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Kasia Koziol is a Senior Risk Manager at Achmea Bank since February 2021, bringing extensive experience in risk management and quantitative analysis. Previously, Kasia held roles at Van Lanschot Kempen as a Senior Quantitative Analyst and Senior Business Intelligence Specialist, and at Van Lanschot Bankiers as a Senior Credit Risk Analyst and Financial Risk Management Portfolio Analyst, where responsibilities included advising management on financial risk issues and monitoring credit portfolio quality. Kasia's career began at ING Nederland as a Credit Risk Researcher, focusing on application scoring and credit risk model development. Additional early experience includes work as a Database Marketer at Cmotions and participation in a Masterclass on Marketing Data Analysis. Academically, Kasia earned a Master of Science in Organisation Studies from Tilburg University and a Master of Science in Applied Social Sciences from the University of Warsaw.