ING Executive and Leadership Team

Melissa Kang, the Chief Executive Officer at ING, directs the overarching corporate strategy and operational framework. Kang guides the company's expansion across retail banking, direct banking, and wholesale banking sectors, ensuring alignment with market demands and financial objectives. This leadership role involves fostering innovation in asset management and insurance services, critical components of ING's diversified portfolio. Kang's strategic vision drives the company's presence in international markets, focusing on sustainable growth and client engagement. The Chief Executive Officer ensures all divisions operate cohesively, maximizing synergy and financial performance. Melissa Kang's executive oversight is fundamental to maintaining ING's position as a leading Dutch multinational banking and financial services corporation.

Michal Kowalczyk, the Chief Financial Officer at ING, directs all financial planning, risk management, and reporting activities. Kowalczyk oversees the financial health of the company, managing capital allocation, investment strategies, and profitability across retail, commercial, and wholesale banking divisions. This critical role involves ensuring compliance with financial regulations and optimizing the company's balance sheet for asset management and insurance services. The Chief Financial Officer provides essential financial insights to guide strategic decision-making and drive shareholder value. Kowalczyk's expertise is fundamental to maintaining ING's strong financial standing and its capacity for continued growth. Michal Kowalczyk's leadership ensures robust financial stewardship for the multinational corporation.

Cyril Chen, the Chief Operating Officer at ING, manages the day-to-day operational efficiency and execution across the organization. Chen oversees the integration of new technologies and process improvements within retail and commercial banking operations, enhancing service delivery. This role is pivotal in optimizing the company's infrastructure for wholesale banking and private banking services, ensuring seamless client experiences. The Chief Operating Officer drives initiatives to streamline operations, reduce costs, and improve productivity throughout the Netherlands and international branches. Chen's focus extends to risk management protocols within operational frameworks, safeguarding the company's financial stability. Cyril Chen's leadership ensures that ING's extensive financial services, including asset management and insurance, are delivered with maximum effectiveness and reliability.

Adriel Aparri, the Data Analyst & Global Chief Operating Officer, Credit Risk Services at ING, spearheads the analysis and operational management of credit risk. Aparri develops data-driven strategies to assess and mitigate credit exposure across all banking segments, including retail, commercial, and wholesale. This dual role involves leveraging advanced analytics to inform operational decisions and enhance risk management frameworks. The Global Chief Operating Officer, Credit Risk Services ensures the integrity and efficiency of credit risk services globally, supporting the company's financial stability. Aparri's expertise in data analysis is critical for optimizing risk-adjusted returns and safeguarding ING's portfolio. Adriel Aparri's contributions are essential for maintaining robust credit risk oversight within the financial services sector.

Diorella Ona, the Chief Operating Officer Academy Trainer at ING, develops and delivers training programs focused on operational excellence. Ona designs curriculum and conducts sessions to enhance the skills of operational leaders across retail banking, commercial banking, and wholesale banking divisions. This role is vital for cultivating a culture of continuous improvement and best practices within the company's operational functions. The Chief Operating Officer Academy Trainer ensures that all personnel are equipped with the knowledge and tools necessary to manage complex financial services operations effectively. Ona's dedication to professional development supports ING's commitment to high-quality service delivery. Diorella Ona's training initiatives are instrumental in maintaining operational proficiency throughout the organization.

Benedict Ullado, the Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics at ING, leads critical data delivery functions for risk finance and global retail operations. Ullado oversees the strategic implementation of data analytics to support risk management and enhance retail banking services. This senior role involves ensuring the accuracy and timeliness of data crucial for financial reporting and operational decision-making. The Senior Chief Operating Officer drives initiatives to improve data governance and delivery mechanisms, supporting both internal stakeholders and external regulatory requirements. Ullado's leadership ensures that data insights effectively inform risk mitigation and business strategy. Benedict Ullado's expertise is vital for optimizing data utilization across ING's extensive financial services.

Bebz Egao, the Global Chief Operating Officer Academy Knowledge Manager at ING, manages and disseminates critical knowledge within the operational leadership development program. Egao curates resources and best practices related to retail banking, commercial banking, and wholesale banking operations, ensuring consistency and quality. This position is key to fostering a shared understanding of operational excellence across ING's global network. The Global Chief Operating Officer Academy Knowledge Manager facilitates the sharing of insights and learnings to drive continuous improvement in service delivery and efficiency. Egao's role supports the strategic objectives of the COO Academy by ensuring access to up-to-date and relevant information. Bebz Egao's efforts are fundamental to building a knowledgeable and effective operational leadership team.

John Louie, the Finance Business Advice Chief Operating Officer & Chief Technology Officer at ING, integrates financial advisory services with technological innovation. Louie directs operational strategies that enhance financial advice delivery across retail banking and commercial banking sectors, leveraging cutting-edge technology. This dual leadership role ensures that IT infrastructure robustly supports financial planning, risk management, and client advisory services. The Chief Technology Officer drives the adoption of new technologies to improve efficiency and client experience in areas like private banking and asset management. Louie's strategic oversight is crucial for aligning technology roadmaps with financial business objectives. John Louie's combined expertise is essential for advancing ING's digital transformation in financial services.

Celeste Henriquez, the Chief of Staff at ING, provides strategic support and operational coordination for executive leadership. Henriquez manages key initiatives and projects, ensuring alignment between departmental goals and the company's broader mission in retail and commercial banking. This position involves facilitating communication across various business units, including investment banking and private banking, to enhance collaboration. The Chief of Staff plays a crucial part in preparing executive briefings and strategic analyses for the board and senior management. Henriquez's role is essential for driving operational effectiveness and ensuring that strategic priorities are translated into actionable plans. Celeste Henriquez's contributions are vital to the smooth functioning of ING's complex financial services ecosystem.

Janet Taffe, the Chief Information Officer at ING, leads the company's technology strategy and digital transformation initiatives. Taffe oversees the development and implementation of IT infrastructure supporting all banking operations, from retail and direct banking to wholesale and investment banking. This role is crucial for enhancing cybersecurity, data management, and digital service delivery across the organization. The Chief Information Officer ensures that technology investments align with business objectives, driving innovation in areas like private banking and asset management. Taffe's leadership is key to modernizing ING's technological capabilities, improving operational efficiency, and ensuring a secure digital environment. Janet Taffe's strategic direction is vital for ING's competitive edge in the evolving financial services landscape.