Tonik Executive and Leadership Team

Bryan Luis, the Chief Financial Officer at Tonik, manages the entire fiscal health and capital allocation strategy for the organization. Overseeing financial planning and analysis, the Chief Financial Officer ensures that all budgetary frameworks align with the aggressive growth targets set by the board. This leadership role involves maintaining rigorous compliance with Bangko Sentral ng Pilipinas regulations while optimizing the balance sheet for long-term sustainability. By directing capital investment initiatives, Bryan Luis directly impacts the ability of the neobank to scale its loan and deposit products across the Philippine market. Furthermore, the Chief Financial Officer coordinates with global investors to secure funding rounds that fuel expansion. Through precise financial modeling and risk assessment, Luis maintains the fiscal integrity required to support the digital-only banking model, ensuring that every investment contributes to the overarching mission of financial inclusion.

Bryan San Luis, the Chief Financial Officer, Tonik Digital Bank Inc (Philippines) at Tonik, manages the localized financial reporting and regulatory compliance for the Philippine entity. Overseeing the specific fiscal requirements of the local banking license, the Chief Financial Officer, Tonik Digital Bank Inc (Philippines) ensures that all regional financial activities adhere to the strict standards set by the Bangko Sentral ng Pilipinas. This leadership role involves managing local liquidity ratios and capital adequacy to support the bank's lending portfolio. By directing the financial operations within the country, Bryan San Luis directly impacts the stability and growth of the local market presence. Furthermore, the Chief Financial Officer, Tonik Digital Bank Inc (Philippines) collaborates with the group finance team to ensure alignment with global reporting standards. Through meticulous oversight of local financial performance, San Luis secures the necessary resources to expand the bank's footprint across the region.

Todd Esposito, the Group Chief Financial Officer at Tonik, directs the overarching financial strategy and investor relations for the entire organization. Overseeing the consolidation of financial data across all regional entities, the Group Chief Financial Officer ensures that the company maintains a strong capital position to support global expansion. This leadership role involves managing relationships with leading global investors and ensuring that the bank's financial narrative aligns with its long-term growth objectives. By directing the group-wide financial planning, Todd Esposito directly impacts the strategic direction of the neobank. Furthermore, the Group Chief Financial Officer coordinates with the board to evaluate new market opportunities and potential capital raises. Through the implementation of sophisticated financial controls and reporting systems, Esposito ensures that the organization remains transparent and accountable to its stakeholders, providing the necessary financial foundation for the company's continued success in the digital banking sector.

Tomasz Borowski, the Chief Operating Officer at Tonik, directs the daily execution of banking operations and service delivery systems. Overseeing the integration of mobile-first banking workflows, the Chief Operating Officer ensures that customer-facing processes remain seamless and efficient. This leadership role involves streamlining internal procedures to support the rapid onboarding of new users while maintaining high standards of operational security. By optimizing the infrastructure for loan processing and deposit management, Tomasz Borowski directly impacts the scalability of the digital platform. Furthermore, the Chief Operating Officer manages cross-functional teams to ensure that service delivery meets the evolving demands of the Philippine market. Through the implementation of lean operational methodologies, Borowski drives productivity gains across the organization, ensuring that the neobank maintains a competitive edge in the digital finance sector while upholding the highest levels of service quality.

Long Pineda, the Country President at Tonik, directs the overall business strategy and market expansion efforts within the Philippines. Overseeing the execution of the bank's mission to provide accessible digital financial services, the Country President ensures that the organization meets its growth targets while maintaining regulatory compliance. This leadership role involves representing the bank in high-level discussions with industry stakeholders and the Bangko Sentral ng Pilipinas. By directing the local operations, Long Pineda directly impacts the bank's market position and brand reputation. Furthermore, the Country President coordinates with the executive team to ensure that local initiatives align with the group's global vision. Through the strategic management of local partnerships and customer acquisition channels, Pineda drives the adoption of digital banking solutions, ensuring that the company remains at the forefront of the financial revolution in the region.

Melvin Ramis, the Chief Technology Officer (Ph) at Tonik, architects the robust digital infrastructure that powers the mobile-first banking experience. Overseeing the development of secure cloud-based systems, the Chief Technology Officer (Ph) ensures that the platform remains resilient against cyber threats while providing a seamless user interface. This leadership role involves managing the engineering teams responsible for the core banking engine and embedded finance integrations. By directing the technological roadmap, Melvin Ramis directly impacts the speed and reliability of financial transactions for users across the Philippines. Furthermore, the Chief Technology Officer (Ph) collaborates with product managers to deploy innovative features that differentiate the bank in a crowded digital market. Through the continuous optimization of software architecture, Ramis ensures that the technology stack remains scalable, supporting the rapid growth of the user base and the expansion of the bank's digital service offerings.

Vane Macatangay, the Group Deputy Chief People Officer, Ph Country Human Resources Head at Tonik, directs the talent acquisition and organizational development strategies. Overseeing the recruitment of top-tier tech and banking talent, the Group Deputy Chief People Officer, Ph Country Human Resources Head ensures that the company culture fosters innovation and high performance. This leadership role involves managing employee engagement programs and professional development initiatives that support the bank's rapid growth. By directing the human resources strategy, Vane Macatangay directly impacts the ability of the organization to attract and retain the skilled workforce necessary for digital transformation. Furthermore, the Group Deputy Chief People Officer, Ph Country Human Resources Head collaborates with leadership to align workforce planning with the company's strategic goals. Through the cultivation of a diverse and inclusive workplace, Macatangay ensures that the organization remains a preferred employer in the competitive Philippine financial services market.