Open to opportunities

Adrian User

@adrianuser12

I build AML compliance programmes, investigations, reporting operations, and banking partnerships for fintech and crypto businesses.

Spain

Message

What I'm looking for

I'm looking to lead or advise on AML and compliance programmes, scalable operational systems, regulatory strategy, investigations, reporting, and team development in fintech or virtual-currency businesses.

I've led compliance and AML work for Boomfi, Inxy Payments, Narvi Payments, Klarna, TenX, TransferWise, and Revolut, helping fintech and virtual-currency businesses operate safely across Europe.

At Klarna, I reshaped AML operations by improving investigation standards and processes, reducing task time by up to 30%. I also helped define a centralized case-management approach, optimized transaction-monitoring logic, and restructured teams for major market expansions and product launches.

I've built compliance programmes from scratch, including policies, operational procedures, AML systems, vendor selection, investigation standards, and suspicious-activity reporting. My work includes Polish regulatory requirements, GIIF/FIU reporting, licensing support, EEA passporting, banking partnerships, and high-risk customer investigations.

I've also trained and mentored AML teams, from frontline investigators to reporting specialists, while helping leadership translate regulatory obligations into scalable operational decisions.

Experience

Work history, roles, and key accomplishments

Current

Head of Compliance

Current

Boomfi

Apr 2025 - Present (1 year 4 months)

Leading all compliance and AML projects as head of compliance.

Compliance AML Project Management

Compliance Consultant

Inxy Payments

Apr 2023 - May 2026 (3 years 1 month)

Provided compliance consulting to the board, developing and updating compliance programmes, registering with the FIU, and calibrating vendor technology.

Compliance AML Policy Development Vendor Management Regulatory Compliance FIU Reporting

Compliance Consultant

Boomfi

Oct 2024 - Mar 2025 (5 months)

Provided advisory, operational, and oversight services in AML policies, onboarding, transaction monitoring, investigations, and regulatory compliance.

AML Compliance Policy Development Transaction Monitoring Investigation Regulatory Compliance Internal Audit Vendor Management

Head of AML Operations

Klarna Bank AB

Apr 2021 - Mar 2022 (11 months)

Reshaped operational AML, introduced new working methods, improved investigation standards reducing task time by up to 30%, and restructured the department for specialized teams.

AML Operations Management Process Improvement Case Management Transaction Monitoring Risk Assessment

Compliance Lead & MLRO

TenX Payments Europe AG

Oct 2019 - Dec 2020 (1 year 2 months)

Built the European compliance programme, set up FIU reporting, communicated with the financial authority, completed passporting applications, and educated executives on regulations.

Compliance AML MLRO FIU Reporting Regulatory Affairs Passporting Cost Reduction

AML Investigator & FIU Reporting Specialist

TransferWise

Jun 2018 - Oct 2019 (1 year 4 months)

Conducted deep investigations on ML/TF escalations, reported to 10+ FIUs, trained investigators and reporting specialists, and assisted other compliance teams.

AML Investigation FIU Reporting Training Cryptocurrency Compliance

AML Investigator

Revolut Ltd

Mar 2018 - Jun 2018 (3 months)

Risk-assessed businesses, conducted deep AML investigations, reported suspicious activity to the UK FIU, liaised with law enforcement, and provided training.

AML Investigation Risk Assessment FIU Reporting Law Enforcement Liaison Training

Risk & Compliance Trainer

Revolut

Dec 2017 - Mar 2018 (3 months)

Trained new compliance employees on verification, fraud prevention, and EDD; prepared evaluations and development plans; participated in recruitment.

Training Compliance Fraud Prevention EDD Employee Development

Compliance Analyst & Team Owner

Revolut

Aug 2017 - Mar 2018 (7 months)

Reviewed and resolved locked/flagged accounts, improved compliance processes, ensured team KPIs, and provided operational guidelines.

Compliance KYC Transaction Monitoring Fraud Team Management Process Improvement

Executive Assistant

McKinsey & Company

Aug 2016 - Jun 2017 (10 months)

Provided team coverage, arranged travel logistics, liaised with external parties, and managed consultant expenses.

Administrative Support Travel Coordination Expense Management

Freelance Researcher

Freelance

Dec 2016 - May 2017 (5 months)

Conducted studies on social behavior and working memory, with data analysis using Excel statistics.

Research Data Analysis Excel Statistics

Intern Clinical Psychologist

Akro

Jan 2016 - May 2016 (4 months)

Conducted group and individual therapy for mental disorders and performed psychological assessments using various tests and scales.

Clinical Psychology Therapy Psychological Assessment

Volunteer at an NGO

Tetoca Actuar

Mar 2015 - Oct 2015 (7 months)

Introduced mnemonics and mindfulness techniques to enhance learning and memory in students.

Mnemonics Mindfulness Teaching

Education

Degrees, certifications, and relevant coursework

National University of Distance Education (UNED)

Master's Degree, Psychology

2016 - 2018

Master's degree in Research in Psychology with specialization in neuropsychology. Thesis on the effects of modularity of the mind across semantic categories on Alzheimer's disease.

National University of Distance Education (UNED)

Bachelor's Degree, Psychology

2012 - 2016

Bachelor Degree in Psychology with specialization in Health Psychology. Thesis on psychopathic disorder and the effectiveness of therapeutic approaches for reversal of symptoms at an early age.