Carina Kozole

Chief Risk Officer at ING Netherlands

Speaker

Carina Kozole is Chief Risk Officer of ING Netherlands. She previously served as CRO at N26 and spent over 20 years at UniCredit Group.

She brings deep expertise in financial crime, compliance, non-financial and credit risk, with a strong track record in leading large-scale risk transformations. Carina combines the discipline of traditional banking with the agility of a digital player, driving robust controls, scalable risk frameworks, and accelerated digitalization.

She promotes responsible innovation—embedding ethics, transparency, and accountability at the core of decision-making and is a champion of AI in risk management, focusing on its safe, ethical, and scalable deployment to enhance risk detection, decision quality, and operational efficiency.

Her leadership is defined by a clear focus on resilience, trust, and adaptability, fostering a culture of psychological safety where speaking up and constructive challenge are essential to navigating risk in a rapidly evolving world.