Ilya Melnikov is a seasoned business architect with extensive experience at ING since 2001, currently serving as the Business Architect for Payments and Settlements Services. In this principal consultant role, Ilya is pivotal in strategic initiatives across major markets, including the Netherlands, Belgium, and Germany, managing over 5 billion payments and settlements annually. Previous roles at ING include Deputy Chief Architect for Wholesale Banking and CIO for various regions, where Ilya successfully transformed IT functions and implemented significant operational improvements. Before ING, Ilya served as CIO for Central Treasury at Sberbank and held critical positions at Yamaichi International and Unicombank, significantly enhancing banking operations and IT infrastructure. Ilya holds a diploma with honors in Physics from Lomonosov Moscow State University.