Malgorzata (Gosia) Celinska

With over seven years of hands-on experience in Anti-Money Laundering (AML), Know Your Customer (KYC), and fraud detection, I bring a strong track record of investigative expertise, regulatory compliance, and leadership across both the banking and online gambling industries. My career spans diverse environments—from high-volume financial institutions to fast-paced fintech operations—where I’ve consistently delivered impactful results in the prevention and detection of financial crime. In my current role as an AML Investigator, I specialize in Level 2 transaction monitoring, investigations, and the preparation of Suspicious Transaction Reports (STRs) for FINTRAC, while working within the ACRM (AML Compliance Risk Management) framework. I conduct in-depth analyses of suspicious activity, including cross-functional referrals from fraud and sanctions departments, and assess transaction flows involving MSBs and direct clients. Previously, I served as an AVP-level Change Manager in the Client Review and Investigations Unit (CRIU), where I oversaw compliance-driven procedural change initiatives, ensuring alignment between local and global AML policies, and led documentation projects across multi-stakeholder environments. At Citi, as an Expert AML Analyst and Team Lead back-up, I was responsible for training new hires, preparing SARs, CTRs, and handling documentation for FinCEN and FINTRAC, while performing high-quality investigations in both institutional and retail banking lines. I played a critical role in mentoring junior staff and organizing knowledge-sharing seminars—such as training on AML risks in the gambling industry. In the private sector, as Head of Fraud & AML at BETFAN and Totalbet, I built and led the anti-fraud department from the ground up, implemented AML procedures, conducted KYC verifications, identified fraud rings and synthetic identities, and liaised with law enforcement and payment service providers. I also developed operational policies and ensured regulatory reporting compliance. A knowledgeable professional in international regulatory frameworks, including FINTRAC and FinCEN, I complement my technical skills with proven leadership, having co-chaired the Citi Pride Network in Poland, where I drove diversity and inclusion initiatives while managing cross-functional projects and communications.