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Chapter Meeting

Risk Management and Culture Today: Insights from both Traditional and Neo-Banks

October 16, 2025 4:30 PM | Germany Chapter | Online

Details

October 16, 2025
4:30 PM - 6:00 PM |

Online
Link Emailed Upon Registration

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What does it mean to manage risk when the world keeps changing? Traditional banks rely on decades of experience, strong controls, and a culture of caution, steady hands steering through storms. Neo-banks, on the other hand, are digital natives: they move fast, use real-time data, and see risk as something to learn from, not just avoid. Both face the same volatility, but their cultures shape how they respond. The future lies in blending the best of both: robust frameworks with a culture where people feel safe to speak up, challenge, and adapt. 

Key Takeaways: 

  • Explore how traditional and neo-banks approach risk through different cultural mindsets. 
  • Understand why the future of risk management is a mix of resilience, agility, and openness. 
  • Leave with a fresh perspective on how you can help shape evolving risk culture in any organization. 

4:30 – 4:35 pm: Welcome and introduction

4:35 – 5:35 pm: Presentation

5:35 – 6:00 pm: Audience Q&A

Speakers

Carina Kozole

Carina Kozole

Chief Risk Officer, ING Netherlands
Carina Kozole

Carina Kozole

Chief Risk Officer, ING Netherlands

Carina Kozole is the Chief Risk Officer of ING Netherlands. Prior to that, she served as Chief Risk Officer at Germany’s largest fintech, N26, after spending 20 years at UniCredit Group.

With deep expertise in financial crime, compliance, and credit risk, Carina is recognized for driving bold organizational change, including risk function transformation and a strong emphasis on psychological safety and open culture. She combines the discipline of a traditional banker with the agility and innovation mindset of a neo-banker, championing robust controls, digitalization, and an environment where everyone is empowered to speak up and challenge the status quo.

Her leadership is shaping how we navigate risk in a rapidly changing world, balancing resilience, trust, and adaptability.

Chapter Directors

Dr Natalie Packham
Professor of Mathematics and Statistics, Berlin School of Economics and Law

Markus Quick
Partner, KPMG

Committee Members

Enrique Rivero
Senior Supervisor, Single Supervisory Mechanism - European Central Bank

Yuxing Zhang
Senior Regulatory Management Advisor, Deutsche Bank

Xingyi Shi
Manager, Deloitte

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