ING Executive and Leadership Team

Onur Gul, the Chief Executive Officer. Board Member, ING Leasing Türkiye at ING, directs the strategic trajectory of leasing operations across the Turkish market. This leadership role involves overseeing asset financing portfolios and ensuring alignment with broader corporate banking objectives. By managing board-level governance, Gul drives sustainable growth within the regional financial services sector. The Chief Executive Officer. Board Member, ING Leasing Türkiye maintains rigorous oversight of risk management frameworks to protect institutional capital. Through the implementation of innovative leasing products, Gul enhances market penetration and strengthens client relationships. This executive position requires constant coordination with international stakeholders to optimize service delivery. By fostering a culture of operational efficiency, Onur Gul secures long-term profitability for the organization. The Chief Executive Officer. Board Member, ING Leasing Türkiye remains focused on expanding the footprint of financial services while maintaining strict regulatory compliance across all leasing activities.

Michal Kowalczyk, the Chief Financial Officer at ING, manages the fiscal health and capital allocation strategies of the multinational corporation. This role involves overseeing financial reporting, budgeting, and investment management to ensure long-term stability. By directing treasury operations, Kowalczyk optimizes liquidity and manages market risks across diverse banking sectors. The Chief Financial Officer coordinates with executive leadership to evaluate the financial impact of new retail and wholesale banking initiatives. Through rigorous analysis of market trends, Kowalczyk provides the insights necessary for informed decision-making at the board level. Michal Kowalczyk maintains strict adherence to international accounting standards and regulatory requirements. This leadership position requires constant monitoring of global economic conditions to adjust financial strategies accordingly. By implementing cost-efficiency measures, the Chief Financial Officer supports the organization's commitment to sustainable growth. Kowalczyk ensures that capital resources are deployed effectively to maximize shareholder value while maintaining the integrity of the financial services portfolio.

Robert Pontbriand, the Chief Operating Officer at ING, directs the internal processes and operational workflows that sustain the bank's global service delivery. This role involves optimizing the efficiency of retail and commercial banking operations to ensure high-quality customer experiences. By managing cross-functional teams, Pontbriand streamlines administrative functions and improves service speed. The Chief Operating Officer oversees the implementation of operational policies that align with the company's broader strategic goals. This leadership position requires constant coordination with other C-suite members to resolve bottlenecks and enhance productivity. Through the application of lean management principles, Robert Pontbriand reduces operational costs while maintaining high standards of service. The Chief Operating Officer monitors performance metrics to identify areas for continuous improvement across the organization. By fostering a culture of operational excellence, Pontbriand ensures that the bank remains competitive in a rapidly evolving financial landscape. This executive role remains central to maintaining the seamless execution of daily banking activities.

Adriel Aparri, the Data Analyst & Global Chief Operating Officer, Credit Risk Services at ING, directs the analytical frameworks used to assess and mitigate credit risk across global portfolios. This role involves leveraging advanced data modeling to inform lending decisions and protect the bank's assets. By overseeing the operational aspects of credit risk management, Aparri ensures that risk assessment processes are both accurate and efficient. The Data Analyst & Global Chief Operating Officer, Credit Risk Services coordinates with risk management teams to integrate data-driven insights into daily operations. This leadership position requires constant monitoring of credit quality and market volatility to adjust risk parameters. Through the implementation of sophisticated analytical tools, Adriel Aparri enhances the precision of risk forecasting. The Data Analyst & Global Chief Operating Officer, Credit Risk Services maintains a focus on regulatory compliance and internal risk standards. By optimizing data workflows, Aparri supports the organization's ability to provide secure and sustainable credit services to retail and commercial clients.

Ana Alonzo, the Operations Management Process Specialist & Chief Operating Officer, Transformation Process Excellence at ING, architects the transformation of internal business processes to drive organizational efficiency. This role involves identifying opportunities for process improvement and implementing standardized workflows across the bank's service divisions. By overseeing transformation initiatives, Alonzo ensures that operational changes align with the company's commitment to excellence. The Operations Management Process Specialist & Chief Operating Officer, Transformation Process Excellence coordinates with department heads to eliminate redundancies and enhance service delivery. This leadership position requires constant evaluation of operational performance metrics to track the success of transformation projects. Through the application of process management methodologies, Ana Alonzo fosters a culture of continuous improvement. The Operations Management Process Specialist & Chief Operating Officer, Transformation Process Excellence maintains a focus on scaling operational capabilities to support global growth. By optimizing internal processes, Alonzo enables the organization to remain agile and responsive to changing market demands.

Benedict Ullado, the Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics at ING, directs the delivery of critical data assets to support risk finance and global retail operations. This role involves managing the infrastructure for data analytics to ensure that decision-makers have access to accurate and timely information. By overseeing the data delivery lifecycle, Ullado enhances the bank's ability to manage financial risk and retail performance. The Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics coordinates with data science teams to integrate advanced analytics into financial reporting. This leadership position requires constant collaboration with stakeholders to align data delivery with business needs. Through the implementation of robust data governance, Benedict Ullado ensures the integrity and security of information assets. The Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics supports the organization's mission by providing the analytical foundation for strategic financial management.

Vishesh Shroff, the Senior Customer Insights Analyst & Chief Operating Officer, Analytics Coe at ING, directs the customer analytics strategy to improve service personalization and market engagement. This role involves analyzing consumer behavior data to identify trends and opportunities for product innovation. By overseeing the operations of the Analytics Center of Excellence, Shroff ensures that insights are translated into actionable business strategies. The Senior Customer Insights Analyst & Chief Operating Officer, Analytics Coe coordinates with marketing and product teams to enhance the customer experience across digital platforms. This leadership position requires constant monitoring of market feedback to refine service offerings. Through the application of predictive analytics, Vishesh Shroff enables the organization to anticipate customer needs and improve retention. The Senior Customer Insights Analyst & Chief Operating Officer, Analytics Coe maintains a focus on data-driven decision-making to support the bank's competitive position. By optimizing analytical workflows, Shroff ensures that customer insights remain at the core of the company's growth strategy.

Ankur Kakkar, the Chief Operating Officer & Data Management Domain Lead Wholesale Banking, Finance, Risk, Human Resources, KYC & Data Office Chief at ING, directs the operational and data management strategies across multiple critical business domains. This role involves overseeing the integration of data governance within wholesale banking, finance, and risk management. By managing the data office, Kakkar ensures that information assets are utilized effectively to support compliance and operational efficiency. The Chief Operating Officer & Data Management Domain Lead Wholesale Banking, Finance, Risk, Human Resources, KYC & Data Office Chief coordinates with HR and KYC teams to streamline internal processes and regulatory adherence. This leadership position requires constant collaboration with cross-functional leaders to align data management with corporate objectives. Through the implementation of comprehensive data strategies, Ankur Kakkar enhances the bank's ability to manage complex financial and human resource operations. The Chief Operating Officer & Data Management Domain Lead Wholesale Banking, Finance, Risk, Human Resources, KYC & Data Office Chief supports the organization's mission by ensuring that data remains a strategic asset for global banking operations.

Sergey Garanin, the Chief Information Officer at ING, architects the digital infrastructure supporting global banking operations. This role involves managing complex information systems and ensuring the security of retail and wholesale banking platforms. By driving technological innovation, Garanin enables seamless digital experiences for millions of customers. The Chief Information Officer oversees the integration of advanced software solutions to streamline financial transactions and data processing. This leadership function requires constant collaboration with the board to align IT investments with long-term corporate goals. Through the modernization of legacy systems, Garanin improves operational agility and reduces technical debt. Sergey Garanin maintains a focus on cybersecurity, implementing robust protocols to safeguard sensitive financial data. The Chief Information Officer ensures that the technological backbone of the organization remains resilient against evolving digital threats. By optimizing cloud architecture and data management, Garanin supports the overall mission of providing efficient, accessible financial services on a global scale.

Celeste Henriquez, the Chief of Staff at ING, coordinates the strategic initiatives and communication flows between the executive leadership team and the broader organization. This role involves managing the office of the CEO and ensuring that corporate priorities are executed across all departments. By facilitating alignment between different business units, Henriquez enhances organizational cohesion and operational focus. The Chief of Staff oversees the preparation of high-level briefings and board materials to support informed decision-making. This leadership function requires constant interaction with various stakeholders to ensure that strategic projects remain on schedule. Through the management of internal communications, Celeste Henriquez promotes transparency and clarity regarding the company's mission. The Chief of Staff monitors the progress of key initiatives and identifies potential risks to project success. By streamlining executive workflows, Henriquez enables the leadership team to focus on long-term growth and market impact. This role remains essential for maintaining the operational rhythm of the global financial services corporation.