🏦 CEO, TOSS BANK FORBES #1 BANK IN KOREA (4 YEARS) 15.5M+ CUSTOMERS • ₩968B NET INCOME
CEO ACTIVE

Build stronger
financial institutions.
Drive sustainable
growth at scale.

Bringing global banking experience, digital innovation, and first-principles execution to help financial institutions navigate their next phase of growth.

Kristina Eunmi Rhee

Kristina Eunmi Rhee

CEO, Toss Bank

Global banking operator and first-principles leader scaling trusted financial platforms through technology, disciplined execution, and scalable growth.

Foundations across the world's leading banks

Toss Bank
HSBC
Deutsche Bank
Standard Chartered
Drawing on experience across global financial institutions and digital banking, Kristina is helping build the next generation of financial services — at the intersection of technology, trust, and scale.
Selected Areas of Expertise
Banking
Corporate, Retail, Treasury
Finance
CFO, Capital, Profitability
Risk
Regulatory & Governance
Strategy
Growth & Value Creation
Transformation
Digital & Operating Model
Technology
Platform & Data
AI
Enterprise AI Adoption
Leadership
Talent & Culture
Enterprise Leadership
Led one of the largest digital banks globally in a highly regulated environment
20+ years of executive leadership across global financial institutions
Delivered sustainable profitability with disciplined growth
Built customer-centric institutions by aligning technology, innovation, and trust to create long-term value
Proven transformation leadership across strategy, risk, technology & operations
Trusted partner to regulators, boards, and industry leaders
Key Achievements at Toss Bank
Market Penetration: 15.5M+ Customers
~1 in 2 economically active Koreans
10M+
Monthly Active
Profit Turnaround: -₩170B → +₩968B
Year 1 to Year 2 | CEO mandate
+112%
YoY Growth
Brand Recognition: Forbes #1 Bank
4 consecutive years
(2023, 2024, 2025, 2026)
#1
In Korea
NCSI: Digital Bank
National Customer Satisfaction Index
2 consecutive years (2024, 2025)
#1
Digital Bank
Global Banking Experience & Achievements
Regional CFO, Commercial Banking APAC — HSBC
16 countries · $6.9B revenue · $3.3B PBT
$172B
L&A Book
Capital Discipline at Scale
$18B RWA optimization across HSBC APAC
$18B
RWA Optimized
CFO & CSO — iM Bank (DGB Daegu Bank)
Korea's first regional-to-national banking license in 32 years
1st
In 32 Years
Country CFO — Deutsche Bank & HSBC (Korea)
Zero regulatory/audit findings throughout tenure
Zero
Audit Findings
Leadership That Scales
1st female CEO in digital banking &
4th female CEO ever in Korea's Tier-1 banking industry
A trailblazer for women in financial leadership

Great financial institutions are built by exceptional people, disciplined systems, and diverse perspectives.

Exceptional People
Attracting, developing, and retaining top talent — leaders who build other leaders
Talent
& Culture
Disciplined Systems
Institutionalizing the processes, controls, and governance that let growth scale safely
Built
To Scale
Diverse Perspectives
Diverse leadership drives better decisions — and measurably stronger results: +10–15% profitability, higher ROE/ROA, lower risk
+10–15%
Profitability
Selected Recognition
Best Female Banker of the Year
2025
Singapore FinTech Festival
Speaker · Nov 2025
GFTN
Speaker · May 2025
Education & Credentials
MBA
Columbia Business School · London Business School · HKU
BS, Computer Science & Engineering
Sogang University
Data Analytics & AI
London School of Economics
Professional Certifications
CFA Charterholder · FRM (GARP) · CPA (USA)
KR
Kristina Rhee

CEO. Global Banking Executive. Turnaround Leader. Digital Banking Pioneer.