Financial Ombudsman and Deputies

Michał Ziemiak, PhD, Financial Ombudsman

Legal advisor, assistant professor at the Department of Insurance and Medical Law at the Faculty of Law and Administration, Nicolaus Copernicus University in Toruń, and a member of the Polish branch of the Association Internationale de Droit des Assurances (AIDA). He acted as an consultant and trainer for insurance companies, investment fund associations, brokers, agents, and other financial institutions. He is the author of more than 100 articles, case notes, studies, and press publications in the fields of civil law, insurance law, banking law, consumer protection, and medical law.

During his 12-year career as a legal advisor, he has primarily focused on providing ongoing support to business entities, including insurance intermediaries (brokers and agents), as well as handling cases for clients of financial market entities. This includes cases related to loans indexed/denominated in foreign currencies and claims for compensation and other benefits under insurance contracts. He has also been involved in reviewing development strategies, drafting documents, planning solutions, and products, including those for financial market entities.

Ziemowit Bagłajewski, Deputy Financial Ombudsman

Deputy Financial Ombudsman from December 2021, overseeing the Extrajudicial Dispute Resolution Division and the Administration and Finance Division. Ziemowit Bagłajewski is a graduate of the Faculty of Law and Administration of Warsaw University and a lawyer with many years of experience. From 2015 to 2021, he pursued the profession of a lawyer, since 2012, he has been a member of the Warsaw Bar Association.

Mr Bagłajewski has extensive experience in litigation, in particular in matters relating to the protection of the interests of clients of financial market entities. He is an expert in the field of organisation and functioning of the financial market and legal regulations creating the environment for this market.

Dorota Habich, General Director

Dorota Habich is a graduate of the Faculty of Law and Administration at the University of Gdańsk, as well as the National School of Public Administration in Warsaw and the Postgraduate Studies in Human Resources Management at the Warsaw School of Economics. She also attended the Polish-French Insurance Institute in Warsaw.

From 2016 to 2024, she served as the Deputy President of the Board for Program Affairs at the State Fund for the Rehabilitation of Disabled People. Between 2007 and 2016, she was the Vice-President of the Central Office of Measures. From 2004 to 2006, she held the position of Director General at the Ministry of Social Policy and the Ministry of Labour and Social Policy. Prior to that, she worked at the State Office for Insurance Supervision and the Office of the Insurance and Pension Funds Supervisory Commission, where she served as Director of the Human Resources, Training, and Organization Office and Director of the Director General’s Office. Since 2002, she has been an appointed civil servant.