Speakers

Joanna Borysiewicz is a graduate of the Faculty of Economics at the University of Warsaw, she is an expert in the field of Bancassurance.
She gained experience in this field by creating Bancassurance teams at Citibank (2007-2013) and at Bank Millennium, where she worked in 2013-2017. In September 2017, she joined Santander Bank Polska where, as Bancassurance Tribe Leader, is leading an interdisciplinary, agile team including business and IT competences, working closely with Joint Venture and AVIVA companies.
The team under her leadership made significant changes to the bank’s offer. Implemented, among others a flexible and comprehensive Life and Health insurance offer, also available remotely in Santander Internet, which contributed to an increase in sales of non-related insurance by nearly 50%.

Joao Bras Jorge, graduate of the Management Studies at Universidade Catolica Portuguesa and PADE Advance Management Programme under AESE.
He started his professional career as stockbroker in 1990. In the ensuing 10 years he worked in investment banking, inter alia, as Member of the Management Board at an investment bank. He also sat on the Board of the Lisbon Stock Exchange. During 5 years, prior to his move to Poland, he held position of Head of the Retail Banking Customer Division and Coordinator of the Retail Network at Millennium bcp.
Since 19 July 2006 – Member of the Management Board of Bank Millennium S.A., in the years 2006-2008 Head of the Retail Banking Division and from 2009 – Head of the Corporate Banking Area. From 22 April 2010 – Deputy Chairman of the Management Board and since 24 October 2013 – Chairman 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 First Deputy Chairman of the Management Board of Euro Bank S.A., acting Chairman of the Management Board.

At Alior Bank, he is responsible for market, liquidity and operational risk management. He supervises, inter alia, the bank’s corporate and retail credit/loan policy as well as debt recovery and restructuring. He started his professional career at PKO Bank Polski S.A., then he was associated with Kredyt Bank. For the last 3 years at the National Bank of Poland, acting as the deputy director of the Financial Stability Department, he has dealt with issues related to risk and stability of the financial system.
Between 2008 and 2014, in the Office of the Polish Financial Supervision Authority, he was responsible, among other things, for the validation of advanced credit risk models for the calculation of banks’ capital requirements, as well as for the area related to banking regulations. A graduate of the Faculty of Management at the University of Warsaw. He has the title of Master of Business Administration of the Centre for Management Development at this university. He delivered lectures on the fundamental issues of financial risk at the School of Social Entrepreneurship and Management in Łódź.

New technologies passionate. From 2003 to 2010 cooperated with Ergo Hestia Group where he was responsible for the Internet area. Innovated and implemented the first in Poland virtual AI assistant Hubert, who communicated with the voice of text-to-speech technology Ivona (nowadays Ivona is known as Amazon’s Alexa). In 2008 co-created and implemented the first in Poland Insurance eAccount for customers. In 2012 developed the prototype of innovative sales path, which later originated in creating modern sales platform by the leading insurance company in Poland. In 2013, together with Paweł Gabriel, established Polskie Polisy limited company. Since 2016 they have been perfecting iBooster: insurance accelerator. iBooster has gained recognition and is used on everyday basis by Polish biggest and leading multiagencies.
Married, father of four extraordinary sons.

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.

Grzegorz Ignaciuk has 20 years of experience in the financial market.
He graduated from Warsaw School of Economics – major Quantitative Methods & Information Systems and Finance & Banking, and finished postgraduate studies in Bank Controlling.
>From November 2019, he is Deputy Chairman of the Management Board at Cenatorium, responsible for sales, business development, as well as finance and administration.
Previous, since 2014, he leads independent advisory projects and he has created a credit broker serving individual clients, entrepreneurs and enterprises. In 2006-2013, Grzegorz Ignaciuk was responsible for supervised retail credit portfolio risk management at PKO Bank Polski. He has extensive experience in building models and systems to assess clients’ creditworthiness.
He managed interdisciplinary project teams, which resulted in the implementation of 50+ pro-business, pro-efficiency and credit risk mitigation-related projects. He was also responsible for creation of applications which support credit-related business processes for individual customers and SMEs.
He has also been involved in several due diligence studies and strategy development.
He held the position of Secretary of the Supervisory Board of the Credit Bureau.

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.

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.

Yigit Karabag is SAS Regional Director for Customer Advisory in Central Eastern Europe, Middle East and Africa. His team of experts works passionately on helping customers with innovative and high impact application areas for artificial intelligence, machine learning and advanced analytics across three continents. He has two decades of domain experience in information management & data analytics in banking, communications & public service industries. Yigit is also a board member for various data management organizations and a regular speaker and panelist at industry events. He holds a degree in computer technology and programming from Bilkent University in Ankara, Turkey.

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.

Professionally involved in the payment sector for 20 years. He has been with Visa since March 2011, where initially, for 3 years, he was responsible for a consulting practice for Central Eastern Europe and carried out many projects related to implementation of new product strategies and optimizing card portfolio management in Poland, Czechia, Slovakia and Hungary. Since October 2014, he has been a Country Manager for Poland.

His career began in 2001 with KPMG consultancy, where for five years he managed an array of projects for financial institutions 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.

Manager with many years experience in financial sector in Poland and later active in Fintech market. Started his career in 1995 in Raiffeisen Bank Polska as Director of Trade Finance Dept., later Director of Trade and Corporate in BRE Bank. From 2006 first Vice-president of ING Lease Polska and from 2008 CEO. For several year Fund member of ING for Children and ING Art Collection. Currently Managing Director of Cenatorium and Chairman of Supervisory Board of factoring Smeo.

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.

Mariusz Wójcik is a member of the UNIQA Polska board responsible for bancassurance and partner programmes. He has been successfully developing this area for over a decade. First in AXA, and then in UNIQA after the merger of companies. He has been involved in the insurance industry for over 20 years. Previously, he worked at Dom Inwestycyjny Xelion and Nationale-Nederlanden insurance company. Mariusz is a graduate of the Cracow University of Economics.

Rafal Mosionek graduated from SGH Warsaw School of Economics, Vienna University Executive Academy i Minnesota University – Carlson School of Management. He was connected to Compensa in years 2003-2004 managing finance and accounting department. Next, in years 2004-2013 he was gaining experience in management positions in financial departments of Commercial Union and Aviva. Since 2013 he has been responsible for the finance area in the Management Board of Omniasig Vienna Insurance Group in Romania. Within the new division of competences, since 2016 Mr. Rafa? Mosionek takes responsibility for the Risk Management Division and IT Division in the life and non-life company and additionally for the claims handling division in the non-life company for Compensa / Vienna Insurance Group.

Knox Partner Program Manager for Europe at Samsung R&D Institute Poland
With over 10 years of experience with B2B mobile solutions market. Marek is the person behind Samsung Knox Partners Program in Europe and the person behind Samsung’s successful implementation of finance solutions in Europe and Africa related with fraud management. Marek is innovation driven, B2B Evangelist who rarely stays inside the lines of the ordinary, constantly developing markets and solutions, always two steps ahead.

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.

Graduated from the Faculty of Natural Sciences at the University of Wrocław and Postgraduate Studies in Banking and Finance at Warsaw School of Economics. Since 1991 associated with the ZBP as Director of the Office and then Director General of the ZBP. Since April 2003 President of the chamber.
Member of the Bank Guarantee Fund, Chairman of the Supervisory Board of Credit Information Bureau. Member of the National Centre for Research and Development. Member of the. President of “Promyk Słońca” Foundation. Vicepresident of “Teraz Polska” Chapter. Founder and co-founder of banking infrastructure enterprises and of Polish Institute of Directors.

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.

Paulina Skrzypińska – Chief Innovation Officer at Bank BNP Paribas Polska. Paulina has +14 years of experience working for incubators, science and technology parks and investment funds, both on regional, national and international initiatives. For years she was a co-organizer of a regional startup community. Graduated 3 degrees. At BNP Paribas Polska Bank since 2017. The innovation team supported over 16 startups’ implementations and the first investment in the bank’s history in a startup, Autenti. Paulina is a co-author of the “Code of Startup Cooperation” – one of the most effective processes of introducing startups to corporations and “Elephant Charmers” – a handbook for young technology companies and corporations aiming to effective cooperation. Now she’s focused on building value with startups around open banking, platformziation and sustainability.

Cezary Stypułkowski holds a Ph.D. in law from the University of Warsaw. In late 1980s, he studied at Columbia University Business School in New York as a member of the Fulbright Program. He chaired the management board of Bank Handlowy for thirteen years, made it the leader of corporate and investment banking at that time. In 2003 Cezary Stypułkowski was appointed as president of the management board of PZU Group. He successfully managed the organisation with his colleagues for three years. The net result and the valuation of the group trebled as a consequence. From 2006 to 2010 he worked for J.P Morgan in London, from 2007 as managing director of J.P. Morgan Investment Bank in Central and Eastern Europe. Since October 2010 Cezary Stypułkowski manages mBank. From 2012 Cezary Stypułkowski has been a joint chairman of the Emerging Markets Advisory Council of the IIF in Washington. He was also a member of the Deutsche Bank Board International Advisory Board, INSEAD International Advisory Board, a member of the board of the Institute of International Finance in Washington and the Geneva Association.

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.