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Szczepan Czarniak

@szczepanczarniak

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I build risk analytics and fraud detection tools that improve credit decisions and prevent losses.

Poland

Message

What I'm looking for

I'm looking to build data-driven risk, fraud, and analytics products where I can improve monitoring, automate decisions, and shape stronger risk policies.

At Cofidis, I build fraud and credit-risk tools, including a Python-based bank-document verification system that helped prevent approximately EUR 7M in fraudulent credit exposure. I also automate SQL, SAS, and Python reporting, monitor decision rules, and advise on risk policy changes.

Previously at GeoComply and Cream Finance, I investigated iGaming fraud, improved geo-compliance monitoring, built dashboards and anomaly-detection workflows, and reduced fraud and manual review effort. I also founded queliq.com, a job-search workspace that turns CVs into structured signals and matches vacancies to user profiles.

Experience

Work history, roles, and key accomplishments

Current

Risk Analyst / Consultant

Current

Cofidis

May 2024 - Present (2 years 4 months)

Developed a Python-based PDF bank confirmation authenticity verification tool, preventing credit issuance based on forged documents totaling approximately EUR 7M. Handled escalated credit applications, created a Decision Rules Monitoring System, and automated SQL/SAS/Python reports for risk and debt collection departments.

Python SQL SAS Risk Analytics Credit Risk Fraud Detection Decision Rules Portfolio Monitoring Anomaly Detection Report Automation

Data / Product Analyst

GeoComply

Oct 2022 - Sep 2023 (11 months)

Investigated and mitigated iGaming fraud and geo-compliance risks by analyzing device fingerprinting, location spoofing, and digital behavior signals. Spearheaded the Adaptive Buffer Zone initiative, reducing false-positive fail rates by 3–5% and recovering approximately USD 4K/month while maintaining regulatory compliance.

Python SQL Fraud Detection Risk Scoring Anomaly Detection Data Visualization Dashboarding Compliance Geo Compliance Automation

Risk Analyst

Cream Finance

Dec 2019 - May 2022 (2 years 5 months)

Translated complex behavioral and financial data into executive-level dashboards, empowering the Board of Directors to optimize risk mitigation strategies. Engineered and automated 7 core performance dashboards using SQL and Python, saving 20+ hours of manual reporting monthly, and drove data workflow automation for the Loan Application project.

SQL Python Data Analysis Dashboarding A B Testing Fraud Prevention Anomaly Detection Workflow Automation Risk Analytics

Sales Operations Analyst

Sfera

Dec 2017 - Nov 2019 (1 year 11 months)

Analyzed sales data from over 10,000 transactions per month and reported on 15+ key performance metrics for management. Improved lead generation rates by 17% and reduced order processing time by 15%.

SQL Excel CRM Data Analysis Reporting Sales Operations