ING Executive and Leadership Team

Michal Kowalczyk, the Chief Financial Officer at ING, directs the fiscal strategy and capital management policies of the corporation. Overseeing global financial reporting, the Chief Financial Officer ensures transparency and compliance with international banking regulations. Michal Kowalczyk manages the balance sheet, liquidity, and risk exposure to protect the financial health of the institution. This leadership role involves providing critical insights to the board regarding investment banking opportunities and asset management performance. By analyzing market volatility, the Chief Financial Officer mitigates potential threats to profitability. The Chief Financial Officer drives the budgeting process and allocates capital to high-growth areas within the retail and commercial banking divisions. Through precise financial forecasting, the Chief Financial Officer supports the long-term sustainability of the firm. This position requires a deep understanding of global economic shifts and the ability to translate complex financial data into actionable strategies that drive shareholder value and maintain the robust market position of the bank.

Robert Pontbriand, the Chief Operating Officer at ING, directs the internal infrastructure and daily operational workflows of the bank. Overseeing the efficiency of retail and wholesale banking platforms, the Chief Operating Officer streamlines processes to enhance customer experience. Robert Pontbriand manages the integration of new technologies into existing banking systems to support digital transformation initiatives. This leadership role involves coordinating cross-functional teams to ensure seamless service delivery across international borders. By optimizing resource allocation, the Chief Operating Officer reduces operational friction and improves overall productivity. The Chief Operating Officer maintains strict adherence to internal quality standards while scaling operations to meet growing market demands. Through the implementation of robust operational frameworks, the Chief Operating Officer supports the broader financial goals of the organization. This role requires constant monitoring of service delivery metrics to ensure that the bank remains agile and responsive to the evolving needs of the global financial landscape.

Benedict Ullado, the Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics at ING, directs the integration of advanced data analytics into risk management and retail banking operations. Overseeing the delivery of data-driven insights, the Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics ensures that risk assessment models remain accurate and predictive. Benedict Ullado manages the technical teams responsible for building scalable data infrastructure that supports global retail banking functions. This leadership role involves bridging the gap between complex data science and practical financial application to improve decision-making processes. By leveraging big data, the Senior Chief Operating Officer, Chapter Lead Risk Finance & Global Retail, Data Delivery Under Data & Analytics enhances the ability of the bank to identify and mitigate financial risks in real-time. This position requires constant collaboration with technology departments to ensure that data delivery remains secure, compliant, and highly efficient across all international operations.

Rabia Büyükçapar, the President, CCC Education Quality & Strategic Planning Management Department Vise at ING, directs the educational standards and long-term strategic planning initiatives for the organization. Overseeing the quality of internal training programs, the President, CCC Education Quality & Strategic Planning Management Department Vise ensures that the workforce remains highly skilled and aligned with corporate values. Rabia Büyükçapar manages the development of strategic roadmaps that guide the bank through changing market conditions. This leadership role involves fostering a culture of continuous improvement and professional excellence across all departments. By aligning educational outcomes with business objectives, the President, CCC Education Quality & Strategic Planning Management Department Vise strengthens the internal capabilities of the firm. This position requires a focus on future-proofing the organization through rigorous planning and the implementation of high-quality management practices. Through the coordination of strategic projects, the President, CCC Education Quality & Strategic Planning Management Department Vise ensures that the bank maintains its competitive edge and operational readiness in the global financial sector.

Tanja van der Woude, the Managing Director at ING, directs the overarching strategic vision for the organization. Overseeing high-level corporate governance, the Managing Director ensures alignment between regional banking units and global financial objectives. Tanja van der Woude manages complex stakeholder relationships while driving expansion across European markets. This leadership role involves constant evaluation of market trends to maintain competitive advantages in retail and commercial banking sectors. By fostering innovation within the executive team, the Managing Director secures long-term growth and operational excellence. Through rigorous oversight of institutional performance, the Managing Director stabilizes the corporate trajectory. This position requires deep expertise in navigating multinational regulatory environments while optimizing capital allocation. Ultimately, the Managing Director sustains the reputation of the firm as a premier provider of financial services, ensuring that all business units adhere to the core mission of providing accessible and efficient banking solutions to a diverse global client base.