Paweł Turek has extensive experience in advising banks and financial institutions, as well as borrowers, on all types of local and cross-border transactions. He provides assistance with bilateral and syndicate transactions, with a particular focus on leveraged finance, project finance and asset and property finance.

Paweł is also involved in ongoing corporate financing such as revolving and overdraft facilities as well as financial restructuring. He assists banks and borrowers in matters related to ISDA and treasury documentation, and advises on regulatory matters including payment services, money transfers, bank secrecy, anti-money laundering issues and online banking or launching new banking products.

Member of PCS Outreach team. Former regulatory expert at PFSA, member of EBA Subgroup on Securitisation and Covered Bonds and ESMA Securitisation Task Force. Training Initiative for Financial Supervision Lecturer. Leverages experience gained in supervisory and regulatory roles along with a pragmatic approach acquired during her tenure as an attorney and legal advisor. She practiced law in Poland as an attorney from when she passed the bar exam in 2014 until she joined PFSA in 2018, where she continued as a legal advisor.

Ian Bell has worked in securitisation in various capacities since 1988, first as a lawyer and partner at Clifford Chance, then as general counsel and head of structured finance at Standard & Poor’s Europe and finally as CEO of PCS.

Harry Noutsos started working in securitisation in 2000 where, after working in research and structuring at CSFB, he took on responsibilities for modelling and structuring at Bank of America and Santander before taking the position Global Head of ABS for ING.

Chairman of the Financial Education Council, Director of the Institute of Finance

Professor of social sciences in the discipline of law, head of the Department of European Law and Economic Management at the Faculty of Law, Administration and Economics of the University of Wrocław, director of the Institute of Finance at the Ministry of Finance.

Steven Krivinskas specialises in structured credit, acting for many of the world's leading credit funds, banks and corporations on complex funding structures, portfolio sales and securitization transactions. He advises on transactions involving a range of asset classes including consumer loans, student loans, SME loans, commercial mortgages and residential mortgages.

Steven is recognised as a leading securitisation lawyer with individual rankings from both Legal 500 and Chambers.

Luca Paonessa is a Senior Director in the Credit Risk Sharing team at PGGM, which since 2006 invests in balance sheet securitisations. His primary focus areas are leading deal teams in the origination of risk-sharing transactions and relationship management with partner banks. He is a member of the mandate investment committee, and coordinates the portfolio construction and research functions for the mandate. Prior to PGGM, Luca was Head of Portfolio Management at Triple Jump B.V., specialising in direct debt and equity investments in financial institutions in frontier markets and impact investing. Luca is a CFA charterholder and holds a Master’s degree in Business Administration from the University of Bologna.  

For over 13 years Malgorzata has been involved with the Polish capital market. In 2013 she became President of the Chamber of Pension Fund Companies (Izba Gospodarcza Towarzystw Emerytalnych), and since 2019 she has also served as President of the Chamber of Fund and Asset Managers (Izba Zarządzających Funduszami i Aktywami). Since February 2024 she has been a member of the Exchange Council of the Warsaw Stock Exchange (Giełda Papierów Wartościowych). She is also a member of the Financial Market Development Council at the Ministry of Finance. She sits on numerous advisory bodies and programme councils related to the functioning of the financial market, including the European Financial Congress. In recent years she has also been a member of the Risk Committee of KDPW CCP and the Supervisory Committee for Benchmark Interest Rate Indicators at GPW Benchmark.

By education she is a lawyer, and she also completed postgraduate studies in insurance at the Warsaw School of Economics (SGH). She began her professional career in 2002 at the Social Insurance Institution (ZUS). In subsequent years she cooperated with the Institute of Labour and Social Studies and the European Commission as an expert in the labour market and insurance law. From 2005 to 2007 she was affiliated with Ghent University, where she participated in the Training and Reporting on European Social Security programme. Between 2007 and 2012, at the Lewiatan Confederation, she served as Director of the Department of Social Dialogue and Labour Relations and Coordinator of the Labour Market Council.

Kamila Kaluza is a manager with 15 year experience in financial sector. Graduated from Poznan University of Economics (econometrics), she started professional career at brokerage house. Afterwards, she worked in the area of risk management (liquidity and market risk) at mBank. She co-established the balance sheet management in mBank being responsible for Funds Transfer Pricing. She contributed to development of recovery and resolution regime in Poland, successfully coordinating many cross-organization regulatory projects. Experienced trainer in the field of prudential regulations. Currently, in the Treasury leads transaction team which executed the first green bond (NPS) issue in the Polish market, the series of innovative synthetic securitization transactions investor based on CLN and recently the first broadly distributed Additional Tier 1 bond in Poland. Holder of a brokerage license, PRMIA certificate and CFA (level 2).

Aleksandra Lewandowska is a director of Capital Investment and Securitisation office  in Bank Millennium.

She has been responsible for the area of capital investment, ownership supervision of Bank Millennium Group and capital investments as well as for securitisation and other strategic projects in the Bank since 1998. 

Before she worked for Bank Handlowy S.A. in capital  investment department (1995-1998)  and in the Ministry of Ownership Transformation in Capital Privatization Department (1991-1995).

Aleksandra earned a master’s degree in foreign trade faculty at the High School of Economy in Prague .

Marcin has over 20 years of experience in corporate banking, having worked with international banking groups such as ING, HSBC, and Deutsche Bank. Before joining Bank Gospodarstwa Krajowego in 2025, he spent 11 years at Deutsche Bank Polska S.A. as Head of the Relationship & Transaction Management Department. There, he was responsible for acquiring multinational clients, implementing and servicing corporate clients and financial institutions, and managing the development of credit and trade finance products.

At Bank Gospodarstwa Krajowego, Marcin serves as Managing Director of the Product Division. He is tasked with implementing securitisation as a new product and aims to position the bank as a significant investor in the Polish market. Additionally, he oversees the management and enhancement of cash management and credit products, including eBanking development, and is responsible for all aspects of customer experience, such as CX/UX, handling complaints, call center operations, plain language initiatives, and CRM.

Paweł Turek has extensive experience in advising banks and financial institutions, as well as borrowers, on all types of local and cross-border transactions. He provides assistance with bilateral and syndicate transactions, with a particular focus on leveraged finance, project finance and asset and property finance.

Paweł is also involved in ongoing corporate financing such as revolving and overdraft facilities as well as financial restructuring. He assists banks and borrowers in matters related to ISDA and treasury documentation, and advises on regulatory matters including payment services, money transfers, bank secrecy, anti-money laundering issues and online banking or launching new banking products.

A graduate of the Faculty of Law at the Jagiellonian University, as well as the Executive MBA Program at the University of Bristol and École Nationale des Ponts et Chaussées in Paris.

In years 1992 - 1999 he worked at the First Polish-American Bank in Kraków SA, and in years 1999 - 2009 at Fortis Bank Polska SA, first as Financial Director, then as Vice-President and President of the Management Board of the Bank.

In 2009-2016 he worked at BNP Paribas Bank Polska as Vice-President of the Management Board and CFO.

In 2017-2018, he was a Member of the Management Board of Alior Leasing.

2019 - currently, he is CFO of Vehis.

Norbert Jeziolowicz - Polish Bank Association, Director of the Financial Markets Team. 

He also represents the Polish banking sector in of the European Banking Federation. As part of the Federation, he takes part in the work of the Retail Banking Committee, Secondary Markets Working Group and several working groups on financial markets and sustainable financing.

From July 2013, he was a member of the Council for WIBID and WIBOR Reference Rates at ACI Polska. And after the change of administrator, since 2016 he is a member of the Oversight Committee of  Reference Interest Rates at GPW Benchmark SA.

Since June 2013, he has been a member of the KDPW_CCP Risk Committee (Chairman in 2013-2020, and Deputy Chairman from 2020).

Member of PCS Outreach team. Former regulatory expert at PFSA, member of EBA Subgroup on Securitisation and Covered Bonds and ESMA Securitisation Task Force. Training Initiative for Financial Supervision Lecturer. Leverages experience gained in supervisory and regulatory roles along with a pragmatic approach acquired during her tenure as an attorney and legal advisor. She practiced law in Poland as an attorney from when she passed the bar exam in 2014 until she joined PFSA in 2018, where she continued as a legal advisor.

Francesco Dissera is Managing Director, Head of Origination for Pemberton’s Risk Sharing Strategy. His responsibilities include origination, structuring and execution of risk sharing investments.

Francesco brings over 25 years of experience in bank balance sheet optimisation, having established and managed diverse business lines across securitised products, balance sheet advisory and bank asset disposals.

Prior to joining Pemberton in 2024, Francesco was Head of the Secured Funding and Asset Backed Securities (SFABS) team at Alantra where he advised banks on significant risk transfers (SRT), asset disposals and other forms of securitisations. He previously held a similar role at Santander CIB for Continental Europe, StormHarbour Securities and was formerly Head of European ABS structuring at UBS.

Head of the Capital Management and Investment Department with more than 20 years’ experience in banking. During his long career, he was responsible, among others, for leading international group projects related to the acquisition of financing for the Bank, subsidiaries, the issuance of MREL and TLAC instruments, as well as initiatives related to the efficient use of capital.

As for securitisation, his experience includes true sale transactions, synthetic structures, transactions involving public institutions as well as private investors. Many of those projects were implemented for the first time in Poland, and their positive impact contributed to supporting clients within the sustainable agenda of Santander Group.

Paweł is a graduate of the University of Wrocław, Faculty of English Philology, and holds the FCCA title awarded by the Association of Certified Chartered Accountants (ACCA).

Thomas is head of unit at the European Investment Fund, heading EIF’s Northern and Central Eastern Europe’s securitisation investments.

Martina Spaeth started working in securitisation in 1997, first at UBS and then at Fitch before leading the German securitisation team at HVB/Unicredit. She then moved to FMS in charge of an asset management group restructuring bad debts.

Krzysztof Stefanowicz is an English-law qualified lawyer and an Associate in the Finance team at DLA Piper Poland. He is also a member of the firm's CEE English Law Hub. Krzysztof advises clients on English law aspects of structured finance, including true sale and synthetic securitisations, as well as project finance and other types of corporate and finance transactions. He has gained valuable international experience, having previously worked in London at global law firm, where he was involved in cross-border finance and corporate transactions. In addition to his finance practice, Krzysztof has experience in private M&A, corporate reorganisations, and joint ventures, providing English corporate law advice to international clients operating across the CEE region and globally.

Paweł Turek has extensive experience in advising banks and financial institutions, as well as borrowers, on all types of local and cross-border transactions. He provides assistance with bilateral and syndicate transactions, with a particular focus on leveraged finance, project finance and asset and property finance.

Paweł is also involved in ongoing corporate financing such as revolving and overdraft facilities as well as financial restructuring. He assists banks and borrowers in matters related to ISDA and treasury documentation, and advises on regulatory matters including payment services, money transfers, bank secrecy, anti-money laundering issues and online banking or launching new banking products.

Member of PCS Outreach team. Former regulatory expert at PFSA, member of EBA Subgroup on Securitisation and Covered Bonds and ESMA Securitisation Task Force. Training Initiative for Financial Supervision Lecturer. Leverages experience gained in supervisory and regulatory roles along with a pragmatic approach acquired during her tenure as an attorney and legal advisor. She practiced law in Poland as an attorney from when she passed the bar exam in 2014 until she joined PFSA in 2018, where she continued as a legal advisor.