PL

AML / Fraud Analyst

Jakub Koszarny

AML and fraud analyst who looks at transactions through the lens of risk rather than isolated alerts. I try to connect data, regulation and business context so that risk reporting leads to concrete decisions and process changes.

Get in touch View experience
  • 3+ years in AML and fraud
  • Transaction monitoring in fintech
  • Background in banking and online payments

About

In my daily work I combine AML and fraud perspectives with a practical view of how risk shows up in products and processes. I am less interested in single alerts than in the patterns behind them and what they say about the organisation’s risk profile.

The reports I prepare are meant to support real decisions – from operational escalations to management-level discussions about exposure. I work with finance, product, compliance and technology teams so that changes to processes are both compliant and realistic to implement.

Experience

Mar 2025 – Present Poznań · CONTRA

AML Analyst

CONTRA · Finance & Accounting

  • Involved in designing and rolling out AML processes in a growing fintech, with attention to how procedures are actually applied in day-to-day operations.
  • Co-developing the monitoring and case documentation framework that structures how risk is assessed and how incidents are recorded.
  • Preparing operational and management reports used to understand risk exposure and decide on corrective or preventive actions.
  • Highlighting areas where processes can be simplified and suggesting changes that improve transparency and reduce operational friction.
Jul 2023 – Feb 2025 Poznań · PayU

Fraud Analyst

PayU · Financial Services

  • Monitored online payment flows and identified behaviour typical for fraud across different merchant and customer profiles.
  • Looked at transaction and customer patterns to spot new fraud schemes early and recommend adjustments to controls.
  • Worked with product and risk teams to refine fraud rules and operational guidelines based on observed cases.
May 2022 – Jun 2023 Poznań · neoBANK / Bank Nowy S.A.

Junior / Specialist, Transaction Monitoring

neoBANK / Bank Nowy S.A.

  • Monitored customer transactions and flagged cases that required deeper AML investigation.
  • Prepared reports and materials for internal escalations and, where necessary, for external institutions.
  • Contributed to updates of monitoring tools and procedures so that they better reflected the bank’s risk profile.

Skills

Domains

  • AML / CFT risk assessment at client and transaction level
  • Transaction monitoring (rule-based approaches and data-driven checks)
  • KYC / KYB and customer due diligence
  • Sanctions, PEP and watchlist screening

Tools & technology

  • SQL and work with transaction data
  • Case management systems
  • Scoring and rule-based engines
  • Collaboration with data and engineering teams

Soft skills

  • Turning regulatory requirements into concrete product and process changes
  • Working with business and technical stakeholders on shared risk decisions
  • Attention to detail without losing sight of the broader data context
  • Operating in environments where processes are still being shaped

Contact

I am happy to talk about roles involving AML, fraud and risk – both in fintech and in financial organisations that are building or reshaping their control framework.

E-mail hello@koszarny.com
LinkedIn linkedin.com/in/jkoszarny
Location Poznań · open to remote work