Tomasz Stawski
Edinburgh
Summary
Results-driven AML Analyst with expertise in Fraud Investigation and KYC/CDD processes. Conducts detailed reviews and analyses of complex datasets to identify suspicious activities, ensuring compliance with regulatory standards. Develops and implements risk-based AML strategies to safeguard financial institutions against money laundering. Excels in dynamic environments, enhancing AML programmes to mitigate risks.
Overview
14
14
years of professional experience
Work history
KYC Associate - Client Onboarding & Regulatory Services
Morgan Stanley
Glasgow
2024.05 - 2026.06
- Lead end-to-end Enhanced Due Diligence (EDD) and complex periodic reviews for high-risk client populations, including PEPs, financial institutions, retail aggregators, and clients operating in high-risk jurisdictions and industries.
- Perform detailed financial crime risk assessments, analysing AML, sanctions, corruption, tax evasion, and reputational exposure, applying a robust risk-based approach aligned with global regulatory standards.
- Analyse and corroborate Source of Wealth and Source of Funds using internal systems and reputable external intelligence sources, identifying material discrepancies and escalation triggers.
- Prepare clear, defensible EDD risk assessments and approval summaries, supporting senior management sign-off, governance forums, and MLRO decision-making.
- Identify and escalate complex or material risks, contributing to formal governance processes and ensuring regulatory defensibility and audit readiness.
- Oversee high-risk client refresh pipelines, ensuring timely completion across jurisdictions while maintaining strict quality and compliance standards.
- Engage directly with Compliance, Global Financial Crime (GFC), MLROs, and First Line of Defense to resolve risk issues, close documentation gaps, and progress high-priority cases.
- Conduct advanced adverse media and sanctions screening, assessing credibility, materiality, and ongoing monitoring implications.
- Maintain full audit-ready documentation standards, ensuring accurate capture of risk triggers, ownership structures, and transactional behaviors.
- Drive operational improvement initiatives to enhance review quality, efficiency, and risk identification controls.
Recovery Auditor
Illumis Global
London
2021.10 - 2023.09
- 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.
- Mentor and support junior analysts, providing technical guidance on complex cases and contributing to knowledge-sharing and capability uplift within the team.
AML (KYC/CDD/EDD) Analyst - Transaction Monitoring
The Royal Bank Of Scotland, RBS
Edinburgh
2018.01 - 2021.10
- 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
Edinburgh
2013.09 - 2018.01
- 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
Edinburgh
2012.01 - 2013.09
- Detected, investigated, and prevented financial crime-related activities reported to Financial Crime Team, ensuring compliance and security.
- Reviewed financial crime-related transaction monitoring alerts and investigated irregularities, preparing external reports.
- Receive client calls while adhering to strict security procedures and supporting fraud detection and prevention efforts.
- Identified and implemented optimal resolutions for diverse fraud-related issues, enhancing client satisfaction and trust.
- Supported Team Manager in projects to streamline business operations and improve client experience, contributing to team goals.
Education
Bachelor of Arts - Law Administration
University of Warsaw
Warsaw, PolandHigh School Diploma - undefined
MCK Language School
Slupsk, PolandSkills
- Risk management
- Enhanced Due Diligence
- Risk Assessment
- Risk-Based Decision Making
- Investigative and analytical skills
- Technology Proficiency
- Attention to detail
- Time management
- Excellent communication skills
- Ability to manage heavy workload with minimal supervision
Languages
Polish: Native language
English: C2 Proficient
Timeline
KYC Associate - Client Onboarding & Regulatory Services
Morgan Stanley
2024.05 - 2026.06
Recovery Auditor
Illumis Global
2021.10 - 2023.09
AML (KYC/CDD/EDD) Analyst - Transaction Monitoring
The Royal Bank Of Scotland, RBS
2018.01 - 2021.10
Mortgage Arrears Collection Associate
Ulster Bank, RBS Group
2013.09 - 2018.01
Financial Crime Associate
The Royal Bank Of Scotland, RBS
2012.01 - 2013.09
High School Diploma - undefined
MCK Language School
Bachelor of Arts - Law Administration
University of Warsaw