Speakers

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.

Responsible for managing market, liquidity and operational risk, supervises, among others, the bank’s credit policy for retail and business clients as well as the area of debt collection and restructuring.
He has been dealing with banking risk since 1996. He started his professional career at PKO Bank Polski, then he was associated with Kredyt Bank. For the past three years, he has dealt with the issues of risk and stability of the financial system at the National Bank of Poland as deputy director of the Financial Stability Department. His responsibilities also included cooperation with the European Systemic Risk Board in the area of systemic risk. At the NBP he also dealt with issues related to macroprudential instruments, including capital buffers, and was also responsible for analyzing new solutions in the CRD IV/CRR package regarding the principles of banks’ operations, imposing capital buffers and prudential requirements for credit institutions.
From 2008 to 2014 in the Polish Financial Supervision Authority Office he held managerial functions in the Risk Assessment Department and the Inspection Department, where, among others, he was responsible for the validation of advanced credit risk models for calculating banks’ capital requirements and the area of banking regulations.
From 1999, he was involved in area of risk at Kredyt Bank, where he worked in the Credit Risk Department and Risk Management Department. He participated in works related to building models determining the risk of default for corporate entities and calculating capital requirements.
A graduate of the Faculty of Management at the University of Warsaw. He holds the title of Master of Business Administration Management Training Center at this university. He lectured on the basics of financial risk at the Social College of Entrepreneurship and Management in Łódź.

Dr Krzysztof Korus is an attorney with a doctorate in law, and an economist. He is an expert on payment services, new technologies law, and banking law. Every year since 2015, he has been listed as a recommended lawyer in Chambers Europe in the Banking & Finance category (“strong experience in banking regulatory matters”, “deep knowledge and long experience”). He is a pioneer in advising on regulatory issues for the fintech sector in Poland. Among the issues he has advised on are implementation of PSD2 and opening banking, and he has advised on several dozen cases before financial market regulators in Poland and in Europe, on M&A deals on the fintech market, and on court litigation and arbitration cases between financial institutions. He has worked in the most important industry working groups for the fintech sector, such as the EC’s API Evaluation Group, the Polish API team, the fintech innovation development working group for the Polish Financial Supervision Authority, the Ministry for Digital Affairs “Blockchain and cryptocurrency” stream in the scheme “From a Paper to a Digital Poland”, and the Financial Market Development Council working group for implementation of the PSD. He co-authored the “Study Impact of the PSD” and “Principles, Definitions and Model Rules of European Private Law” for the European Commission, and sat on the programming council for the monthly “Banking Law Monitor”. He is a member of the European Payments Consulting Association, and has worked with the Polish-German Banking Law Centre and London Economics. He has written several dozen publications, legal analyses, and commentaries and spoken at numerous industry events in Poland, Europe, the US, and Asia. He is involved in legislative work at the Polish and EU level.

Eliza Kruczkowska, Chief Innovation Officer at Polish Development Fund, a financial group which offers instruments supporting the development of companies. She is in charge of coordinating “ Start In Poland” programme aimed at building a vibrant startup and venture capital ecosystem including €500m in investment in VC funds and online one-stop-shop for startups at startup.pfr.pl. She used to be a CEO of Startup Poland, a grassroots organization aimed at helping build better conditions for Polish startups by influencing policy-makers, educators, academics, and the media. She has extensive experience in tech, politics, communication, as well as NGOs. In the past, she has worked abroad in Madrid at Internet Advantage, London at the Evening Standard, and Munich at Lewis PR.

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.

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.

Mr Wojciech Rybak graduated from economics in the University of Szczecin (1993) and Tempus – Portassist Programme of the University of Antwerp (1992).

Since the beginning of his professional career he has been linked with banking. From September 1992 until August 1994 he worked in Bank Morski S.A. as a Credit Inspector and, subsequently, Manager of Business Credit Team. From September until November 1994 – Head of Credit Sub-unit in Bank Przemysłowo-Handlowy S.A., from December 1994 until September 1995 – specialist in the Capital Investment Department of Pomorski Bank Kredytowy S.A., and subsequently until April 1996 – Director of Branch PBB „Invest-Bank” S.A. in Szczecin. Since May 1996 he has been working in the Bank Millennium S.A. Group initially as a Branch Director in Szczecin (until March 2000), and, subsequently, as Director in the Customer Relationship Centre at the Bank’s Head Office (until August 2003). From August 2003, he was a Member of the Management Board of Millennium Leasing Sp. z o.o. supervising, inter alia, the sales network and from June 2009 until June 2016 – Chairman of the Management Board of Millennium Leasing Sp. z o.o.

Since 6 June 2016 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.

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.

Master graduate of the Faculty of Computer Science and Management of Wroclaw University of Technology and the Executive MBA program at Kozminski University in Warsaw. Participant of management programs conducted by Insead in France and the London School of Economics in the UK. Founder and President of his own software manufacturing company. He further developed his career in SAP Poland where he served, among others, as Consulting Director and Vice President of the Board. In the 2013-2015 he was Head of the Consulting and Technology Department and a member of the management board of the Enterprise Group at Hewlett-Packard Poland. He has extensive experience in creating and implementing market strategies, as well as sales of software, services and IT infrastructure. As Vice President of Atende he is responsible for operational management.

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.