Aneta Hryckiewicz - Gontarczyk

Associate Professor of  Finance and Banking at the Kozminski University, (Warsaw, Poland) – a school ranked in the Financial Times. Since September 2022 she has been also a Visiting Researcher at the Said Business School, University of Oxford working on bank restructuring, crisis resolution mechanisms, and disintermediation of the banking sector.

  • National Expert at the European Commission
  • More than 15 years of proven expertise and experience of academic teaching undergraduate, graduate as well as MBAs and PhD students in the field of financial economics and quantitative finance at Goethe University of Frankfurt, IESEG School of Management (France), University of Florence, Maastricht University and Kozminski University.
  • Taught courses: Quantitative Research Methods, Advanced Econometrics, Financial Data Analysis, Empirical Finance, Financial Economics, Corporate Investment, Modern Banking Systems. 
  • Visiting Researcher at the Said Business School, University of Oxford, UK; Wharton Business School, University of Pennsylvania, USA.
  • Grantee and Principle Investigator of 5 externally funded research projects. Cooperation with scholars from ECB, EBRD, UCL, Oxford University and Wharton Business School resulted in multiple joint papers.
  • Co-Editor and Guest Editor in multiple finance journals. 
  • Broad and distinguished academic background in financial economics with a main focus on empirical banking. Authors of numerous articles, books as well as a speaker at numerous business and academic conferences. Numerous awards for the best papers and outstanding research.
  • High‐caliber leadership skills complemented with expertise in establishing productive relationships with individuals of diverse cultures and organizational backgrounds.


A Modern Guide to Financial Shocks and Crises

A book discussing the theory of financial crisis and methods of interventions and resolutions.

Anatomia kryzysów bankowych

A book (in Polish) discussing the theory of banking crises, the origination of the Global Financial Crisis (2008-2010) and methods and their effectiveness of government interventions.

Digital Currencies and the New Global Financial System

A book discussing the phenomena of Bitcoin and the role of monetary policy in creating Bitcoin bubble.

Pośrednictwo finansowe bez tradycyjnych banków

A book (in Polish) discussing the role of BigTechs and Fitnechs in the banking sector, the technology on the financial inclusion and the challanges ahead the supervisory and regulatory institutions.

Policy work

In my policy work, I engage in collaborative efforts with central banks, regulators, and governments to undertake various projects. One area of focus is the development of resolution frameworks that aim to restore financial stability during times of crises. This involves designing mechanisms and strategies to effectively address and mitigate the impacts of financial instability.

Recently, I had the privilege of serving as an expert for the European Commission, where I evaluated Tax Cooperative Compliance in Poland. This assessment involved examining the effectiveness of tax cooperation initiatives and providing recommendations for improvement. The outcomes of this evaluation were then presented to the representatives of the Ministry of Finance, contributing to the ongoing discussions and decision-making processes in that domain.
Additionally, I have also provided expert advice to the Polish Ministry of Finance in the development of a new bank levy scheme. This entails designing a comprehensive and fair framework for levying fees on banks, considering factors such as risk exposure, systemic importance, and the overall stability of the financial sector.

Through these policy engagements, I aim to contribute to the formulation of effective and impactful measures that promote financial stability, regulatory compliance, and sustainable economic growth.

Supervisory board

Since 2015, I have held the position of Supervisory Board Member in the Investment Banking Division of PEKAO SA, the largest banking group in Poland. Additionally, from 2016 to 2019, I served as a member of the Audit Committee.

Expert in the

I work as an expert to the European Commission in projects related to bank resolution mechanisms and tax regulations.

expert in the latvian ministry of education

Since 2018, I have been serving as an external expert to the Latvian Ministry of Education in the Accreditation Committees.

Expert in the
ministry of

I also act as an external expert in providing in-depth analysis, evaluating existing policies, and identifying areas for improvement or potential interventions.



Master Courses:

Modern Banking Systems
Corporate Investment
Financial Econometrics
Research Methods

Executive Courses:

Corporate Finance
Corporate Investment


I am a frequent expert source for print, digital, radio and television outlets, including BusinessInsider, Forbes, Gazeta Prawna, Parkiet, Rzeczpospolita,, TOK FM, Polish Radio (Polskie Radio), Biznes TV, Polsat News. In these interviews, I provide on-the-record expert commentary related to financial stability, inflation and the European economy.

Sztuczna inteligencja nowym oknem na świat.
Nad bankami w Polsce zbierają się ciemne chmury.
Polski rynek finansowy został osłabiony.
Ceny szaleją nie tylko w Polsce.
Czy maklerów zastąpią roboty?


For those interested in the full-length, pdf version, you can download that right here:


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