Leadership Overview
ING has 9 executives leading key functions including strategic coordination, information technology, financial oversight, and operational excellence.
Committed to empowering people to stay a step ahead in life and business, ING delivers seamless digital banking solutions and comprehensive financial services across global markets.
Committed to empowering people to stay a step ahead in life and business, ING delivers seamless digital banking solutions and comprehensive financial services across global markets.
Leadership Roles at ING
Michal Kowalczyk - Chief Financial Officer
Michal Kowalczyk, the Chief Financial Officer at ING, directs the financial strategy and capital allocation for the entire multinational corporation. Managing the balance sheet and fiscal reporting, the Chief Financial Officer ensures compliance with international banking regulations while optimizing profitability across retail and commercial banking segments. Michal Kowalczyk oversees the asset management division to maximize returns and mitigate risks in volatile market conditions. This role involves constant interaction with investors and regulatory bodies to maintain transparency and trust. By analyzing market trends, the Chief Financial Officer provides the strategic guidance necessary for sustainable growth. Michal Kowalczyk also monitors the financial health of various regional operations to ensure alignment with the overarching corporate objectives. Through disciplined fiscal management, the Chief Financial Officer secures the long-term viability of the institution while supporting the expansion of diverse financial services.
Robert Pontbriand - Chief Operating Officer
Robert Pontbriand, the Chief Operating Officer at ING, manages the day-to-day operational functions that support the bank's extensive retail and wholesale services. By optimizing internal workflows, the Chief Operating Officer ensures that service delivery remains efficient and customer-centric across all global branches. Robert Pontbriand oversees the integration of operational processes to support the bank's diverse portfolio, including insurance and private banking. This leadership role involves coordinating with other C-suite executives to align operational capacity with strategic growth targets. Robert Pontbriand drives initiatives that improve service quality and reduce overhead costs through process automation. By maintaining high standards of operational excellence, the Chief Operating Officer supports the bank's mission to provide reliable financial solutions. This position requires constant monitoring of operational metrics to ensure that the organization meets the evolving needs of the global financial market.
Ana Alonzo - Operations Management Process Specialist & Chief Operating Officer, Transformation Process Excellence
Ana Alonzo, the Operations Management Process Specialist & Chief Operating Officer, Transformation Process Excellence at ING, leads the redesign of core banking processes to drive organizational transformation. Focusing on process excellence, the Chief Operating Officer, Transformation Process Excellence identifies inefficiencies within retail and commercial banking workflows. Ana Alonzo implements standardized methodologies to enhance operational speed and accuracy across the enterprise. This role involves collaborating with cross-functional teams to embed a culture of continuous improvement throughout the organization. By leveraging data-driven insights, the Chief Operating Officer, Transformation Process Excellence optimizes resource allocation and improves service delivery models. Ana Alonzo ensures that all transformation initiatives align with the bank's broader strategic goals for digital and operational maturity. Through the application of rigorous process management, the Chief Operating Officer, Transformation Process Excellence strengthens the bank's ability to adapt to changing market demands and regulatory requirements.
Bebz Egao - Global Chief Operating Officer Academy Knowledge Manager
Bebz Egao, the Global Chief Operating Officer Academy Knowledge Manager at ING, directs the development of internal training programs to elevate operational expertise across the global workforce. By managing the knowledge repository, the Global Chief Operating Officer Academy Knowledge Manager ensures that best practices in banking operations are disseminated effectively to all regional teams. Bebz Egao designs educational frameworks that support the bank's commitment to professional development and operational excellence. This role involves synthesizing complex operational data into actionable learning modules for staff members. Bebz Egao facilitates the transfer of critical knowledge to improve performance in retail and wholesale banking functions. By fostering a culture of continuous learning, the Global Chief Operating Officer Academy Knowledge Manager strengthens the organization's internal capabilities. This position remains vital for maintaining high standards of service and operational consistency across the multinational footprint of the company.
Adriel Aparri - Data Analyst & Global Chief Operating Officer, Credit Risk Services
Adriel Aparri, the Data Analyst & Global Chief Operating Officer, Credit Risk Services at ING, evaluates credit risk profiles to protect the bank's financial assets. By analyzing large datasets, the Global Chief Operating Officer, Credit Risk Services identifies potential vulnerabilities in the lending portfolio and recommends mitigation strategies. Adriel Aparri oversees the implementation of risk management protocols that support the bank's retail and commercial banking operations. This role involves collaborating with the finance and data teams to ensure that credit decisions align with the bank's risk appetite. Adriel Aparri provides critical insights that inform the development of new financial products and services. By monitoring credit performance across diverse markets, the Global Chief Operating Officer, Credit Risk Services ensures that the organization maintains a healthy balance between growth and risk exposure. This position is essential for safeguarding the financial integrity of the institution.
Benedict Ullado - Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics
Benedict Ullado, the Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics at ING, manages the delivery of critical data assets to support risk finance and retail banking operations. By overseeing the data architecture, the Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics ensures that information flows seamlessly across the organization to support informed decision-making. Benedict Ullado directs the integration of advanced analytics into the bank's retail and risk management processes. This role involves leading cross-functional chapters to improve data quality and accessibility for all business units. Benedict Ullado ensures that data delivery initiatives align with the bank's broader strategy for digital transformation. Through the effective management of data assets, the Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics enhances the bank's ability to respond to market shifts and customer needs.
Vishesh Shroff - Senior Customer Insights Analyst & Chief Operating Officer, Analytics Coe
Vishesh Shroff, the Senior Customer Insights Analyst & Chief Operating Officer, Analytics Coe at ING, leads the analytics center of excellence to uncover actionable insights from customer behavior data. By interpreting complex datasets, the Chief Operating Officer, Analytics Coe informs the development of personalized banking services and marketing strategies. Vishesh Shroff oversees the deployment of analytical tools that enhance the bank's understanding of retail and private banking customers. This role involves collaborating with product teams to ensure that customer insights drive innovation and service improvements. Vishesh Shroff directs the efforts of the analytics team to maintain a competitive advantage in the financial services sector. By translating data into strategic recommendations, the Chief Operating Officer, Analytics Coe supports the bank's mission to provide superior customer experiences. This position is critical for aligning the bank's offerings with the evolving preferences of a diverse global clientele.
Celeste Henriquez - Chief of Staff
Celeste Henriquez, the Chief of Staff at ING, manages executive workflows and facilitates cross-departmental communication to ensure organizational alignment. By streamlining internal processes, the Chief of Staff enables the leadership team to focus on core banking objectives and long-term financial stability. Celeste Henriquez coordinates high-level initiatives that span retail and wholesale banking sectors, ensuring that strategic priorities receive consistent attention. This role involves synthesizing complex data from various business units to support informed decision-making at the board level. Through rigorous oversight of administrative and operational projects, the Chief of Staff maintains the efficiency of the corporate structure. By fostering collaboration across diverse teams, the Chief of Staff drives the execution of the broader corporate mission. This position remains central to maintaining the operational rhythm of the organization while supporting the expansion of financial services across international markets.
Sergey Garanin - Chief Information Officer
Sergey Garanin, the Chief Information Officer at ING, architects the digital infrastructure necessary for modern retail and investment banking. Overseeing the technological roadmap, the Chief Information Officer ensures that all banking platforms remain secure, scalable, and user-friendly for a global customer base. Sergey Garanin directs the integration of advanced financial technologies to enhance service delivery and operational efficiency. This leadership role involves managing large-scale IT projects that support the bank's commitment to digital innovation. By aligning technical capabilities with business goals, the Chief Information Officer facilitates the seamless processing of wholesale and private banking transactions. The Chief Information Officer also monitors cybersecurity protocols to protect sensitive financial data across all regional operations. Through the implementation of robust software solutions, the Chief Information Officer maintains the competitive edge of the organization in an increasingly digital financial landscape.
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