Tonik Executive and Leadership Team

Carmina Esteban, the Chief Financial Officer at Tonik, manages the comprehensive fiscal health and capital allocation strategies for the organization. Esteban directs the financial planning and analysis teams to ensure sustainable growth within the competitive digital banking sector. By overseeing liquidity management and regulatory reporting, the Chief Financial Officer maintains alignment with the Bangko Sentral ng Pilipinas standards. This leadership role involves constant collaboration with global investors to secure funding for expansion initiatives. Through rigorous oversight of the balance sheet, Carmina Esteban optimizes capital efficiency to support the neobank's aggressive market penetration. The Chief Financial Officer also evaluates investment opportunities that enhance the digital product suite. By driving fiscal discipline across all departments, Esteban secures the long-term financial stability required to scale operations effectively throughout the Southeast Asian market, ensuring that every financial decision directly contributes to the overarching mission of providing accessible banking solutions.

Anastassiya Likhacheva, the Deputy Chief Financial Officer at Tonik, supports the execution of complex financial strategies and internal audit functions. Likhacheva monitors the daily cash flow and treasury operations to ensure optimal resource allocation across the digital banking platform. By analyzing financial data, the Deputy Chief Financial Officer provides actionable insights that guide the executive team in making informed investment decisions. This leadership role involves managing the reporting cycles and ensuring compliance with internal financial controls. Through the rigorous assessment of fiscal risks, Anastassiya Likhacheva protects the company's assets while facilitating growth in the competitive neobanking landscape. The Deputy Chief Financial Officer also collaborates with external auditors to maintain transparency and accuracy in all financial statements. By refining the internal accounting processes, Likhacheva strengthens the financial foundation of the organization, ensuring that all operational activities remain aligned with the broader strategic goals of the company.

Todd Esposito, the Group Chief Financial Officer at Tonik, directs the overarching financial strategy and investor relations for the entire corporate group. Esposito oversees the capital structure and long-term financial planning to ensure the company remains attractive to global investors like Mizuho Bank and Point72 Ventures. By managing the group-wide financial performance, the Group Chief Financial Officer ensures that all regional entities operate within established fiscal parameters. This leadership role involves coordinating with the board to define the financial roadmap for international expansion and market dominance. Through the strategic management of equity and debt financing, Todd Esposito secures the necessary resources to fuel innovation in embedded finance. The Group Chief Financial Officer also evaluates the financial impact of new product launches on the company's valuation. By maintaining strong relationships with global stakeholders, Esposito ensures that the organization possesses the financial resilience to navigate complex market environments while achieving sustainable growth.

Bryan San Luis, the Chief Financial Officer, Tonik Digital Bank Inc (Philippines) at Tonik, manages the localized financial operations and regulatory reporting specific to the Philippine market. San Luis oversees the tax compliance and local treasury functions to ensure adherence to the Bangko Sentral ng Pilipinas mandates. By monitoring the performance of local loan portfolios, the Chief Financial Officer, Tonik Digital Bank Inc (Philippines) optimizes the revenue streams generated from domestic banking services. This leadership role involves working closely with local regulators to maintain the integrity of the banking license. Through the implementation of localized financial controls, Bryan San Luis mitigates operational risks and ensures the accuracy of all domestic financial reporting. The Chief Financial Officer, Tonik Digital Bank Inc (Philippines) also supports the development of local financial products that cater to the specific needs of the Philippine consumer base. By driving fiscal efficiency within the country, San Luis strengthens the company's local market position.

Tomasz Borowski, the Chief Operating Officer at Tonik, architects the internal processes and operational frameworks that power the digital-only banking platform. Borowski oversees the seamless integration of loan processing and deposit management systems to ensure a frictionless mobile-first experience for customers. By streamlining cross-functional workflows, the Chief Operating Officer drives operational excellence and reduces latency in service delivery. This leadership role involves managing the infrastructure that supports high-volume transaction processing across the Philippines. Through the implementation of automated operational protocols, Tomasz Borowski enhances organizational agility and responsiveness to market shifts. The Chief Operating Officer also coordinates with the technology teams to refine the digital banking architecture. By prioritizing efficiency and scalability, Borowski ensures that the operational backbone of the company remains robust enough to handle rapid user growth, ultimately maintaining the high service standards expected of a modern, licensed neobank.

Long Pineda, the Country President at Tonik, directs the overall strategic vision and market expansion efforts within the Philippines. Pineda oversees the execution of the company's business model, ensuring that all banking services align with the needs of the local population and regulatory requirements. By leading the executive team, the Country President drives the growth of the loan and deposit portfolios while maintaining a focus on customer acquisition. This leadership role involves representing the company in high-level discussions with industry stakeholders and government officials. Through the strategic management of local operations, Long Pineda ensures that the neobank remains a dominant force in the digital finance sector. The Country President also fosters partnerships that enhance the company's market reach and service capabilities. By championing the mission of financial inclusion, Pineda secures the company's reputation as a leader in the Philippine banking industry, driving long-term value for all stakeholders involved.

Melvin Ramis, the Chief Technology Officer (Ph) at Tonik, architects the secure and scalable cloud infrastructure that powers the mobile-first banking application. Ramis oversees the software development lifecycle and the integration of advanced security protocols to protect user data and financial transactions. By leading the engineering teams, the Chief Technology Officer (Ph) ensures the continuous deployment of innovative features that enhance the digital banking experience. This leadership role involves managing the technical roadmap to support high-frequency banking activities across the Philippines. Through the implementation of cutting-edge fintech solutions, Melvin Ramis drives the digital transformation of the company's service offerings. The Chief Technology Officer (Ph) also collaborates with the operations team to ensure system reliability and uptime. By prioritizing technical excellence and cybersecurity, Ramis maintains the integrity of the digital platform, ensuring that the technology stack remains a competitive advantage in the rapidly evolving neobanking sector.

Vane Macatangay, the Group Deputy Chief People Officer, Ph Country Human Resources Head at Tonik, directs the talent acquisition and organizational development strategies for the workforce. Macatangay oversees the implementation of human resources policies that foster a culture of innovation and high performance. By managing the recruitment of top-tier talent, the Group Deputy Chief People Officer, Ph Country Human Resources Head ensures that the company possesses the human capital necessary to execute its digital banking mission. This leadership role involves designing employee engagement programs that support professional growth and retention. Through the strategic alignment of workforce capabilities with business objectives, Vane Macatangay drives organizational efficiency and morale. The Group Deputy Chief People Officer, Ph Country Human Resources Head also coordinates with the executive team to address the evolving needs of the staff. By cultivating a diverse and inclusive workplace, Macatangay strengthens the company's ability to attract and retain the talent required to lead the neobanking industry.