Payments & Fintech Executive · European Markets

Paymentsleadership,from P&L to production.

I lead payments businesses and build digital products.

Nearly two decades across European banking and payments, from digital product and enterprise partnerships to multi-country P&L leadership. Currently Head of Baltic States at Western Union.

I also design software architecture and write production code, building web applications, data platforms and AI-powered products.

Work With Mearrow_forward
Piotr Maciejewski, payments & fintech executive
Current P&L · since 2025
3Baltic markets
Mobile-app launches · 2018–2021
8European markets
Multimillion-dollar, Germany & Switzerland · 2021–2023
3Tier-1 bank deals
14 key accounts in Central Europe · 2014–2018
20,000+points of sale
What I Bring

Senior payments leadership, end to end.

monitoring

Growth & P&L

Country leadership, commercial strategy and pricing — owning the numbers, not just reporting them.

Full P&L across Estonia, Latvia and Lithuania: retail, digital and B2B.

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Partnerships & enterprise deals

From first conversation through technical integration and launch, with banks, retailers and digital players.

25+ strategic contracts, including 3 Tier-1 banks in Germany and Switzerland.

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Digital product & go-to-market

Taking payments and banking products online — and getting customers to use them.

Western Union's digital bank in Poland and Romania; mobile apps in 8 countries.

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Regulation & risk

A career that started in AML and due diligence — growth that is built to pass regulatory scrutiny.

RBS and State Street compliance; PSD2 and 4th AML Directive rollout at Western Union.

Career

Every seat in the payments business.

My career spans AML and corporate due diligence at Royal Bank of Scotland and State Street, followed by distribution management, digital product, enterprise partnerships, digital-bank go-to-market and multi-country P&L leadership at Western Union.

Today, I lead P&L, commercial strategy and operations across Estonia, Latvia and Lithuania. Earlier roles included P&L responsibility for Croatia and Hungary, mobile-app launches across eight European markets, and strategic partnerships with financial institutions in Germany and Switzerland.

MBA with Merit, Warwick Business School, with research on AI adoption across financial institutions.

Full resumearrow_forward
  1. P&L2025 — Present

    Head of Baltic States

    Western Union

    Full P&L across Estonia, Latvia and Lithuania — retail, digital and B2B.

  2. Go-to-market2023 — 2025

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

    Western Union

    Took Western Union's digital bank to market in Poland and Romania.

  3. Enterprise sales2021 — 2023

    Head of Sales & Integrations, Financial Institutions — Central Europe

    Western Union

    3 Tier-1 bank contracts in Germany and Switzerland — multimillion-dollar incremental revenue.

  4. Digital product2018 — 2021

    Digital Product Manager — Strategic Partnerships

    Western Union

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

  5. Business development2014 — 2018

    Business Development Manager, CEE

    Western Union

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

  6. Compliance2012 — 2014

    Compliance Officer, CEE

    Western Union

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

  7. Regulation2011 — 2012

    Corporate Compliance

    State Street Bank Luxembourg

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

  8. Risk2008 — 2011

    Senior AML Analyst, BENELUX

    Royal Bank of Scotland (NatWest Group)

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

Where I've worked

Western Union
State Street Bank
Royal Bank of Scotland
The Differentiator

An executive who ships.

I work across product definition, software architecture and hands-on implementation, taking applications from an initial business problem through to deployment and iteration.

My work includes full-stack web applications, data pipelines, interactive analytics and LLM integrations, using TypeScript, React/Next.js and Python. I build the software myself and make the architectural and delivery decisions behind it.

NewRemit homepage — the intelligence layer for cross-border payments
Cross-border pricing

NewRemit

Problem. Remittance providers set FX margins and fees without a clear view of what competitors charge on the same corridor.

Solution. Market-intelligence platform for cross-border payments — live pricing, margins and payout networks for 10 remittance providers across 1,000+ corridors, refreshed 6× daily.

Case studyarrow_forward
Oskar product screenshot
AI consumer research

Oskar

Problem. Surveys are slow, shallow and ignored by the people brands most want to hear from.

Solution. AI-powered consumer research platform that replaces static questionnaires with natural, conversational interviews. Built for FMCG brands and research agencies.

Case studyarrow_forward
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Payments intelligence

MapTheGap

Problem. Payments networks expand without seeing where competitors are, and where they aren't.

Solution. Geospatial intelligence platform analyzing 100,000+ retail locations to identify market gaps, competitive whitespots, and expansion opportunities for brick-and-mortar businesses.

Case studyarrow_forward
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Inside the corporate role, too

In my corporate roles I've built internal analytics dashboards and, back in compliance, Python risk tools. The building isn't a side project; it's how I work.

Also delivered for, through Vacaloca Labs

Gibbarosa
TouchIdeas
MoneyTransfer
Hotel Avangarda
All workarrow_forward
Work With Me

Three ways to work together.

02

Advisory & fractional

Senior payments expertise for a defined problem, without a full-time hire.

  • checkFintech go-to-market
  • checkPayments product strategy
  • checkAI adoption in financial services
Discuss a projectarrow_outward
03

Build with Vacaloca

I co-founded Vacaloca Labs, a boutique studio building web, data and AI products. Working with my co-founder across strategy and design, I lead software architecture and hands-on technical delivery, from product definition through implementation and deployment.

  • checkAI products & LLM integrations
  • checkInternal tools & dashboards
  • checkCustom web platforms
Explore Vacaloca Labsarrow_outward