Bartosz Baranowski

I’m an AML/KYC professional with 7+ years in financial services and 4+ years focused on AML/KYC compliance across traditional banking, e-commerce fintech, and the crypto sector. I operate within the Second Line of Defense, building AML/KYC policies and overseeing complex EDD/KYB reviews to protect compliance integrity in high-volume environments.

At Ari10 (Crypto / FinTech), I serve as a 2LoD quality gate—reviewing First Line analysts’ work, calibrating decision standards, and guiding complex, high-risk cases for consistent analytical quality. I lead KYC/CDD/EDD work for individual and corporate clients, including UBO mapping, business model analysis, and SoW/SoF verification using Sumsub and blockchain analytics tools, and I own final compliance decisions on the most complex cases.

Previously at NatWest (Correspondent Banking / EDD), I conducted EDD on global correspondent banking partners by reviewing Annual Reports, AML Questionnaires, and audited financials using Moody’s and World-Check. I verified SoF and SoW for high-risk institutional clients, performed PEP screening and sanctions checks with adverse media analysis, escalated material findings with structured risk narratives, and reviewed Vostro account transaction activity for red flags.

Earlier, at Allegro (E-Commerce / FinTech / Payment Platform), I helped build the payment institution’s AML platform by translating regulatory requirements into technical specifications, running UAT tests, and partnering with IT to strengthen automated detection. I also managed daily KYC for 20–100 users, identified a multi-account fraud scheme using OSINT, and monitored transaction activity for money laundering, terrorist financing, and platform abuse.