Sonia Wedrychowicz-Horbatowska joined DBS in February 2015 as Managing Director of the Digital Bank division. She brings over 20 years of commercial and consumer banking experience. Her responsibilities at DBS include digital product development and management, UX design, risk and control, and operational delivery. Wedrychowicz was the former Country Head of Consumer Bank at Standard Chartered in Malaysia. She was responsible for the strategy, development, and management of the bank’s consumer business. She also chaired the bank’s financial education programme initiative and was part of the bank’s Women Initiative Network. Starting her banking career in Citibank in 1994, Wedrychowicz rose through the ranks and held various roles in transaction banking before becoming the Vice President of the Management Board and Head of Consumer Banking in Citi Poland. She also held other leadership roles including Chairman of the Board of Junior Achievement Foundation, Member of the Supervisory Board of Handlowy – Leasing S.A., and Member of the Supervisory Board of Bank Handlowy Brokerage House. Wedrychowicz holds a Master’s degree in Foreign Trade from Warsaw School of Economics and a BA in European Business Studies from Brunel University in London. She lives in Singapore with her husband and two children.