Piotr Maciejewski

Payments & Fintech Executive · European Markets

Warsaw, Poland

piotrmaciejewski.com

linkedin.com/in/piotrek-maciejewski

Payments and fintech executive with nearly two decades across banking and cross-border payments — from AML and due diligence to multi-country P&L. Head of Baltic States at Western Union, owning the P&L across Estonia, Latvia and Lithuania. Track record in Tier-1 bank partnerships, digital launches and multi-market growth, combined with hands-on technology: co-founder of Vacaloca Labs, building web, data and AI products.

Baltic markets, current P&L

markets, mobile-app launches

Tier-1 bank deals, DE & CH

20,000+

points of sale managed

25+

strategic contracts

Core expertise

P&L & commercial strategy
Partnerships & enterprise deals
Digital product & go-to-market
Regulation, AML & KYC
Pricing & agent networks
AI product development

Executive experience

Head of Baltic States

2025 — Present

Western Union · Warsaw

Full P&L ownership across Estonia, Latvia, and Lithuania — retail, digital, and B2B channels.
Pricing strategy, agent network management, and regulatory compliance across three EU jurisdictions.
Negotiated multimillion-dollar contracts with Tier-1 financial institutions.

Go-To-Market Lead, Digital Bank Poland & Romania

2023 — 2025

Western Union · Warsaw

Led go-to-market strategy for Western Union's digital banking product across Poland and Romania.
Established strategic partnerships with payment providers and KYC vendors.
Led global strategic initiatives including quarterly CEO presentations.
Built internal analytical dashboard for geographical data visualization using Next.js/React.

Head of Sales & Integrations, Financial Institutions — Central Europe

2021 — 2023

Western Union · Warsaw

Signed and executed 3 major contracts with Tier-1 banks in Germany and Switzerland — multimillion-dollar incremental revenue.
Developed 3-year omnichannel strategy approved by executive leadership.
Owned full deal cycle from opportunity identification through technical integration and go-to-market execution.

Earlier career

Digital Product Manager — Strategic Partnerships

2018 — 2021

Western Union · Warsaw

Launched WU mobile apps in 8 countries; signed 2 digital payment partnerships.

Business Development Manager, CEE

2014 — 2018

Western Union · Warsaw

12 exclusive agent contracts; 14 key accounts with 20,000+ points of sale.

Compliance Officer, CEE

2012 — 2014

Western Union · Warsaw

Wrote CEE compliance policy and built risk analytics tools in Python.

Corporate Compliance

2011 — 2012

State Street Bank Luxembourg · Luxembourg

Regulatory Steering Committee; due diligence on high-risk investors.

Senior AML Analyst, BENELUX

2008 — 2011

Royal Bank of Scotland (NatWest Group) · Luxembourg

Led a 4-person corporate due diligence team; contributed to the RBS Group AML manual.

Technology & ventures

Vacaloca Labs

Co-founder · 2023 — Present

Boutique studio building web, data and AI products. I lead software architecture and technical delivery.

MapTheGap

Product

Market intelligence for payments networks — tracks retail network coverage across countries to reveal white spots.

Oskar

Architecture & development

Conversational AI research platform built for Touchideas, replacing surveys with interviews.

Hands-on stack: TypeScript, React, Next.js, Python (pandas, NumPy), PostgreSQL, LLM integrations (Anthropic, OpenAI). Built internal analytics tools at Western Union in Python and Next.js.

Education

2019 — 2021

Master of Business Administration

Warwick Business School

Merit, scholarship awarded — thesis on AI adoption across Financial Institutions

2003 — 2009

MSc in Banking and Finance

Warsaw School of Economics (SGH)

Languages

PolishNative
EnglishFluent
FrenchFluent
SpanishC1