ING Executive and Leadership Team

Michal Kowalczyk, the Chief Financial Officer at ING, directs the comprehensive fiscal strategy and capital allocation processes for the organization. Overseeing global financial reporting, the Chief Financial Officer ensures strict adherence to international banking regulations while optimizing liquidity management across diverse retail and wholesale portfolios. This leadership role involves constant collaboration with the Board to refine investment banking performance and asset management profitability. By implementing advanced analytical frameworks, Michal Kowalczyk directly impacts the long-term solvency and market competitiveness of the institution. Kowalczyk manages the integration of financial data across European and international markets, driving efficiency in capital deployment. Through rigorous oversight of balance sheet health, the Chief Financial Officer secures the financial foundation necessary for sustained growth in the competitive banking sector, ultimately reinforcing the stability of the entire corporate structure.

Robert Pontbriand, the Chief Operating Officer at ING, manages the internal infrastructure and technological frameworks supporting the bank's extensive retail and commercial operations. Overseeing the execution of digital transformation initiatives, the Chief Operating Officer streamlines service delivery models to enhance customer experience across the EMEA region. This role requires constant coordination with technology teams to modernize banking platforms and improve operational agility. By refining internal processes, Robert Pontbriand directly supports the scalability of wholesale banking services and private banking offerings. Pontbriand drives the implementation of automated systems to reduce overhead costs while maintaining high standards of service quality. Through the optimization of operational workflows, the Chief Operating Officer ensures that the organization remains responsive to shifting market demands, effectively bridging the gap between complex financial product development and efficient, client-facing execution.

Benedict Ullado, the Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics at ING, architects the data-driven risk assessment models essential for global retail banking stability. Overseeing the integration of advanced analytics into financial decision-making, the Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics ensures that data delivery pipelines remain secure and highly performant. This leadership role involves managing complex risk finance frameworks that protect the bank against market volatility. By leveraging big data, Benedict Ullado directly influences the accuracy of credit risk modeling and retail banking strategy. Ullado coordinates with global data teams to standardize reporting protocols, ensuring consistency across international operations. Through the application of sophisticated analytical tools, the Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics mitigates systemic risks while fostering innovation in data-centric financial services.

Rabia Büyükçapar, the President, CCC Education Quality & Strategic Planning Management Department Vise at ING, directs the long-term strategic planning and educational quality standards for internal talent development. Overseeing the alignment of corporate training programs with the bank's broader financial services mission, the President, CCC Education Quality & Strategic Planning Management Department Vise ensures that the workforce possesses the necessary expertise to navigate complex retail and investment banking landscapes. This leadership role involves designing educational frameworks that support organizational growth and operational excellence. By fostering a culture of continuous improvement, Rabia Büyükçapar directly impacts the professional capabilities of the global staff. Büyükçapar manages the strategic roadmap for departmental quality, ensuring that educational initiatives remain relevant to the evolving needs of the banking industry. Through the implementation of rigorous planning metrics, the President, CCC Education Quality & Strategic Planning Management Department Vise secures the intellectual capital required for sustained market leadership.