Personal Profile

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Karolina Kozłowska-Kawycz is a recognized leader in risk and efficiency management, with over 25 years of experience shaping resilience and growth strategies across major financial institutions. As Chief Risk Officer at PKO Ubezpieczenia, and previously at the Warta Group, she has been at the forefront of navigating organizations through complexity, uncertainty, and accelerating change.
Her work goes beyond traditional risk oversight—she actively supports business initiatives, embedding sustainability into strategy and decision-making processes. Known for her ability to translate risk into strategic advantage, she helps organizations not only safeguard value but also unlock new opportunities in an increasingly interconnected ecosystem.
Karolina’s impact on the insurance industry has been recognized, including the “For Merits to Insurance” distinction awarded by the Polish Insurance Chamber. She continues to contribute to the evolution of the sector, engaging with industry leaders to shape its future direction.
She holds globally recognized designations, including Financial Risk Manager (FRM) and Chartered Financial Analyst (CFA), and is a member of the THINKTANK Executive Network. Her academic background spans economics, cybernetics, and cybersecurity management, complemented by international experience through programs with the Fulbright Commission and studies in the United States, Portugal, and the United Kingdom.
Alongside her executive role, Karolina is deeply committed to knowledge sharing and talent development, lecturing at the University of Warsaw and mentoring the next generation of leaders.