Tomasz Stawski
Edinburgh
Summary
Accomplished professional with a strong background as an AML Analyst, Fraud Investigator, and KYC/CDD Specialist. Skilled in conducting thorough reviews, analyzing complex datasets, and leveraging technology to detect suspicious activities. Dedicated to maintaining the highest ethical standards and ensuring compliance with regulations. Experienced in developing and executing risk-based AML strategies to protect financial institutions from money laundering and illicit financial activities. Thrives in fast-paced environments to enhance AML programs effectively.
Overview
13
13
years of professional experience
Work History
KYC Associate - Client Onboarding & Regulatory Ser
Morgan Stanley
05.2024 - Current
- Conduct comprehensive KYC reviews for high-risk clients, ensuring compliance with regulatory standards and internal policies by thoroughly verifying identity, ownership structures, and transactional behavior.
- Oversee the global refresh program, ensuring timely and accurate completion of periodic client reviews across all jurisdictions.
- Track and manage high-risk case workloads, utilizing reporting and analysis to maintain control over high-risk populations and ensure accurate capture of risk triggers.
- Collaborate with client-facing teams to gather necessary documentation and information, ensuring compliance with regulatory and internal policy requirements (e.g., APAC & EMEA standards).
- Drive continuous improvement and innovation through leadership of change initiatives focused on enhancing quality and operational efficiency.
- Liaise with Compliance to address and escalate concerns related to client profiles, product types, and AML risks.
- Mentor and support new team members through onboarding and training, foster collaboration, and lead regular meetings to review case progress, resolve blockers, and guide next steps.
Recovery Auditor
Illumis Global
10.2021 - 09.2023
- Identify any past due invoices, overpayments, unapplied and unreconciled cash, deposits, or reimbursements on vendors’ accounts.
- Conduct financial research and investigations to trace discrepancies, identify root causes, and recover lost funds.
- Verify records and documentation, ensuring all required paperwork and supporting materials are properly submitted.
- Utilize advanced data analysis techniques and software to review and interpret financial data, identifying irregularities, inconsistencies, and potential areas for recovery.
AML (KYC/CDD/EDD) Analyst - Transaction Monitoring
The Royal Bank Of Scotland, RBS
01.2018 - 10.2021
- Utilize advanced transaction monitoring software and tools to conduct real-time and retrospective reviews of financial transactions, detecting potential red flags and suspicious activities.
- Conduct comprehensive Client Due Diligence (CDD) assessments to verify the identity, background, and risk profile of new and existing clients in accordance with Anti-Money Laundering (AML) regulations.
- Investigate alerts generated by transaction monitoring systems and perform thorough due diligence on high-risk customers to determine the validity of flagged activities.
- Conduct Enhanced Due Diligence (EDD) for high-risk clients and Politically Exposed Persons (PEPs).
- Manage high-profile investigations, applying in-depth knowledge of POCA 2002, the UK Bribery Act 2010, the Money Laundering Regulations 2017, and counter-terrorist financing laws to ensure compliance with regulatory requirements.
- Develop and maintain documentation of investigation findings, including the completion of Suspicious Activity Reports (SARs) and other regulatory filings, ensuring accurate and timely reporting.
Mortgage Arrears Collection Associate
Ulster Bank, RBS Group
09.2013 - 01.2018
- Manage dedicated mortgage pre-arrears, arrears, and late-stage accounts, including high arrears in the residential sector.
- Contact customers in arrears to discuss long-term, sustainable solutions to resolve their mortgage arrears.
- Complete Standard Financial Statements with customers and negotiate mortgage arrears repayment plans accordingly.
- Ensure compliance with the current Code of Conduct and all relevant Mortgage Arrears Resolution Process (MARP) guidelines.
- Develop sustainable workout strategies and loan restructuring options.
- Review accounts for entry into or progression through the legal process.
Financial Crime Associate
The Royal Bank Of Scotland, RBS
01.2012 - 09.2013
- Receive client calls while adhering to strict security procedures and supporting fraud detection and prevention efforts.
- Detect, investigate, and prevent financial crime-related activity reported to the Financial Crime Team.
- Review all financial crime-related transaction monitoring alerts and investigate irregularities, preparing external reports when necessary.
- Identify and promote the best possible resolution to a wide range of fraud-related issues.
- Support the Team Manager in various projects aimed at streamlining business operations and enhancing the client experience.
Education
Bachelor of Arts - Law Administration
University of Warsaw
Warsaw (Poland)07.2007
High School Diploma -
MCK Language School
Słupsk (Poland)12.2003
Skills
- Knowledge of AML Regulations
- Investigative and analytical skills
- Excellent communication skills
- Attention to detail
- Risk Assessment
- Problem-solving
- Data Analysis
- Time management and organization skills
- Technology Proficiency
- Ability to manage heavy workload with minimum supervision
Languages
Polish
Native language
English
Proficient
C2
Timeline
KYC Associate - Client Onboarding & Regulatory Ser
Morgan Stanley
05.2024 - Current
Recovery Auditor
Illumis Global
10.2021 - 09.2023
AML (KYC/CDD/EDD) Analyst - Transaction Monitoring
The Royal Bank Of Scotland, RBS
01.2018 - 10.2021
Mortgage Arrears Collection Associate
Ulster Bank, RBS Group
09.2013 - 01.2018
Financial Crime Associate
The Royal Bank Of Scotland, RBS
01.2012 - 09.2013
Bachelor of Arts - Law Administration
University of Warsaw
High School Diploma -
MCK Language School
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