “Rzeczpospolita” for the best Life Insurance Company in 2011.
At the beginning of 2013 he was appointed as a Vice-President of Compensa Non-Life, where he is responsible for the technical division – oversees the tariff controlling and underwriting in motor, individual customer, corporate and SME departments.
43 years old, engineer, economist, married, 2 children.
Interests: traveling, skiing, sailing, swimming, tennis.
Speaks Polish, English, French and German, learns Italian
Other held functions: Funder and first President of Polish Vehicle Rental and Leasing Association,
Member of the Supervisory Board of French Chamber of Industry and Commerce of many years.

Strategic and business transformation advisor with vast insurance industry experience. Due to my work as consultant and as insurer’s employee co-responsible for the digital transformation I am aware how both sides (advisor and insurer) may collectively contribute to improve policyholders experience. I was leading business transformation projects, supported set-up of new entities, which included implementation of new ways of insurance distribution. I always try to be up-to-date with the current IT, sales, finance and operations aspects of life and non-life insurers, what is a challenge nowadays. I strongly support the statement that the customer and intermediary data, their appropriate usage and management are crucial not only to gain insurance market share but to survive in the long term.

Since 2016, CEO of D.A.S. Towarzystwo Ubezpieczeń Ochrony Prawnej S.A.
From 2012 to 2016, he held the position of CEO of Towarzystwo Ubezpieczeń Euler Hermes S.A. and CEO of Euler Hermes Services Sp. z o.o. Previously, he worked as Managing Director with Towarzystwo Ubezpieczeń i Reasekuracji Warta S.A., one of the largest insurance companies in Poland. He is highly qualified in management, planning and business strategy development. He graduated from the Faculty of Law and Administration of the University of Warsaw with an MA degree in law. In 2002, he completed postgraduate Management Studies at the Warsaw School of Economics (SGH).

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).

Attorney-at-law, graduate of the Faculty of Law and Administration at the University of Warsaw.
His entire professional career is related to the insurance market. After completing judge`s legal training at the Provincial Court of Warsaw and legal adviser’s training, he worked for three years in the National Insurance Supervision Office. In 1999, as an attorney-at-law he joined Allianz Poland. Following this, he successively took up positions of: legal advisors team coordinator, manager and head of legal department. In 2015 he was appointed Vice-president of the Management Board and Chief Operating Officer at Allianz Poland.
His professional interests focus on civil liability insurance. In addition he is Chairman of the Civil Liability Insurance Subcommittee at Polish Chamber of Insurance, representing Poland in the Civil Responsibility Committee of Insurance Europe.

Stanisław Kluza (42) – doctor of economy, creator of the Polish Financial Supervision Authority (PFSA; Polish: Komisja Nadzoru Finansowego, KNF), a former chairman of PFSA (2006-11), Minister and vice-Minister of Finance (2006), chief economist and the director of the Analysis Department at Bank Gospodarki Żywnościowej (in Rabobank Group) (2002-6). He is a faculty member at Warsaw School of Economics (since 1994), where he is affiliated at the Institute of Statistics and Demography. His main fields of interest are: monetary policy, statistics, econometrics, macroeconomics, banking and business cycle. He is the author of numerous presentations and papers in the fields of supervising financial market and macroeconomic analysis.

Sławomir Łopalewski
graduated from Adam Mickiewicz University in Poznań, Warsaw School of Economics and IESE Business School University of Navarra/AMP. He has also studied at the Academy of Economics in Poznań. He completed management courses at Harvard Business School and the Kellogg School of Management (US). Joined PKO Życie Towarzystwo Ubezpieczeń S.A. (previously Nordea Polska Towarzystwo Ubezpieczeń na Życie S.A.) in 2008 – shortly as a consultant to the board, then became Nordea Polska TUnŻ S.A. board member responsible for sales.
Since 2010 he has been holding the position of CEO at the life insurance company. Since the establishment of wealth insurance company (March 10, 2015) he has become CEO of PKO Towarzystwo Ubezpieczeń S.A. He has many years of professional experience in consulting. He was involved mainly with an international consulting company Deloitte Advisory, where as a manager he provided strategic consulting services to companies in the financial sector.

Rafał is an alumni of the MBA studies at the Executive Academy of the University of Economics in Vienna and Minnesota University – Carlson School of Management, as well as the Leading Digital and Innovation Program at INSEAD (European campus). At the end of 2019, he took the position of CEO at Beesafe, the new digital brand of the Polish subsidiary of Vienna Insurance Group (VIG)—a leading Austrian company operating in Central and Eastern Europe. He joined VIG in 2002 to manage the Finance and Accounting departments. Since 2016, he has been responsible for change management, IT, and customer service for claims handling. Rafał is also responsible for Genesis, the digital transformation program that was implemented in 2017 as part of the VIG strategy “Agenda 2020.”

Piotr Narloch has graduated from the Faculty of Law and Administration at the University of Gdansk. He has also completed the postgraduate studies at the Warsaw School of Banking and Insurance, as well as European Insurance Studies in Gdynia. Piotr Narloch has been active in the insurance industry for over 20 years. His professional career began in 1992 in Hestia Sopot as a financial insurance specialist. His next positions were Head of Financial Insurance Department and Head of Sales. In 1999-2001 he used to work for Generali Polska, being responsible for product development and establishing the systems and structures for sales. He also respectively took a function of a board member at Inter Poland and Inter Life, where he was responsible for the sales department, product development and marketing. Since September 2002 a president of the management board of Concordia Polska Group’s companies: Concordia Polska TUW, Concordia Capital and Concordia Innowacje. Currently Mr Narloch is a president of the management board of InterRisk TU SA Vienna Insurance Group. Piotr Narloch has also participated in many local and international courses, conferences and seminars related to insurance, i.e. risk management, negotiations in insurance, insurance marketing and management of insurance companies’ financial assets.

Marcin Nedwidek is a graduate of the Warsaw School of Economics and holds an MBA from the London Business School. At UNIQA, in addition to his role as president, he is also responsible for the retail non-life insurance business. Marcin joined AXA in 2018. He served as a board member and director of the individual client area in the non-life part. Previously, he was associated with The Boston Consulting Group, where he was responsible for developing BCG’s insurance practice in Poland and Central and Eastern Europe. He also worked for another international consulting firm and an investment bank in London.

Mr. Marek Piotrowicz is a senior manager with over twenty years of experience. He started his professional career while studying Management and Marketing at the University of Szczecin in the insurance sector (pensions, life, medical and legal protection insurance), mainly in the areas of business development. One of his professional experiences was also taken in the IT industry in Sopot-based Atena company, currently the international ERGO group. His great commitment, as well as his solid know-how of sales background had enabled him to expand his career with experience in purchasing. Starting from purchasing consultancy at Profitia, Batna Group to the Purchasing Director of the Graal Capital Group. From April 2022, he joined the Limitless Technologies team as Head of Operations.

Member of PZU SA and PZU Życie SA Management Board responsible for risk management (Chief Risk Officer). He started his work for PZU in 1998. His experience includes working as the Member of the Management Board in TFI PZU SA as well as holding managerial functions in the area of finance. Before his appointment to the Management Board of PZU SA he was a Member of the Management Board in TFI BGK S.A. He worked as the CEO in ŁSSE S.A. (Lodz Special Economic Zone) and also run economic consulting activity. The member of supervisory boards in PZU Group companies: Alior Bank S.A., PTE PZU SA, Link4 S.A. He was the member of supervisory boards of foreign insurance companies in PZU Group as well as gained experience in supervisory bodies of companies outside PZU Group (e.g. energy sector, real estate sector), including a public listed company. The graduate of the University of Lodz. He finished postgraduate studies in the field of insurance as well as risk management studies in financial institutions organized by the Warsaw School of Economics and the MBA “Finance & Insurance” organized by the Lodz University of Technology/ Illinois State University. Author of scientific publications in the field of insurance and finance.

A graduate of the. Nicolaus Copernicus in Torun, postgraduate studies in Information Technology at the Warsaw University of Technology, master’s degree studies at the Faculty of Management at the University of Warsaw and the Higher School of Entrepreneurship and Management. Leon Kozminski – MBA IT, participant of doctoral studies at the SGH Management Department in Warsaw. He has extensive experience in managing organizations, especially in areas that use information technology. She has developed and implemented business strategies for many organizations as well as overseeing the functioning of business entities as a member of supervisory boards. Since 2009 related to the insurance sector. In the UFG, as Managing Director, she was responsible for the development of the information function of the Information Center. It also coordinated activities related to the optimization and technological support of key processes implemented by the UFG. From June 2016 he was a Member of the Board of the UFG.

Prof. GERTRUDA UŚCIŃSKA, PhD., the ZUS President, engaged in the research work of the Institute of Social Security of the University of Warsaw. For many years organises international research studies in the field of the freedom of movement of persons and their family members within the UE where is active as an expert. A member of the Committee on Labour and Social Policy Sciences of the Polish Academy of Sciences. Cooperates with Polish and European social insurance institutions. In last years was the deputy dean of the Faculty of Journalism and Political Science of the University of Warsaw. A researcher of the Institute of Labour and Social Studies.

Lecturer at the Institute of Corporation Finance and Investment, College of Business, Warsaw School of Economics. Graduate of the Warsaw School of Economics. Worked among others: Institute of Finance in the Ministry of Finance, University of Insurance and Banking (now the Academy of Finance) In the years 1996 to 2006 as an associate professor and dean of the college. For six years is the Head of Postgraduate Studies (in Warsaw School of Economics – SGH) – Academy of Insurance – Business insurance for enterprises. For many years, the arbitrator in the Court of Arbitration at the Insurance Ombudsman. She has over 100 scientific publications. The main topics of interest are: firstly – insurance, including insurance as a form of risk transfer and bancassurance, and secondly – public finance. Selected publications: Personal Insurance, edited by Ewa Wierzbicka, Wolters Kluwer Business, Warsaw 2008; Non-life insurance, edited by Ewa Wierzbicka, CeDeWu, Warsaw 2010; Business insurance for enterprises, edited by Ewa Wierzbicka, Warsaw School of Economics, Warsaw 2014.

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.

Marek Zefirian is a graduate of Poznan University of Economics and Master of Business Administration at EAP Europäische Wirtschaftshochschule in Berlin. He speaks English, German and Russian. He has many years of consulting experience gained from working in the Ernst & Young Management Consulting team, mainly in market analysis, market strategies and market entry. Since 2003, he has been a CEO of Starter24, an international insurance services company, a part o the ARC Europe Group. In the years 2010-2014 he participated in the development project and later served as a member of the Supervisory Board in the Russian sister company RUAMC. He has built and manages a strong and growing insurance related organization. Starter24; being the leader of the Polish Assistance market it has almost 50% of the market share in the OEMs Assistance segment and more than 40% in the CFM Assistance segment. The Company diversifies its activities in complementary areas, including claims handling and Call Center services as well as being an industry leader in innovation and modern technology.

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.