Tonik Executive and Leadership Team

Carmina Esteban, the Chief Financial Officer at Tonik, manages the company's financial strategy and health, overseeing all fiscal operations. Esteban directs financial planning, budgeting, and reporting, ensuring robust financial controls and compliance with Bangko Sentral ng Pilipinas regulations. This role is pivotal in securing and managing the capital necessary for Tonik's expansion, including its loan and deposit offerings. By analyzing financial performance and market trends, Carmina Esteban provides critical insights to guide strategic decision-making and investment opportunities. The Chief Financial Officer is responsible for managing relationships with investors and financial institutions, reinforcing Tonik's strong backing from global leaders. Through meticulous financial oversight, Esteban ensures the long-term sustainability and profitability of the digital neobank, supporting its mission to democratize financial services in the Philippines.

Anastassiya Likhacheva, the Deputy Chief Financial Officer at Tonik, supports the Chief Financial Officer in managing the bank's comprehensive financial operations. Likhacheva assists in developing and implementing financial strategies, focusing on optimizing capital allocation and managing financial risks inherent in digital banking. This role involves detailed analysis of financial data to enhance profitability and ensure adherence to stringent regulatory frameworks set by the Bangko Sentral ng Pilipinas. Anastassiya Likhacheva plays a key part in financial forecasting and reporting, providing essential data for strategic planning and investor relations. The Deputy Chief Financial Officer contributes to maintaining strong relationships with financial partners and stakeholders, reinforcing the bank's financial stability. By ensuring accuracy and efficiency in financial processes, Likhacheva supports the overall mission of providing accessible and reliable financial services through Tonik's mobile-first platform.

Bryan San Luis, the Chief Financial Officer, Tonik Digital Bank Inc (Philippines) at Tonik, directs the financial management and strategic planning specific to the bank's Philippine operations. San Luis oversees all aspects of financial health, including budgeting, forecasting, and financial reporting, ensuring compliance with local regulatory requirements. This role is critical in managing the financial resources allocated to expanding Tonik's loan and deposit products within the Philippine market. Bryan San Luis provides essential financial insights to support the country's strategic growth initiatives and optimize profitability. The Chief Financial Officer, Tonik Digital Bank Inc (Philippines) works to strengthen relationships with local financial institutions and stakeholders, reinforcing the bank's market position. By ensuring sound financial governance, San Luis contributes directly to Tonik's mission of delivering accessible digital banking services to Filipinos.

Todd Esposito, the Group Chief Financial Officer at Tonik, provides overarching financial leadership and strategic direction for the entire organization. Esposito oversees global financial planning, capital allocation, and risk management, ensuring the financial integrity and sustainability of Tonik's operations across all regions. This executive role is crucial in managing relationships with Tonik's diverse group of global investors, including Mizuho Bank and Peak XV. Todd Esposito guides the financial strategies that support the expansion of digital banking services, including loans and deposits, and the integration of embedded finance solutions. The Group Chief Financial Officer ensures adherence to international financial standards and regulatory requirements, maintaining a strong financial foundation. By driving financial performance and efficiency, Esposito directly contributes to Tonik's mission of becoming the leading digital bank in the Philippines and beyond.

Tomasz Borowski, the Chief Operating Officer at Tonik, directs the bank's day-to-day operational activities, ensuring seamless execution of its digital-only banking services. Borowski oversees the critical infrastructure that supports loan origination, deposit management, and embedded finance solutions, directly impacting the mobile-first customer experience. This leadership role involves optimizing internal processes for efficiency and scalability, aligning operational strategies with the company's mission to provide accessible financial products across the Philippines. By managing the core banking systems and customer service platforms, Tomasz Borowski drives the operational excellence required for Tonik's growth and market penetration. The Chief Operating Officer ensures robust compliance with regulatory requirements, maintaining the integrity of the bank's operations and safeguarding customer trust. This executive's focus remains on enhancing service delivery and operational resilience in a dynamic fintech environment.

Long Pineda, the Country President at Tonik, leads the strategic direction and overall business operations for Tonik in the Philippines. Pineda is responsible for driving market growth, expanding the bank's reach in loans, deposits, and embedded finance, and ensuring a superior mobile-first customer experience. This leadership role involves fostering strong relationships with local stakeholders, regulators, and the business community to advance Tonik's mission. Long Pineda oversees the execution of the company's vision, ensuring alignment between operational activities and strategic objectives. The Country President plays a pivotal part in navigating the Philippine market landscape, adapting global strategies to local needs. By championing the bank's values and driving performance, Pineda ensures Tonik's continued success and impact on the financial sector.

Melvin Ramis, the Chief Technology Officer (Ph) at Tonik, spearheads the technological vision and execution for the bank's operations in the Philippines. Ramis directs the development and maintenance of the mobile-first platform, ensuring a secure, scalable, and user-friendly experience for loans, deposits, and embedded finance. This leadership position involves overseeing the entire technology stack, from core banking systems to data analytics and cybersecurity measures. Melvin Ramis is instrumental in driving innovation, integrating cutting-edge technologies to enhance service delivery and operational efficiency. The Chief Technology Officer (Ph) collaborates closely with other C-suite executives to align technology strategy with business objectives, supporting Tonik's mission to revolutionize financial services. By ensuring technological robustness and agility, Ramis underpins the bank's ability to meet evolving customer needs and regulatory demands.

Vane Macatangay, the Group Deputy Chief People Officer, Ph Country Human Resources Head at Tonik, directs human resources strategy and operations for the Philippines. Macatangay oversees talent acquisition, development, and retention, ensuring a high-performing workforce aligned with Tonik's digital-first banking mission. This role is critical in cultivating a strong organizational culture that supports innovation and customer-centricity across all departments, from loans to deposits. Vane Macatangay manages employee relations, compensation, and benefits, ensuring compliance with labor laws and promoting employee well-being. The Group Deputy Chief People Officer, Ph Country Human Resources Head collaborates with group leadership to implement global HR initiatives while tailoring them to the specific needs of the Philippine market. By focusing on people development, Macatangay strengthens the human capital essential for Tonik's sustained growth and operational excellence.