ING Executive and Leadership Team

Melissa Kang, the Chief Executive Officer at ING, directs the overarching strategy and operational execution for the multinational banking and financial services corporation. Kang guides the company's expansion in retail banking, direct banking, commercial banking, investment banking, wholesale banking, and private banking. This leadership role ensures alignment with market demands and regulatory frameworks across North America and EMEA. Kang's strategic vision drives the integration of new financial technologies and service models, enhancing ING's competitive position. Overseeing global operations, Melissa Kang ensures the delivery of robust asset management and insurance services, solidifying ING's reputation for comprehensive financial solutions. The Chief Executive Officer's focus remains on sustainable growth and stakeholder value.

Alex Lowy, the Chief Financial Officer at ING, manages the financial health and strategic fiscal planning for the global banking and financial services entity. Lowy oversees all financial operations, including budgeting, forecasting, capital allocation, and investor relations, ensuring fiscal discipline across retail, commercial, and investment banking divisions. This critical role involves optimizing financial performance and managing risk exposure within the complex international financial landscape. Alex Lowy directs the financial strategy for asset management and insurance services, ensuring profitability and compliance. By analyzing market trends and economic indicators, the Chief Financial Officer provides essential financial insights to support executive decision-making and drive sustainable revenue growth for ING.

Nonilon Salvanera, the Chief Operating Officer at ING, oversees the efficient execution of daily operations across the company's diverse financial services portfolio. Salvanera directs the operational strategies for retail banking, commercial banking, and wholesale banking, ensuring seamless service delivery and process optimization. This leadership position is crucial for maintaining operational integrity and driving efficiency gains throughout the organization. Nonilon Salvanera manages the operational aspects of asset management and insurance services, focusing on scalability and risk mitigation. By streamlining workflows and implementing best practices, the Chief Operating Officer enhances customer experience and supports the company's strategic objectives in the global financial market.

Vishesh Shroff, the Senior Customer Insights Analyst & Chief Operating Officer, Analytics Coe at ING, spearheads the strategic application of data analytics to enhance customer understanding and operational efficiency. Shroff directs the analytics center of excellence, focusing on deriving actionable insights from complex datasets across retail and commercial banking. This dual role ensures that customer feedback directly informs operational improvements and strategic planning. Vishesh Shroff oversees the analytical frameworks supporting asset management and insurance services, driving data-informed decision-making. By championing advanced analytics, the Chief Operating Officer, Analytics Coe optimizes customer experiences and identifies new growth opportunities for ING.

John Louie, the Finance Business Advice Chief Operating Officer & Chief Technology Officer at ING, bridges financial strategy with technological innovation to drive business performance. Louie directs the integration of financial advisory services with advanced technology solutions, optimizing operations within the banking and financial services sectors. This comprehensive role ensures that technological advancements directly support financial objectives and operational excellence. John Louie oversees the technological infrastructure supporting finance business advice, enhancing efficiency and client service across wholesale banking and private banking. By aligning technology with financial goals, the Chief Technology Officer and Chief Operating Officer drives strategic growth and operational resilience for ING.

Adriel Aparri, the Data Analyst & Global Chief Operating Officer, Credit Risk Services at ING, leads the operational framework for credit risk management through advanced data analysis. Aparri directs the global operations focused on assessing and mitigating credit risk across all banking divisions, ensuring financial stability and regulatory compliance. This critical role leverages data insights to refine risk models and operational processes. Adriel Aparri oversees the analytical and operational strategies for credit risk services, enhancing the accuracy of risk assessments. By applying rigorous data analysis, the Global Chief Operating Officer, Credit Risk Services strengthens ING's risk management capabilities and supports sound lending practices.

Bebz Egao, the Global Chief Operating Officer Academy Knowledge Manager at ING, is responsible for developing and disseminating operational best practices across the global organization. Egao manages the knowledge base and training programs designed to enhance operational expertise within retail banking, commercial banking, and wholesale banking. This role is vital for fostering a culture of continuous improvement and operational excellence. Bebz Egao oversees the knowledge management initiatives that support the global Chief Operating Officer functions, ensuring consistent application of standards. By curating and sharing critical operational knowledge, the Knowledge Manager drives efficiency and elevates the skill sets of ING's operational teams worldwide.

Lorena Cardines, the Global Chief Operating Officer, Product Lead, Finance at ING, drives operational excellence and product development within the finance division. Cardines oversees the strategic direction and execution of financial products and services, ensuring alignment with market needs and regulatory requirements across global operations. This leadership position focuses on optimizing product lifecycles and operational efficiency. Lorena Cardines leads the product strategy for finance, enhancing the delivery of banking and financial services. By integrating operational expertise with product leadership, the Global Chief Operating Officer, Product Lead, Finance ensures ING's financial offerings are competitive and effectively managed.

Celeste Henriquez, the Chief of Staff at ING, provides strategic support and operational coordination for the executive leadership team. Henriquez facilitates communication and alignment across departments, ensuring key initiatives progress efficiently within the banking and financial services framework. This role involves managing special projects, driving strategic planning processes, and optimizing the effectiveness of executive decision-making. Celeste Henriquez supports the Chief Executive Officer in executing strategic priorities, enhancing organizational agility. By coordinating cross-functional efforts, the Chief of Staff ensures that ING's operations in retail banking, commercial banking, and investment banking remain synchronized with its overall mission.

Cigdem Carino, the Chief Information Officer at ING, leads the technology strategy and digital transformation initiatives for the multinational financial services corporation. Carino oversees the development and implementation of robust IT infrastructure, cybersecurity measures, and digital platforms that support retail banking, commercial banking, and investment banking operations. This role is pivotal in ensuring technological innovation and operational resilience. Cigdem Carino drives the digital evolution of asset management and insurance services, enhancing customer engagement and operational efficiency. By leveraging cutting-edge technology, the Chief Information Officer ensures ING remains at the forefront of digital finance and secure data management.