Speakers of the XII Congress of the Polish Chamber of Insurance

Jan Krzysztof Bielecki

Co-founder of the Liberal-Democratic Congress and Freedom Union, and the Executive Director at the European Bank for Reconstruction and Development in London. Doctor honoris causa of the University of Gdańsk. He has been active on Poland’s political and economic stage for over three decades. He was the President and Chief Executive Officer at Pekao Bank S.A. from October 2003 until January 2010. In November 2009, he was appointed as the President of the Polish Institute of International Affairs Council (PISM) and served until December 2015. PISM is a leading Central European think-tank focusing on foreign policy, European integration, security and international economic relations. In March 2010, he was nominated by Prime Minister Donald Tusk as the Chairman of the Economic Council to the Prime Minister. The primary task of it is to provide the Prime Minister with an independent and objective opinions both on the current and planned government activities. The Council also assesses Poland’s socio-economic standing against the background of phenomena occurring in Europe and the global economy. He held this position until December 2014. In January 2015, he joined EY Poland as chairman of the Partners Council. In 1991, he was awarded the National Order of the Legion of Honour - Grand Officer. The same year, he was awarded the Grand Gwanghwa Medal, the Order of Diplomatic Service Merit, by the South Korean authorities. In 2010, the President of the Republic of Poland, Bronisław Komorowski, awarded Jan Krzysztof Bielecki the highest state decoration in Poland, the Order of the White Eagle. The same year, the Minister of Foreign Affairs awarded him the civil decoration “Bene Merito”. In 2013, in Bratislava, the Slovak Atlantic Commission and the Czech Euro-Atlantic Council Jagello 2000 honoured Jan Krzysztof Bielecki for his merits in promoting the idea of freedom and building democracy in Central Europe. Jan Krzysztof Bielecki started his professional career as an economics lecturer at Gdańsk University in 1973 but lost his job in 1981 due to his anti-Communist activities. In the early 1980s, he was an advisor to the leading figures of the Solidarity movement and participated in organising the historic strike at the Gdańsk Shipyard in 1981. During the first half of the 1980s, Jan Krzysztof Bielecki continued to play an active role in the then illegal Solidarity - publishing underground political materials and acting as liaison officer for the executive committee of the underground Solidarity movement. During this period, Mr Bielecki contributed to the formation of Solidarity’s economic policy by developing a market-based approach as an alternative to the communist state planning of Poland of that time. From 1982 to 1985, he co-owned a trucking company and worked as a truck driver. Between 1985 and 1990, Jan Krzysztof Bielecki was the CEO of ‘Doradca’, a Gdańsk-based consulting company founded in 1985 by members of the Solidarity movement as an alternative to state-owned companies. The company also aimed to support Solidarity’s opposition activities. After the fall of communism and the first free presidential elections in late 1990, President-elect Lech Wałęsa entrusted Bielecki with the task of forming the government. Jan Krzysztof Bielecki was sworn in as Prime Minister of the Government by Parliament on 4 January 1991. His government successfully negotiated foreign debt reduction and led to signing the European Community Association Agreement. He was world’s first to recognise Ukraine’s independence. Mr Bielecki’s cabinet resigned after democratic parliamentary elections in December 1991. Jan Krzysztof Bielecki also served as the Chairman of the Liberal Democratic Caucus, a member of the Parliamentary Committee for Foreign Relations and the Chief Delegate of the Polish Parliament to the European Parliament. In July 1992, he was appointed Minister for European Integration in Prime Minister Hanna Suchocka’s new coalition government. In December 1993, Mr Bielecki was appointed a Board Member at the European Bank for Reconstruction and Development in London. He was responsible for EBRD operations in, inter alia, Poland, Bulgaria and Albania. From 1993 to 1997, he was president of the Polish Equestrian Federation. From 2008 to 2018, he was a member of the Board of Trustees of the National Museum in Warsaw. He has published numerous articles in foreign and Polish general and specialised press, including The Wall Street Journal, Europe’s World, Rzeczpospolita, Gazeta Bankowa, Gazeta Wyborcza, Wprost, Tygodnik Powszechny, Die Welt and many others. He is also co-author of the book “Histoire de l’Europe” published in Paris in 1997 and also “Managing the Value of a Capital Company” published in Warsaw in 2012.

Vittorio Grilli

Vittorio Grilli is the Chairman of Italy and of the Corporate & Investment Bank, EMEA at J.P. Morgan and serves as a senior advisor on macroeconomic issues, global market developments and European policy actions. He is also Chair of the firm’s EMEA Advisory Council.
Vittorio has spent a long career in European economics and public service. He was an assistant professor at Yale University from 1986 to 1990 and Woolwich Professor of Financial Economics at the University of London’s Birkbeck College from 1990 to 1994.
He has held multiple positions with the Italian Treasury over the past two decades, most recently as Italian Minister of Economy and Finances under Prime Minister Monti’s Government (2011-2013), where he helped to guide the Republic through one of its most challenging economic times in the past century.
In the 1990s, he played a pivotal role during Italy’s wave of privatizations and also has served as an advisor to major international and domestic firms. Vittorio has been a distinguished leader in global markets, serving on the EU’s Economic and Financial Committee from March 2009 to January 2012, ultimately as Chairman of the committee.
Vittorio holds a Masters degree in economics from Bocconi University and a doctorate in economics from the University of Rochester.

dr hab. Jacek Jastrzębski

Jacek Jastrzębski is one of the leading Polish specialists in law and finance. He has a legal background as a graduate and professor at the Faculty of Law and Administration of University of Warsaw, as well as economic background as a graduate of SGH Warsaw School of Economics. He has also completed a prestigious ‘Professional LL.M.’ legal programme at University of California, Berkeley (United States).
Jacek Jastrzębski combined his work in banking with his academic and scientific activities. For more than ten years he served as Deputy Director of the Legal Department at Powszechna Kasa Oszczędności Bank Polski. He has been employed as Professor at the Department of Civil Law of the Faculty of Law and Administration at University of Warsaw. In 2017, he was recognised in ‘Legal 500’s GC Powerlist: Central and Eastern Europe’, a list of the most influential lawyers in Central and Eastern Europe.
As part of his scientific activity, he deals with civil law, commercial law and financial market law, and he is an author/co-author of more than 80 scientific publications. His PhD and habilitation dissertations have received awards from Państwo i Prawo monthly. He participated, as a speaker and host, in a series of national and international conferences, including events regarding financial market.
The President of the Council of Ministers Mateusz Morawiecki on 24 November 2023 appointed dr. hab. Jacek Jastrzębski, prof. UW, for the position of the Chair of the KNF Board for the next term of office.

Cezary Stypułkowski

From 2010 to 2024, Mr. Stypułkowski held the position of CEO at mBank S.A.
He serves as vice-chairman of the Council of the Polish Bank Association, chairing its Large Banks Section. Since 2022, he has been also a member of MasterCard’s international board of advisors. In October 2024, Mr. Stypułkowski joined the Council of the Institute of International Finance (IIF) in Washington, D.C., the most important global organization of the financial industry, bringing together nearly 500 major players from more than 60 countries. He has served as co-chair of the Emerging Markets Advisory Council of the IIF since 2012.
From 2006 to 2010, he worked at J.P. Morgan in London, where he held the position, since 2007, of managing director of J.P. Morgan’s investment bank for Central and Eastern Europe.
He served as CEO of the PZU Group from 2003 to 2006, and headed the Board of Directors of Bank Handlowy S.A. in Warsaw from 1991 to 2003.
Mr. Stypułkowski was a member of the international advisory board of Deutsche Bank’s Board of Directors, J.P. Morgan’s European Council of Advisors, INSEAD’s international advisory board and a member of the Geneva Association.

Krystian Wiercioch

Posiada 23-letnie doświadczenie w działalności nadzorczej. W latach 1999-2002 r. pracował w Państwowym Urzędzie Nadzoru Ubezpieczeniowego, gdzie odpowiadał m.in. za nadzór bieżący nad zakładami ubezpieczeń oraz za wykonywanie zadań kontrolnych w zakresie wyceny rezerw. Od 2002 roku zatrudniony w Komisji Nadzoru Ubezpieczeń i Funduszy Emerytalnych, a od 2006 r. w Urzędzie Komisji Nadzoru Finansowego, gdzie piastował stanowiska kierownicze w obszarze nadzoru nad sektorem ubezpieczeń. Od 2009 roku Zastępca Dyrektora, a następnie Dyrektor Departamentu Inspekcji Ubezpieczeniowych. Odpowiadał m.in. za planowanie i realizację kontroli w zakładach ubezpieczeń, u dystrybutorów ubezpieczeń a także w Powszechnych Towarzystwach Emerytalnych. Brał m.in. udział w przygotowywaniu wytycznych i rekomendacji nadzorczych oraz w prowadzeniu procesów przedaplikacyjnych i aplikacyjnych modeli wewnętrznych zakładów ubezpieczeń. Od 2020 r. p.o. Dyrektora Zarządzającego Pionem Nadzoru Ubezpieczeniowego, gdzie nadzorował sprawy sektora ubezpieczeń dot. wypłacalności, oceny ryzyka, licencjonowania i autoryzacji oraz inspekcji. W latach 2014-2020 przedstawiciel UKNF w International Organisation of Pension Supervisors (IOPS). Od 2021 roku Członek Rady Nadzorczej Ubezpieczeniowego Funduszu Gwarancyjnego.Ukończył studia magisterskie na Wydziale Matematyki, Informatyki i Mechaniki Uniwersytetu Warszawskiego, gdzie obronił pracę dyplomową w zakresie zastosowań matematyki w finansach. Uczestnik licznych szkoleń, kursów i seminariów z zakresu ubezpieczeń i aktuariatu.

Zbigniew Derdziuk

An expert in finance, management and insurance. Mr. Derdziuk has been working in the public administration sector since 1989, holding senior government positions. He was a minister in Donald Tusk’s government, as well as secretary of state at the Prime Minister’s Office in the governments of Jerzy Buzek and Kazimierz Marcinkiewicz.
From 2009 to 2015, he was the CEO of the Social Insurance Institution. During his tenure, the Electronic Services Platform (PUE ZUS), electronic e-ZLA sick leave form, and modern management solutions were introduced and the image of the Institution underwent an in-depth transformation. Mr. Derdziuk was chairman of the Geneva-based Audit Committee of the International Social Security Association (ISSA). In April this year, he was reappointed CEO of the Social Insurance Institution (ZUS). He is currently chairman of the ISSA European Network (IEN) Steering Committee, a member of the ISSA Bureau, and chairman of the ISSA Technical Commission on Old Age, Invalidity and Survivors’ Insurance.
Mr. Derdziuk also worked in the banking sector (mBank, Bank Pocztowy and PKO BP), in the media industry and in consulting, including in Ukraine.

Michał Ziemiak, PhD

Legal advisor, assistant professor at the Department of Insurance and Medical Law at the Faculty of Law and Administration, Nicolaus Copernicus University in Toruń, and a member of the Polish branch of the Association Internationale de Droit des Assurances (AIDA). He acted as an consultant and trainer for insurance companies, investment fund associations, brokers, agents, and other financial institutions. He is the author of more than 100 articles, case notes, studies, and press publications in the fields of civil law, insurance law, banking law, consumer protection, and medical law.
During his 12-year career as a legal advisor, he has primarily focused on providing ongoing support to business entities, including insurance intermediaries (brokers and agents), as well as handling cases for clients of financial market entities. This includes cases related to loans indexed/denominated in foreign currencies and claims for compensation and other benefits under insurance contracts. He has also been involved in reviewing development strategies, drafting documents, planning solutions, and products, including those for financial market entities.

Grzegorz Bielec

Graduate of the Warsaw School of Economics in the faculties of Finance and Banking as well as Quantitative Methods and Information Systems. Completed a number of courses and training in management in Poland and abroad. Gained practical experience working in reputable companies. Involved in the consulting industry since 2003 - first as a consultant at Accenture, and from 2008 at the Boston Consulting Group - responsibility for the insurance sector. Former member of BCG’s Global Insurance Practice and Financial Services Practice Carried out numerous projects in Poland and abroad in the area of financial services, with particular focus on insurance. The tasks included, among others, the development of a model of direct loss adjusting for the Polish Chamber of Insurance (PIU) and a two-brand strategy for Warta. Vice President of the Management Board of TUiR WARTA S.A. and TUnŻ Warta S.A. since 1 September 2014 – responsibility for strategy, corporate business, and strategic partnerships.

Tomasz Chróstny

Mr. Chróstny holds a degree in finance and accounting from the Warsaw School of Economics and a degree in management and production engineering from the Warsaw University of Life Sciences. He also has a PhD from the College of Business Administration at the Warsaw School of Economics. During his studies, he held a scholarship to study industrial and mechanical engineering at Vitus Bering University College. He is also a graduate of the ARGO Top Public Executive Management Training Program (equivalent to the Advanced Management Program), offered by IESE Business School and the National School of Public Administration.
Mr. Chróstny began his professional career by participating in projects focusing on financial institution audits, business valuation and the detection of crime and fraud. He was then drawing up economic, market and sector-specific analyses and economic forecasts.
Mr. Chróstny worked at the Prime Minister's Office and then at the Ministry of Entrepreneurship and Technology, where he served as director of the Economic Analysis Department until 25 August 2019. From 26 August 2019 to 26 January 2020, he served as Vice President of the Office of Competition and Consumer Protection, and on 27 January 2020, he assumed the position of President of the Office of Competition and Consumer Protection.

Marcin Nedwidek

A graduate of the Warsaw School of Economics and an MBA from London Business School. Marcin Nedwidek has been the CEO of the UNIQA Group in Poland since April 2021. Previously, since October 2020, he was the CEO of the AXA Group in Poland. In UNIQA, in addition to his role as CEO, he is also responsible for the retail property and life insurance business. He joined AXA in 2018. He was a member of the management board and director of the individual client area in the property part. Previously, he was associated with The Boston Consulting Group, where he was responsible for the development of BCG's insurance practice in Poland and Central and Eastern Europe. He also worked for another international consulting company and an investment bank in London.

Agnieszka Dąbrowska

Ms. Dąbrowska has been working in the insurance sector since 1994. She boasts extensive experience in the adjustment of motor vehicle claims, including those related to accidents abroad. She was also responsible for controlling processes (including quality control) and for designing and implementing systemic solutions. In dealing with the execution of insurance contracts, Ms. Dąbrowska has worked as both an expert and a manager. At the Polish Chamber of Insurance, she is responsible for settling claims, preventing insurance fraud, coordinating activities undertaken by the Claim Adjustment Committee and the Insurance Crime Prevention Committee, as well as for implementing all initiatives related to the above-mentioned areas.

Dorota Fal

Ms. Fal is a physician and economist who graduated from the Medical University of Wrocław, Oskar Lange Academy of Economics in Wrocław and earned an MBA in a program under the auspices of Fachhochschule Aachen, University of Limerick, Groupe ESC. She is a renowned public health expert. Her initial work experience was as a clinician. Later on, she moved to the pharmaceutical market. Since 1997, Ms. Fal has been actively involved in the insurance market, first at AIG Amplico Life and AIG PTE, then at Generali Group companies. She was involved in product management, insurance risk, customer service and sales structures in Open Pension Funds, as well as in personal and health insurance schemes. For many years, Ms. Fal has been focusing on the healthcare system, its reform and the development of health insurance solutions. She is a great promoter of ideas related to public health. An independent market expert, author of numerous articles and publications dealing with health insurance. Ms. Fal advises the Board of the Polish Chamber of Insurance on health insurance, is a BCC healthcare expert and a member of the Polish Public Health Association.

Rafał Gołębiewski

Mr. Gołębiewski is a business development leader at BIK Group and has years of experience in establishing effective cooperation with BIK and BIG InfoMonitor strategic clients. Previously, he was expanding his valuable work experience in the banking sector. He successfully developed cooperation with key corporate clients, particularly in the telecommunications market, contributing, among other things, to the dynamic growth in the value of the BIG InfoMonitor database and promoting the use of BIK data outside the financial sector. As Corporate Stream Leader, Mr. Gołębiewski is responsible for product management, sales and operational activities, including relations with the insurance sector. His commitment to maintaining close relationships with clients and to creating innovative solutions is reflected in a number of initiatives implemented in cooperation with clients, with a project aiming to integrate external data sources being one of the most recent examples.

Sławomir Grzybek

Mr. Grzybek is responsible for business intelligence and scoring models. Previously, he was a long-time employee of Bank Zachodni WBK (now Santander Bank Polska), where he held managerial positions in the Credit Division. He designed decision-making processes involving loans extended to individual customers and corporate clients. Mr. Grzybek was responsible for implementing and monitoring credit policies, as well as scoring and rating models. He also has experience in the e-Commerce industry, where he focused on financial services (Allegro Group).
Mr. Grzybek is the founder and leader of BIK’s Business Intelligence analytical team, which he has been dynamically developing for more than a dozen years now. He promotes the provision of services that are based on cross-sector data integration and that rely on modern data science tools, including artificial intelligence and machine learning.

Marcin Krzykowski

Marcin Krzykowski is a Principal at Milliman, overseeing the Warsaw, Poland, and Bucharest, Romania, offices. He joined the firm in 2008 and specializes in life insurance and pension fund business, bringing over 25 years of experience in the actuarial profession.
Marcin has been involved in a wide range of projects across Poland and other Central and Eastern European markets, including Romania, Czechia, Slovakia, Hungary, Slovenia, Bulgaria, Ukraine, and the Baltic States. Since 2019, he has served as the President of the Polish Society of Actuaries.
He graduated with a degree in Mathematics from the University of Gdansk, Poland. Marcin is fluent in English, German, and Romanian. He is also the author or co-author of multiple publications on the Polish insurance market, including reports from the Polish Chamber of Insurance on life insurance and the insurance gap.

Wojciech Książkiewicz

Wojciech Książkiewicz is Director, Business Development, for Continental Europe at RGA, leading efforts to provide innovative biometric and financial solutions for clients in central, northern, and eastern Europe. As Branch Manager of RGA’s Poland office, he also serves as the office’s legal representative and maintains executive oversight of operations serving clients in several CEE countries, including Poland, Hungary, Romania, the Czech Republic, and Slovakia.
Since joining RGA in 2009, Wojciech has served in several key leadership roles focused on managing Poland operations, developing client relationships, and creating new business opportunities through product development.
Wojciech previously worked as the CEE/CIS region sales director for Generali PPF Holding’s employee benefits, corporate pension, and affinity business unit. Before that, he spent eight years with Generali Poland, holding various positions of increasing responsibility.
Wojciech holds a bachelor’s degree in Economics from the School of Banking and Management in Krakow.

Marek Kurowski

A graduate of postgraduate doctoral studies at the Warsaw School of Economics (field of study: insurance); involved in the insurance market since 1999. He worked at the Polish Chamber of Insurance, where he participated for many years in the work of the Conduct of Business Committee of Insurance Europe (including on IDD, PRIIPs, and GDPR). Since 2020, he has served as a Senior Specialist in the Department for Insurance and Pension Market Clients at the Office of the Financial Ombudsman. Author of numerous analyses, reports, and webinars by the Financial Ombudsman on insurance-related topics.

Rafał Mańkowski

He is a graduate of the Wrocław University of Economics and completed a postgraduate degree in EU law at the University of Warsaw and a project management programme at the Warsaw School of Economics. Rafał has many years of experience in underwriting and managing non-life portfolios of insurance companies. He has been working at the Polish Insurance Chamber as an expert for eight years. At PIU, he is responsible for non-life, agricultural, financial, reinsurance and risk management insurance. He has been a consultant at workshops on risk management and data quality in catastrophe insurance organised by the European Commission and reinsurance brokers, among others. He has been a POLRISK-certified risk manager since 2011.

Jakub Obarzanek

Mr. Obarzanek holds a degree in Cultural Studies from the University of Wrocław, in Communications from the Willy Brandt Center and is a graduate of the Leadership Psychology Academy at the Warsaw University of Technology. Over the past 20 years, he has completed several hundred projects in the Key Client area. Currently, he is Director of the Strategic Client Department of KRD BIG S.A. and a Proxy of the Board at Kaczmarski Group. Mr. Obarzanek is responsible for driving sales and implementing projects from the group’s broad product portfolio. He has been working in the Strategic Clients areas of KRD and Kaczmarski Group for more than 15 years now. Previously, he managed the Key Client area at Lifeboat Ltd and Workaffair Ltd, launching their brands in Poland.

Maciej Podlewski

Director of the Insurance Governance and Distribution Supervision Department. Associated with supervision of insurance activities for 27 years.
He worked at the State Insurance Supervision Office and the Office of the Insurance and Pension Funds Supervision Commission, where he was responsible, in specialist and managerial positions, for the control of insurance companies as well as for the ongoing legal supervision of insurance companies.
Since 2006, he has been an employee of the Polish Financial Supervision Authority, where he held managerial and expert positions in the field of licensing, inspection and off-site supervision of insurance companies and capital market entities.
From 2021, Deputy Director of the Department of Insurance Supervision and Risk Monitoring, responsible for supervision over the management system of insurance companies and off-site supervision over the distribution of insurance, and from 2022, Director of the Insurance Governance and Distribution Supervision Department.
Participant in numerous regulatory works on the insurance market undertaken by the Polish Financial Supervision Authority, including in the scope of claims settlement for motor insurance, determining and paying compensation for non-pecuniary damage from third party liability insurance contracts for motor vehicle owners, life insurance with an insurance capital fund, bancassurance, insurance distribution, outsourcing and the product management system.
He graduated from the Faculty of Law and Administration of the University of Warsaw. He is a legal adviser. He has participated in numerous trainings, courses and seminars in the field of insurance.

Aneta Podyma

Ms. Podyma is an experienced leader working in the financial and insurance industry, combining strategic thinking with empathetic leadership. She started her career at Merrill Lynch, co-founded the Polish branch of BlackRock, headed AXA TFI and managed Genworth Financial in Central and Eastern Europe. Since 2016, she has been serving as CEO of Unum Life, where she emphasizes product transparency, superior service and ethical customer relations. Ms. Podyma is an expert in the field of insurance and is involved in the development of the market as Vice Chairman of the Audit Committee of the Polish Chamber of Insurance. She actively supports social initiatives, including Pro Bono Leaders and the Foundation for Youth Entrepreneurship. She is also a lecturer at ALK, offering her insights as part of the LeaderShe female leadership promotion program. In her management philosophy, Ms. Podyma promotes equality and diversity, perceiving them as foundations of innovative organizations. She actively supports the development of women in business. Ms. Podyma places great emphasis on preventive health care and health promotion in the workplace and among insurance industry clients. She has been repeatedly recognized as one of the 50 Most Influential Women in Poland (Home and Market) and received such awards as the Pearl of Polish Business (Gazeta Finansowa), Best Manager in Finance (Gazeta Finansowa), as well as Business Woman 2022 (Puls Biznesu) and Insurance Manager of the Year (Gazeta Bankowa).

Jan Grzegorz Prądzyński

Until 2007, he was president of the management board of the Polskie Biuro Podróży Orbis Travel (Orbis Travel – Polish Travel Bureau). He was also a member of supervisory boards of Canal Plus Cyfrowy and PBP SA. He was a member of the supervisory board of Robyg SA. He also held managing positions in professional organizations and associations.
He was, inter alia, a vice president of Polish Association of Tourism, a member of the French Association of Commerce in Poland, and vice-president of the board of the Polish Confederation of Private Employers PKPP Tourism in “Leviathan”. From 1981 to 1998 he lived abroad (in England and France), where he directed transport and tourism companies.
Jan Grzegorz Prądzyński studied at the School of Planning and Statistics in Warsaw (now Warsaw School of Economics). Since 1998 he holds the insurance broker licence.

Piotr Rutkowski

Piotr Rutkowski holds the role of Managing Director of Digital Clients and Services. Previously at PZU, he served as Director of CRM Office from November 2019 to October 2024, as well as Director of Direct Sales, CRM and Technology Development during the same period. His professional experience also includes working at Aviva Poland, where he was Director of Sales from March 2016 to November 2019. Prior to that, from January 2015 to May 2016, he was Head of CRM Campaign Management and Execution, as well as Manager of Digital, Internet and E-Commerce Sales, Business Development Manager, Customer Service Manager. As Manager at Aviva, he also held a key role co-founding the 3rd Direct sales channel in the Polish market. He has more than 26 years of experience in the insurance market including management of large business and technology projects.
He completed a postgraduate course for financial and insurance services managers at the Warsaw School of Economics in 2014-2015. Additionally, he attended a postgraduate course in economics and business for managers organized by the ICANE Institute and Harvard Business Review in 2011-2012.
He also holds a master's degree from the University of Insurance and Banking in Warsaw (now Vistula University) in 2000-2002 and a bachelor's degree from the University of Commerce and Law in Warsaw (now Lazarski University) in 1996-1999.
In 2021, he received a distinction from the PIU.

Wojciech Soleniec

Over 20 years of experience in leading end-to-end transformations for leading financial institutions in the areas of process digitization, implementation of core systems, financial systems, front-ends and data transformation. Leader of a team of over 140 consultants responsible for digitization and AI for the financial sector in Poland, Europe and the Middle East.
Selected Professional Experience:

• Hyper-personalization in a large Polish insurance company – implementation of a set of tools responsible for real-time monitoring of customer movement on front-ends and generating Next Best Action (NBA) and Next Best Offer (NBO) to increase sales of individually tailored retail products
• Call center transformation – implementation of an AI platform to build a new generation of chatbots and voicebots based on a mix of AI/Gen AI to improve cost efficiency and quality of customer service in the call center.
• Cyfrowa Hipoteka w dużym polskim banku – Lider zespołu EY odpowiedzialnego za przygotowanie koncepcji, a następnie przeprowadzenie fazy MVP wdrożenia nowego, cyfrowego produktu i procesu hipotecznego
• Largest Agile-based implementation in Poland – Leader of the EY team involved in the implementation of a new core system in a large financial institution.
• Client portal implementation – leader of the EY team implementing a new portal in a large Polish financial institution.
• Stabilization of IT systems in a large bank in the Baltics – Leader of the Polish EY team responsible for identifying the causes of problems, implementing technological and process changes in key areas of a large bank to ensure the stability of digital channels and payment systems.
• dużego banku w celu zapewnienia stabilności funkcjonowania kanałów cyfrowych oraz systemów płatności
• Business Transformation of a Global Bank – Leader of the Polish EY team in the implementation of a credit tool in 33 countries using Agile methodology.
• Integration of two financial groups – leader of the team responsible for designing the separation of financial systems and designing combined financial reporting.

Tomasz Tarkowski

Tomasz Tarkowski - Member of the Management Board of PZU SA and PZU Życie SA supervising the claims handling and operations area.
He has been with the PZU Group for most of his professional life (1996-2016 and again from 2024). From 2007 to 2011, as a member of the board of PZU Ukraine, he was responsible for the area of claims handling, product management and risk assessment. In 2011-2016 in the management board of PZU and PZU Życie was in charge of the claims handling and benefits division. In 2016 he was also CEO of LINK4. In the following years, he worked for ERGO Hestia, then managed ControlExpert Poland, a company providing services and technologies for loss adjustment. From 2022 to 2024 he was a managing director at UNIQA TU and UNIQA TU na Życie responsible for the compensation and benefits division.
He graduated from the Faculty of Automotive and Construction Machinery Engineering at the Warsaw University of Technology and the University of Insurance and Banking. He also completed postgraduate studies in ‘Road traffic safety’ at the Military University of Technology, ‘Economic Insurance’ at the Cracow University of Economics, ‘Psychology of personnel management’ at the University of Warsaw and the Advanced Management Program at the IESE Business School.

Esther Baur Reinecke

Esther Baur is Head Europe of Swiss Re's Public Sector Solutions team and is also leading a global public sector health initiative. The team focuses on building and deepening relationships with the public sector, governments and international institutions, and developing innovative insurance solutions to strengthen societal resilience against climate risks, natural catastrophes, agricultural and health risks, both in advanced and developing economies.
Esther started her career at Swiss Re as Senior Economist in Zurich and New York, and held various position in Group Strategy and Communication, prior to joining the Public Sector Solutions team in 2011.

Daria Ringwelska

Daria Ringwelska has been working for the Office of the Polish Financial Supervision Authority for over 18 years. As Deputy Director at the Insurance Supervision Division, she is in charge of teams responsible for ongoing supervision, monitoring risk or analysing capital requirements and assessing the solvency of insurance companies. At the Office of the Polish Financial Supervision Authority, from the beginning, her tasks have been focused on the Solvency II system, stress testing or risk analysis in the operations of insurance companies. Since 2007, in this position, she has been actively participating in the activities conducted by the EIOPA. Currently, she is a member of the Advisory Committee on Proportionality.
Daria Ringwelska has a degree in economics, with a PhD in Finance and an Executive MBA.

Jerzy Witold Pietrewicz, PhD

Professor at the Warsaw School of Economics, Head of the Institute of Markets and Competition, Collegium of Business Administration Member of the Academic Council of Economics and Finance of the Warsaw School of Economics. Liquidator at TUW Medicum in liquidation. Vice-Chairman of the Scientific and Program Council of the Polish Chamber of Commerce “Eco-Development”.
He is the author of some 100 scientific papers on issues of sustainable development, globalization, market development and competition, economic and business functioning, monetary policy and banking.
In parallel, he has held managerial positions for more than a dozen years in such institutions as: the Bank Guarantee Fund, the National Environmental Protection and Water Management Fund, Bank Ochrony Środowiska SA. From 2013 to 2015, Secretary of State and Government Plenipotentiary for Deregulation at the Ministry of Economy.