Profile

Rutkowski Mikolaj

Mikolaj Rutkowski

Financial Crime Professional

Mobile:+48 602 360 361
E-mail:mikolaj@rutkowski.pro
Skype:mikolaj.rutkowski
Location:Warsaw, Poland

Forensic professional with 15+ years of proven experience track in preventing, detecting and investigating financial crime, primarily in the financial services industry. Having worked both for commercial and advisory entities, his expertise covers the whole fraud risk management cycle, from setting up relevant control frameworks, operating and refining processes and tools up to reviewing their compliance and effectiveness.

Mikolaj specializes in managing financial crime in the fintech industry, recognizing the power of automated controls and machine-learning business logic in fighting cybercrime. He run numerous complex engagements involving risk assessment, corporate fraud deterrence, anti-money laundering programs, internal investigations and digital forensics. He holds several professional designations in the areas of fraud risk management, computer forensics, anti-money laundering and auditing.

He is the frequent speaker and trainer on domestic and international events devoted to financial fraud, anti-money laundering and digital forensics. He authors Fraud IQ – a web portal aimed to spread fraud awareness by sharing useful risk management stories among business professionals.

Current Position

Nov 2014 - present

Head of Financial Crime, IPF Digital

International Personal Finance plc
IPF Digital Logo

IPF Digital is the online lending division of International Personal Finance Group, well-known for its home credit brand, Provident. It provides credit lines and installment loans under Credit24, HapiLoans, Creditea and Sving brands, currently on the eight markets worldwide: Spain, Poland, Finland, Estonia, Latvia, Lithuania, Mexico and Australia.

I am heading the Financial Crime Team responsible for securing the business from external and internal fraud losses, money laundering incidents and information security breaches.

My daily duties comprise of:

  • developing and enforcing the loss prevention framework across digital business,

  • designing market-specific technical and operational controls preventing internal and external frauds,

  • developing customer fraud and money laundering risk assessment principles and resulting due diligence practices,

  • administering and developing tools and systems providing online fraud and money laundering protection,

  • examination of internal and external fraud suspicions, attempts and actual cases,

  • enforcing information security principles within IPF Digital internal data environment,

  • monitoring national legal environments and assuring compliance with relevant requirements,

  • cooperation with law enforcement representatives,

  • researching financial crime regulatory requirements, tools availability and risk management practices while rolling out IPF Digital business over new markets,

  • developing and implementing adequate anti-fraud, AML and information security frameworks while setting up businesses in consecutive markets.

Past Positions

May 2012 - Apr 2015

Founder & Chief Consultant

fraudit
fraudit Logo

fraudit was the independent advisory practice, specialized in fraud risk management solutions, corporate investigations and anti-money laundering services. It was founded as the professional alternative for companies seeking forensic services and fraud advisory on the market predominated by big consulting firms. It offered a comprehensive range of services supporting companies in fighting and investigating fraud and malpractice.

The services rendered included the following:

  • performing corporate investigations, both independently and in co-operation with internal taskforces,

  • conducting quality reviews of anti-fraud and anti-money laundering frameworks,

  • providing computer forensics and e-discovery services (evidence acqusition, processing, analysing and reporting),

  • performing processes and products fraud and money laundering vulnerability reviews,

  • designing and optimizing anti-fraud and anti-money laundering programs, processes and procedures,

  • delivering business intelligence information on agreed matters,

  • building fraud awareness by delivering internal training and designing relevant materials.

Jun 2011 - Mar 2013

President of the Board

Association of Certified Fraud Examiners, Poland Chapter
ACFE Polska Logo

ACFE Polska is the local Chapter (#114) of the Association of Certified Fraud Examiners, the world’s largest anti-fraud organization and provider of anti-fraud education. Its mission is reducing the incidence of fraud and white-collar crime and to assist its members in fraud detection and deterrence.

I was appointed as the President of the Board by the annual General Members’ Assembly and entrusted with managing the Chapter’s activity on the Polish market.

My core responsibilities included:

  • promotion of the anti-fraud profession to the local business,

  • cooperation with ACFE Headquarters and peer European chapters in spreading the fraud awareness and facilitating knowledge sharing,

  • organizing and participating in the industry events devoted to financial crime and risk management,

  • cooperation with local entities involved into economic crime prevention (Police, Prosecutor’s Office, Central Anti-Corruption Bureau, Ministry of Internal Affairs, Association of Polish Banks),

  • administering the Chapter’s everyday activity,

  • running ACFE Polska’s website, discussion forum and social profiles.

Jan 2011 - Apr 2012

Manager

EY Fraud Investigation & Dispute Services
EY Logo

EY’s Fraud Investigation and Dispute Services is the advisory practice providing assistance to companies facing fraud, government investigations, regulatory inquiries, major litigation or transactional disputes. It delivers combined expertise of forensic accountants and technologists, certified fraud examiners, anti-corruption and anti-money laundering specialists.

I was primarily responsible for attracting and servicing customers from the financial services industry, however I also headed several assignments provided to other industries, whenever financial transactions were in scope.

My core responsibilities included:

  • developing and marketing products and services aimed at financial industry,

  • preparing sales offers and negotiate projects’ budgets, scope and deliverables,

  • managing projects related to investigating fraud, corruption and money laundering incidents,

  • advising on fraud and money laundering risk management frameworks implementation and refinement,

  • recommending fraud-related internal controls aimed at reducing fraud vulnerability, error proneness and lowered effectiveness,

  • performing forensic due diligence of the planned mergers and acquisitions’ targets,

  • monitoring industry best practices and benchmarks in order to keep customers in line with the latest solutions,

  • supporting EY’s “though leadership” initiative by publishing articles, giving speeches and presentations, drawing up survey studies.

May 2008 - Dec 2010

Head of Fraud Risk Management

BNP Paribas Fortis Bank Poland
BNP Paribas Fortis Logo

BNP Paribas Fortis was the brand used by the Fortis Group after having been globally taken over of by the BNP Paribas Group. Its Polish subsidiary was a middle-size universal banking institution serving corporate, retail and consumer finance customers. Currently, after acquisition of another Polish bank, it operates as BGŻ BNP Paribas Bank.

I was entrusted with establishing and leading the in-house forensic practice supporting the bank with prevention, detection and investigation of any financial crime instance.

My core responsibilities included:

  • designing and implementing strategy and methodology of fraud risk management and cases examination,

  • leading and coordinating fraud risk assessments, designing and testing fraud-related controls,

  • advisory for the Board and senior management on effective fraud risk management and internal controls,

  • performing vulnerability analyses of agreed products, processes and IT systems,

  • training employees on preventing and detecting internal and external fraud,

  • maintaining the internal Fraud Alert System,

  • conducing fraud investigations in cases of internal and external frauds and money laundering situations,

  • daily cooperation with peer financial companies in financial crime information exchange and best practices sharing,

  • reporting incidents and facilitating legal proceedings towards suspects and perpetrators.

Feb 2008 - Mar 2010

Investigations Country Manager

BNP Paribas Fortis Poland
BNP Paribas Fortis Logo

Group Investigations was the BNP Paribas Fortis global assurance function focused on fighting financial crime across all Group core business lines (banking, leasing, securities, insurance, investment management, factoring). It was disbanded as a part of organizational changes following acquisition of Fortis Group by BNP Paribas Group.

I was entrusted with establishing and leading the country-level network of risk specialists collectively protecting Group’s Polish businesses from fraud and malpractice. At that time Group’s local business was run through 8 specialized entities.

My core responsibilities included:

  • participating in designing the Group anti-fraud strategy and operational procedures,

  • managing fraud risk on the country level via planning and executing necessary actions and compiling management information,

  • enforcing and verifying local implementation of the relevant policies within Polish business units,

  • advising, consulting and supporting the particular risk officers located in different business lines,

  • coordination of preventive and detective measures taken by the particular risk officers,

  • conducting fraud examinations in case of fraud suspicions,

  • sharing best practices, case studies, early warnings and expertise within Group Investigations members.

Trainings & Conferences

2006 - present

Conference Speaker

Conferences

Prepared and delivered numerous (40+) audience-adapted presentations and lectures on domestic and international events (locations included i.a. London, Amsterdam, Berlin, Prague and Warsaw). The conferences attended combined both those devoted exclusively to financial crime area and to more general risk management and compliance matters.

Example topics covered included:

  • incorporating financial crime risks into corporate risk assessments,
  • internal auditors’ responsibility for fraud prevention and detection,
  • strengths and weaknesses of device profiling in application fraud detection,
  • use of computer forensics in fraud prevention,
  • detecting malpractice in automated environments,
  • e-banking fraud – recent threats and their early prevention,
  • from interview to interrogation – the art of acquiring information,
  • encouraging employees to blow the whistle,
  • establishing money laundering risk scoring models,
  • auditing forensic function in an organization,
  • compliance, operational risk and anti-fraud functions – getting together,
  • particular anonymized cases studies and lessons learned from them.
2008 - present

Expert Trainer

Trainings

Designed and conducted numerous (20+) original subject matter trainings and workshops, lasting from 1 up to 5 days. They were delivered to the closed internal groups as well as available to the general public and highly appraised by the participants.

Example topics covered included:

  • assessing fraud risk and building the fraud response plan,
  • conducting internal investigations,
  • utilizing computer forensics in corporate investigations,
  • preventing and detecting credit application frauds,
  • establishing comprehensive fraud risk management framework at a company,
  • establishing effective anti-money laundering programs,
  • designing  Know Your Customer programs and applying customer due diligence.

Certified Fraud Examiner

2007 Nov
Association of Certified Fraud Examiners
Certified Fraud Examiner Logo

Certified Fraud Examiner (CFE) designation has been accredited by the Association of Certified Fraud Examiners, the world’s largest anti-fraud organization. Its holders combine knowledge of complex financial transactions with an understanding of methods, law, and of how to resolve allegations of fraud and abuse. CFE designation denotes proven expertise in fraud prevention, detection, deterrence and investigation.

Certified Financial Crimes Investigator

2011 Mar
International Association of Financial Crimes Investigators
IPF Digital Logo

Certified Financial Crimes Investigator (CFCI) certificate is awarded by the International Association of Financial Crimes Investigators to the professionals demonstrating advancement of financial crime job knowledge and skills. It acknowledges competences to detect, investigate and report fraud and misconduct occurring primarily, but not exclusively, in the modern financial services industry (fintech).

Certified Anti-Money Laundering Specialist

2011 Mar
Association of Certified Anti-Money Laundering Specialists
Certified Anti-Money Laundering Specialist Logo

Certified Anti-Money Laundering Specialist (CAMS) is the financial certificate governed by the Association of Certified Anti-Money Laundering Specialists. It is recognized as a gold standard in protecting the financial system against money laundering and terrorism financing, designing and implementing tailored AML programs, superior understanding of international AML/CTF principles and operational excellence in risk-based approach for protecting against financial crime risks.

GIAC Certified Forensic Analyst

2014 Nov
Global Information Assurance Certification
GIAC Certified Forensic Analyst Logo

GIAC Certified Forensic Analyst (GCFA) designation is awarded by the Global Information Assurance Certification, the world leader in cyber security certifications. The GCFA certification is awarded to information security, computer forensics, and incident response professionals, certifying their skills required to collect and analyze data from Windows and Linux  systems. It attests the knowledge, skills and ability to conduct formal incident investigations and handle advanced incident scenarios, including data breach intrusions, advanced persistent threats, anti-forensic techniques and complex digital forensic cases.

Certified Computer Examiner

2013 Sep
International Society of Forensic Computer Examiners
Certified Computer Examiner Logo

Certified Computer Examiner (CCE) is offered by the International Society of Forensic Computer Examiners, the vendor-neutral organization certifying the competency of forensic computer examiners. The certificate acknowledges its holder’s practical skills to properly acquire, process, analyze and present digital evidence preserved online and offline from variety of equipment running variety of operating systems and from computer networks.

Certified Internal Auditor

2006 Jan
Institute of Internal Auditors
Certified Internal Auditor Logo

Certified Internal Auditor (CIA) designation has been accredited by the Institute of Internal Auditors for almost 50 years now. It has been the excellence standard by which individuals demonstrate their competency and professionalism in the internal auditing profession. It covers a broad range of subjects, including management, internal control, fraud, risk, governance, finance and IT concepts.

Master’s Degree in Banking

2000 Mar
University of Lodz
University of Lodz Logo

University of Lodz is one of the leading institutions of higher education in Poland. It was established in 1945 as a successor of educational institutions present in Lodz in earlier times. Its 12 faculties provide programs in 76 fields of study and 160 specializations. In addition, the University offers doctoral programs, more than 60 postgraduate curricula including an MBA program, and programs financed by the ESF. It has been constantly recognized as one of the top Polish academic institutions.

Contact info
AddressWarsaw, Poland
Phone+48 602 360 361
Websitehttp://www.rutkowski.pro

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