Karol Janíček 

AFC Steering & Controls
Erste Group 

Karol Janicek serves in a group‑level steering function within Erste Group, focusing on Anti‑Money Laundering (AML) and broader AFC topics. He plays a key role in major group initiatives, including the ongoing integration of Santander Bank Poland into the Erste environment, where he is a contributor to AML compliance alignment, IT integration, and cross‑entity coordination.

He also leads the harmonization of KYC standards across the Group, concentrating on digitalization, process efficiency, and unified governance frameworks. Before joining the holding in Vienna, Karol worked at Česká spořitelna, where he held several compliance positions. His last role there was managerial, leading an AML KYC team and shaping the bank's KYC digitalization strategy. He has extensive experience in risk assessment, regulatory implementation, and advising senior management and boards on governance and compliance matters.

Karol combines strategic thinking with practical execution, bringing a forward‑looking and effective approach to strengthening AML and KYC processes in a rapidly evolving regulatory landscape.