The Full Picture.

Western Union • Warsaw

Lead P&L, commercial strategy and operations across Estonia, Latvia and Lithuania, spanning pricing, retail distribution, digital channels and B2B partnerships. Negotiate multimillion-dollar agreements with Tier-1 financial institutions and set commercial priorities balancing growth and profitability. Oversee regional regulatory compliance in collaboration with legal, compliance and operational teams.

Western Union • Warsaw

Held a dual leadership mandate across five markets, combining digital-bank go-to-market in Poland and Romania with Baltic P&L ownership. Led digital-bank go-to-market strategy for Poland and Romania, covering product positioning, pricing and CRM campaigns. Established partnerships with payment providers and KYC solution vendors. Owned Baltic P&L across retail and digital channels and negotiated multimillion-dollar agreements with Tier-1 financial institutions. Led a global task force on the receiver experience, presenting progress and recommendations quarterly to the Western Union CEO. Designed and built internal analytics tools, including a geospatial dashboard used by cross-functional teams for market and performance analysis.

Western Union • Warsaw

Led enterprise partnerships and payment-platform integrations across eight markets in DACHL and Central and Eastern Europe. Negotiated and delivered three strategic agreements with banks and fintechs in Germany and Switzerland, generating multimillion-dollar incremental revenue. Developed a three-year omnichannel strategy for Germany and Switzerland and secured executive leadership approval. Owned the partnership lifecycle from opportunity identification and negotiation through solution architecture, integration and go-to-market execution, coordinating sales, legal, compliance and engineering.

Western Union • Warsaw

Launched Western Union mobile applications across eight Central European markets. Implemented an identity-verification solution in Germany and developed prototypes for video verification and new payment methods. Negotiated and delivered agreements with two digital payment providers supporting services in Germany, Poland and Switzerland. Coordinated implementation of PSD2 and Fourth AML Directive requirements across products and partner integrations.

Western Union • Warsaw

Held P&L responsibility for Croatia and Hungary, with revenue exceeding US$20 million. Managed 14 key accounts spanning banks, post offices and international retailers, representing more than 20,000 points of sale. Negotiated and signed 12 exclusive agent agreements across Central and Eastern Europe.

Western Union • Warsaw

Developed and updated WU Central Eastern Europe Compliance policies and procedures. Onboarded 10+ WU agents in line with EU AML requirements. Built analytics tools in Python & VBA for Risk Control Teams. Consumer Protection, Compliance & Ethics Officer for CEE region.

State Street Bank Luxembourg • Luxembourg

Member of Regulatory Steering Committee and co-organizer of SSBL Group Oversight Committee. Led Due Diligence analyses on High Risk corporate and individual investors. Assisted with AML and KYC regulation assessment.

Royal Bank of Scotland (NatWest Group) • Warsaw

Led a team of four analysts on due diligence of corporate clients in France, Belgium and Luxembourg, from RBS's Warsaw hub. Conducted on-site trainings with high-value corporate clients in Luxembourg. Contributed significantly to the RBS Group anti-money laundering manual and implemented Python automation.