Tomasz Stawski
Edinburgh,Midlothian
Summary
Financial Crime professional with experience in transaction monitoring investigations, SAR reporting, and intelligence gathering, combined with current expertise in high-risk Enhanced Due Diligence (EDD).
Proven ability to analyse financial transactions, identify suspicious activity, and escalate findings to MLRO and senior stakeholders. Strong background in adverse media research, typology identification, and regulatory reporting, with working knowledge of UK financial crime frameworks.
Overview
14
14
years of professional experience
3
3
years of post-secondary education
Work history
KYC Associate
Morgan Stanley
Glasgow, Glasgow City
2024.05 - Current
- Conduct Enhanced Due Diligence (EDD) and periodic reviews for high-risk clients, including PEPs, financial institutions, and complex ownership structures
- Perform financial crime risk assessments covering AML, sanctions, corruption, and reputational exposure
- Analyse Source of Wealth and Source of Funds, identifying inconsistencies and escalation triggers
- Prepare risk summaries and approval packs for senior management and MLRO decision-making
- Conduct adverse media and sanctions screening, assessing credibility and materiality of findings
- Escalate complex or high-risk cases in line with internal governance frameworks
- Collaborate with Compliance and Financial Crime teams to resolve risk issues and close documentation gaps
- Maintain audit-ready documentation with clear rationale for risk decisions
Recovery Auditor (Financial Investigations)
Illumis Global
London
2021.10 - 2023.09
- Conduct financial investigations into discrepancies, overpayments, and irregular transactions
- Analyse financial data to identify anomalies, inconsistencies, and potential control weaknesses
- Trace transaction flows and perform detailed reviews of financial records
- Produce reports outlining findings and recommended corrective actions
AML Analyst – Transaction Monitoring
The Royal Bank Of Scotland
Edinburgh
2018.01 - 2021.10
- Conduct end-to-end investigations of transaction monitoring alerts, analysing financial transactions to identify suspicious activity
- Identify financial crime typologies including structuring, layering, and unusual transaction patterns
- Analyse customer behaviour and transactional data to form evidence-based conclusions
- Gather intelligence from internal systems and external sources, including adverse media
- Prepare and submit Suspicious Activity Reports (SARs) in line with regulatory requirements
- Escalate high-risk cases to MLRO and senior stakeholders with clear investigation summaries
- Conduct Enhanced Due Diligence (EDD) for high-risk clients including PEPs
- Apply knowledge of POCA 2002, UK Bribery Act 2010, and Money Laundering Regulations 2017
- Provide feedback on transaction monitoring alerts to support improvements in detection controls
Mortgage Arrears Collection Associate
Ulster Bank (RBS Group)
Edinburgh
2013.09 - 2018.01
- Assess customer financial situations and payment behaviours to support risk-based decisions
- Ensure compliance with regulatory frameworks including MARP guidelines
Financial Crime Associate
The Royal Bank Of Scotland
Edinburgh
2012.01 - 2013.09
- Investigate fraud and financial crime alerts, identifying suspicious transactions
- Support preparation of case documentation and external reports
- Escalate suspicious activity in line with internal procedures
Education
Bachelor of Arts - Law Administration
University of Warsaw
Warsaw, Poland 2004.09 - 2007.07
Skills
- Transaction monitoring
- Financial crime investigations
- Adverse media and OSINT
- SAR reporting
- AML, CTF, sanctions, and bribery risk
- Enhanced due diligence
- Risk assessment and escalation
- Stakeholder communication
- Report writing
- Typology identification
Languages
English
Intermediate
Polish
Intermediate
Timeline
KYC Associate
Morgan Stanley
2024.05 - Current
Recovery Auditor (Financial Investigations)
Illumis Global
2021.10 - 2023.09
AML Analyst – Transaction Monitoring
The Royal Bank Of Scotland
2018.01 - 2021.10
Mortgage Arrears Collection Associate
Ulster Bank (RBS Group)
2013.09 - 2018.01
Financial Crime Associate
The Royal Bank Of Scotland
2012.01 - 2013.09
Bachelor of Arts - Law Administration
University of Warsaw
2004.09 - 2007.07