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Lukasz Kubicki
Head of Technology & Innovation Division
European Central Bank
Lukasz Kubicki has over twenty years of experience spanning central banking, banking supervision, and the private industry. As the Head of the Technology and Innovation Division at the European Central Bank (ECB), he leads the innovation strategy and drives the implementation of cutting-edge technologies such as Artificial Intelligence across ECB Banking Supervision. In this capacity, he has led high-performance, multi-disciplinary teams, catalyzing transformative change. Lukasz has a proven track record of overseeing projects that harness AI capabilities to enhance the operations of central banks and supervisory authorities. Since 2023, he has also served as Co-Chair of the SupTech and RegTech, and MonPolTech Working Group of the BIS Innovation Network. Prior to his tenure at the ECB, Lukasz held different roles at McKinsey & Company, managing engagements in strategy and digitalization within the banking sector. He earned his PhD in Economics from the Warsaw School of Economics.
Speaking at SFF 2026
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1:00–1:30pmThu 19 NovPolicy StageHall 3, Singapore EXPOOpen
Policy Rewiring
The Agentic Enterprise: Accountability and Containment When the Machine Decides
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Alan LimDirector & Head, Financial Infrastructure & Artificial Intelligence OfficeMonetary Authority of Singapore
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Casey KlyszeikoExecutive Vice President, Global Merchant & Network Services ProductAmerican Express
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Richard TongCo-founder & Chief Executive OfficerTotal Neural Enterprises
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Lukasz KubickiHead of Technology & Innovation DivisionEuropean Central Bank
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Irene LiuManaging Director, Risk & Compliance Lead for Southeast AsiaAccentureModerator
About this session
Agentic AI has moved from pilots to systems that touch real credit decisions, real client money and real compliance rules, and the institutions getting the governance right this year are setting the ceiling for the next decade. This session examines where accountability sits once an agent, not a person, initiates the action, across risk, audit and reporting lines — and then confronts the scenario most institutions would rather not discuss: what actually happens in the moments after an agent goes wrong.
An agent doesn't take a coffee break. When it fails, it can fail at machine speed, across every transaction it touches, before a human even notices. So the real test isn't whether agents fail, but how fast an institution can contain them when they do, and who is authorised to make that call. This discussion moves from the accountability question to the operational one: what real-time containment looks like in practice, where autonomous systems are most likely to break, and how to build the kill switches and safeguards that limit the blast radius before autonomy is extended any further.
Attendees leave with a sharper view of the controls that need to exist before autonomy is extended further. One of the key questions the panel will look to dive deeper into: Who is accountable when an autonomous agent makes a bad call, moves client money, or silently breaks a compliance rule? -
