Tomasz Stawski
Edinburgh,,United Kingdom
Summary
Financial Crime Risk professional with 14+ years' experience supporting first-line risk management, AML/CTF, sanctions, governance and regulatory compliance across global financial institutions. Experienced in financial crime risk assessments, control frameworks, stakeholder engagement, governance reporting and advising business teams on regulatory expectations. Passionate about strengthening financial crime risk frameworks through effective risk management and continuous improvement.
Overview
2
2
Languages
15
15
years of professional experience
Work history
KYC Associate - Client Onboarding & Regulatory Services
Morgan Stanley
Glasgow, United Kingdom
2024.05 - 2026.07
- 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 robust risk-based approach aligned with global regulatory standards.
- Analysed complex information from multiple sources to assess risk exposure, identify control gaps and support well-evidenced risk decisions.
- 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.
- Managed regulatory risk review programmes, ensuring timely completion while maintaining strong governance, quality standards and regulatory compliance.
- Provided risk-based advice to Compliance, Financial Crime and First Line stakeholders on complex AML/KYC matters and regulatory expectations.
- Worked with business and compliance stakeholders to identify, assess and mitigate regulatory and operational risks, ensuring appropriate escalation and resolution of complex issues.
- Maintained comprehensive governance documentation, supporting audit readiness, regulatory reviews and effective risk management.
- Drive operational improvement initiatives to enhance review quality, efficiency, and risk identification controls.
- Partnered with First Line of Defence, Compliance and Financial Crime teams to strengthen risk controls, resolve control weaknesses and support continuous improvement initiatives.
- Produced risk assessments, governance documentation and management information to support senior stakeholders in risk-based decision making.
Recovery Auditor
Illumis Global
London, United Kingdom
2021.10 - 2023.09
- Utilize advanced data analysis techniques and software to review and interpret financial data, identifying irregularities, inconsistencies, and potential areas for recovery.
- Conduct financial research and investigations to trace discrepancies, identify root causes, and recover lost funds.
- Identified past due invoices, overpayments, unapplied and unreconciled cash deposits, and reimbursements on vendors' accounts to facilitate recovery efforts.
- Verified records and documentation, ensuring proper submission of required paperwork and supporting materials to maintain compliance.
- Mentor and support junior analysts, providing technical guidance on complex cases and contributing to knowledge-sharing and capability uplift within the team.
- Gained two years of experience in financial analysis, contributing to enhanced understanding of recovery auditing processes.
AML Associate - Transaction Monitoring
The Royal Bank Of Scotland
Edinburgh, United Kingdom
2018.01 - 2021.10
- Utilise advanced transaction monitoring software and tools to conduct real-time and retrospective reviews of financial transactions, detecting potential red flags and suspicious activities.
- Investigated alerts from transaction monitoring systems and conducted due diligence on high-risk customers to validate flagged activities.
- Conduct Enhanced Due Diligence (EDD) for high-risk clients and Politically Exposed Persons (PEPs).
- 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.
- Managed high-profile investigations, applying knowledge of POCA 2002, UK Bribery Act 2010, Money Laundering Regulations 2017, and counter-terrorist financing laws to ensure regulatory compliance.
- Developed and maintained documentation of investigation findings, including Suspicious Activity Reports (SARs) and regulatory filings, ensuring accurate and timely reporting.
Mortgage Arrears Collection Associate
Ulster Bank, RBS Group
Edinburgh, United Kingdom
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
Edinburgh, United Kingdom
2012.01 - 2013.09
- Reviewed financial crime-related transaction monitoring alerts and investigated irregularities, preparing external reports.
- Detected, investigated, and prevented financial crime-related activities reported to Financial Crime Team, ensuring compliance and security.
- 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 - English Language
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 - 2026.07
Recovery Auditor
Illumis Global
2021.10 - 2023.09
AML Associate - 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
High School Diploma - English Language
MCK Language School
Bachelor of Arts - Law Administration
University of Warsaw