ING Executive and Leadership Team

Michal Kowalczyk, the Chief Financial Officer at ING, directs the financial strategy and fiscal operations of the multinational banking and financial services corporation. Overseeing all aspects of financial planning, reporting, and capital management, Kowalczyk ensures robust fiscal health and compliance across global markets. This leadership role involves managing investment portfolios, optimizing capital allocation, and driving profitability through strategic financial initiatives. By analyzing market trends and economic indicators, Michal Kowalczyk provides critical financial insights that inform executive decision-making and support the company's long-term objectives. The Chief Financial Officer's purview extends to risk assessment and mitigation, safeguarding the company's assets and ensuring sustainable financial performance in the dynamic finance sector.

Robert Pontbriand, the Chief Operating Officer at ING, orchestrates the operational efficiency and service delivery across the company's diverse financial services. This executive drives the execution of business strategies, ensuring seamless integration of retail banking, commercial banking, and investment banking operations. Pontbriand's responsibilities encompass optimizing workflows, enhancing customer experience, and implementing best practices in operational management. By focusing on process improvement and technological integration, Robert Pontbriand ensures that ING maintains a competitive edge in the global financial landscape. The Chief Operating Officer's strategic oversight guarantees that operational frameworks align with the company's mission to provide accessible and reliable financial solutions to a broad client base.

Vishesh Shroff, the Senior Customer Insights Analyst & Chief Operating Officer, Analytics Coe at ING, drives data-driven strategies to enhance customer understanding and operational excellence within the analytics domain. Shroff leads initiatives focused on extracting actionable insights from complex datasets, informing product development and service enhancements across ING's banking and financial services. This dual role emphasizes leveraging analytics to optimize operational workflows and deepen customer relationships. By translating data into strategic recommendations, Vishesh Shroff empowers business units to make informed decisions, thereby improving customer satisfaction and operational efficiency. The Chief Operating Officer, Analytics Coe ensures that advanced analytics capabilities are integrated into core business functions.

Bebz Egao, the Global Chief Operating Officer Academy Knowledge Manager at ING, develops and disseminates best practices and learning resources to elevate operational leadership across the organization. Egao curates and manages knowledge repositories, ensuring that operational teams have access to the latest methodologies and insights in banking and financial services. This role is crucial for fostering a culture of continuous improvement and operational excellence throughout ING's global network. By standardizing operational knowledge and facilitating skill development, Bebz Egao supports the consistent delivery of high-quality services. The Global Chief Operating Officer Academy Knowledge Manager plays a key part in building a highly skilled and adaptable operational workforce.

Adriel Aparri, the Data Analyst & Global Chief Operating Officer, Credit Risk Services at ING, enhances credit risk management through advanced data analysis and operational oversight. Aparri leads the development and implementation of data-driven strategies to assess and mitigate credit risks across the company's diverse financial operations. This position is vital for maintaining the integrity of ING's lending portfolios and ensuring compliance with regulatory requirements. By leveraging analytical expertise, Adriel Aparri provides critical insights that support sound credit decisions and protect the company's financial stability. The Global Chief Operating Officer, Credit Risk Services ensures robust risk management frameworks are in place.

Ankur Kakkar, the Chief Operating Officer & Data Management Domain Lead Wholesale Banking, Finance, Risk, Human Resources, KYC & Data Office Chief at ING, drives operational efficiency and data governance across multiple critical business functions. Kakkar oversees the strategic direction for data management within wholesale banking, finance, risk, and human resources, ensuring data integrity and accessibility. This comprehensive role involves implementing robust data strategies and operational frameworks that support regulatory compliance and informed decision-making. By integrating data management principles with operational leadership, Ankur Kakkar enhances the effectiveness of these core departments. The Chief Operating Officer ensures seamless execution of strategies across these vital areas.

Ana Alonzo, the Operations Management Process Specialist & Chief Operating Officer, Transformation Process Excellence at ING, focuses on optimizing operational processes and driving transformation initiatives to enhance efficiency and effectiveness. Alonzo leads the design and implementation of process improvements across various business units, ensuring alignment with ING's strategic goals in banking and financial services. This role is crucial for fostering a culture of continuous improvement and operational agility. By meticulously analyzing existing workflows and identifying areas for enhancement, Ana Alonzo contributes to the seamless execution of complex projects. The Chief Operating Officer, Transformation Process Excellence ensures that process excellence is embedded within the company's operational DNA.

Benedict Ullado, the Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics at ING, directs data delivery operations and operational leadership within risk finance and global retail banking. Ullado oversees the strategic execution of data initiatives that support risk management and enhance customer experiences in retail banking. This multifaceted role ensures that data analytics capabilities are effectively leveraged to drive operational improvements and strategic insights. By managing data delivery pipelines and leading cross-functional teams, Benedict Ullado contributes to ING's robust data governance and operational framework. The Senior Chief Operating Officer ensures high-quality data services are provided to support business objectives.

Cigdem Carino, the Chief Information Officer at ING, spearheads the technological infrastructure and digital transformation initiatives for the global financial institution. Carino directs the development and implementation of innovative IT solutions that enhance operational capabilities and customer engagement across retail, commercial, and investment banking sectors. This critical role involves safeguarding sensitive data, ensuring cybersecurity resilience, and leveraging advanced technologies to drive efficiency and competitive advantage. By aligning IT strategy with business objectives, Cigdem Carino enables ING to adapt to evolving market demands and deliver cutting-edge digital financial services. The Chief Information Officer's leadership ensures a secure, scalable, and future-ready technology ecosystem.

Celeste Henriquez, the Chief of Staff at ING, provides strategic support and operational coordination to executive leadership, facilitating the execution of key initiatives across the multinational banking and financial services corporation. Henriquez manages cross-functional projects, drives alignment on strategic priorities, and enhances communication channels between departments. This role is pivotal in ensuring that the company's operational framework effectively supports its mission in retail banking, commercial banking, and investment banking. By streamlining executive decision-making processes and overseeing special projects, Celeste Henriquez contributes significantly to ING's overall agility and effectiveness. The Chief of Staff ensures that strategic objectives translate into tangible operational outcomes.