Stanislaw Zmitrowicz

Stanislaw Zmitrowicz works with the Conduct Supervision department of the Central Bank of Brazil. As a consultant with CGAP's Protecting Consumers Initiative, he leads outreach to supervisors and supports CGAP's work to help policy makers apply behavioral research and consumer insights to consumer protection regulation and supervision. A 15-year veteran of the Central Bank, Stan’s most recent work focused on financial consumer protection, performing on-site supervision and elaborating then Bank’s supervision program. Previously he has worked on a wide range of issues including banking supervision and AML-CFT.

By Stanislaw Zmitrowicz


A Practitioner and a Regulator Talk Digital Credit

Do the benefits of digital credit outweigh the risks for consumers? A practitioner and regulator share their viewpoints.

Will Brazil Go Digital?

Small and medium banks in Brazil are starting to take advantage of new regulations that make it easier to adopt fully digital business models. What impact might this development have on financial inclusion in the longer term?

RegTech: Are Supervisors Ready for the Data Revolution?

Technology and data are considered the engine of new financial disruption. FinTech's lesser-known sibling, RegTech, refers to technology that can improve efficiency, consistency, and ease of supervisory processes. What does this revolution look like?

Leveraging Complaint Data for Greater Consumer Protection

Complaints are stories shared by unhappy customers looking to release anger, seek compensation, or improve service. For financial supervisors in many markets, complaint data collection presents a challenge. Here's how complaint reports can be improved to support effective supervisory action.

A Better System for Internal Complaint Handling

As with any product, there are times when financial services do not work as customers expected they would. How can financial service providers improve their internal complaint handling systems?