Key achievements, projects and other things I've done.
A short summary of key projects, major integrations and business development achievements.
Head of Go-To-Market, Digital Bank Poland and Romania | Head of Baltics at Western Union
2023 - present
As Head of Go-To-Market: Leading the creation and implementation of Go-To-Market strategies for Western Union Digital Bank in Poland and Romania, employing the latest AI technologies and programming methodologies to optimize the processes and customer experience.
Developed and implemented an internal Web App dashboard using Next.js/React.js for geographical data visualization, demonstrating both strategic insights and practical technical capabilities.
Driving product development and enhancements, tailoring products to customer needs and market trends
Established and nurtured key digital partnerships to foster collaboration and mutual business growth.
Leveraging advanced data analytics and programming skills to optimize strategies, support data-driven decisions, and monitor the bank's performance.
Developing competitive pricing strategies, balancing profitability with customer acquisition and retention.As Head of Baltics: Overseeing revenue development, driving sustainable growth through strategic initiatives.
Negotiated multimillion-dollar contracts with Tier-1 financial institutions from the region, fostering relationships with key stakeholders and contributing to the financial health of the organization.
Directing digital product enhancements, staying abreast of technological advancements to maintain a competitive edge.
Managing operations across the Baltic region, leveraging AI and the latest technologies to ensure efficiency and compliance with all relevant standards and regulations.
Head of Sales & Integrations at Western Union
2021 - 2023
Signed, executed and launched 3 Key Account contracts with Financial Institutions in Germany and Switzerland ensuring multimilion incremental revenue stream for WU.
Leading Western Union Enterprise Partnerships development across Central Europe (DACHL/CEE).
Driving incremental revenue through WU cross-border payments product integrations to Financial Institution's ecosystem (Tier 1 - 2 banks & fintechs).
Ultimately responsible for the solution delivery, managing several cross-functional teams. Holistically responsible for sales, contract negotiations, business & compliance requirements capture, solution tailoring and Go-To-Market strategy.Co-created 3-year omnichannel strategy for Germany and Switzerland.
Tasked with creating a new omnichannel strategy for Western Union in Germany and Switzerland to ensure the company's long-term success in the region. The strategy was based on a deep understanding of the market, customers, the competitive landscape, and the company's strengths and weaknesses. The strategy was presented to the WU Executive team and was approved.
Digital Product Manager - Strategic Partnerships at Western Union
2018 - 2021
Signed and executed contracts with 2 primary digital payment solutions in Germany, Poland and Switzerland
New payment methods were the key driver to new customer acquisition and retention across WU products. I was responsible for the product development, managing several cross-functional teams, business & compliance requirements capture, solution tailoring and Go-To-Market strategy.
Successful launch of 8 (countries) WU mobile applications, implementation of new ID verification method in Germany
Ultimately responsible for new products and product extension launches (WU App) in Central Europe. - Managing key product metrics, and analytics and enhancing the customer experience within WU Core Digital Products.
All Key Accounts met the imposed financial targets
Executing the proper dynamic pricing and FX strategy on the covered markets.
Coordinating proper adoption of key Compliance requirements such as the 4th AML Directive and PSD2 to core products and partners' ecosystems in close cooperation with Compliance, InfoSec and Privacy.
Business Development Manager at Western Union
2014 - 2018
Signed 12 WU exclusive agent contracts in 4 years with major organisations across Central Europe, consistently delivering WU revenue targets and appropriate network quality.
Successfully managed the Croatian and Hungarian markets improving WU market share position in both countries. Led 14 Key Accounts (Banks, Post Offices and Global Retail Services, 20,000 POS) with a proven track of renewed WU contracts and new agent signings.
Compliance Officer, at Western Union
2012 - 2014
Developed and updated WU Central Eastern Europe Compliance policies and procedures. Onboarded 10+ WU agents in line with PSD2 and 4th AML Directive requirements. Built several analytics tools in Python & VBA ensuring the best data visualisation for Risk Control Teams.
Consumer Protection, Compliance & Ethics Officer responsible for Key Accounts (Banking and Retail) in CEE region. Conducting agent oversight, audits and Due Diligence analysis. Actively participating in the reinforcement of the internal AML programme. Specialized in Fraud and Cyber Crimes acting as the major point of contact for Regulators, Police, Prosecutors and Tax Office in CEE.
Corporate Compliance, at State Street Bank Luxembourg
2011 - 2012
Member of the State Street Bank Luxembourg Regulatory Steering Committee, responsible for Regulatory updates and Regulatory risk assessment. Member and co-organiser of SSBL Group Oversight Committee, dedicated to Group supervision over European State Street Bank branches.
Led several Due Diligence analyses on High Risk corporate and individual investors resulting in minimizing regulatory risk exposure of SSBL. Assisted IFDSL (State Street Bank delegated Transfer Agent) in assessing new AML and KYC regulation, which has been recognized by IFDSL Board. Responsible for analysis and supervision of the Suspicious Transaction Monitoring process.
Senior AML Analyst, at Royal Bank of Scotland (NatWest Group)
2008 - 2011
Leading the team of 4 people, responsible for extensive Due Diligence of corporate clients in France, Belgium and Luxembourg.
Provided several onsite trainings in Luxembourg directly with high-value corporate clients. Contributed significantly to RBS Group Anti-money laundering manual, updating procedures and policies as well as leading the training team for new hires.