Kinga Argalska

Attorney | Counsel

BIO:

Attorney-at-law
Counsel
FinTech Department
An attorney-at-law specializing in financial law, with particular focus on AML, FinTech, banking law, and compliance.

An experienced advisor on regulatory law, compliance, and legal risk management for payment institutions, fintech companies, and entrepreneurs in the financial sector.
Advisor on projects of strategic importance for the online payments sector, including the implementation of PSD2 and AMLD regulations.
Supporting clients during audits and inspections conducted by the Polish Financial Supervision Authority (UKNF) and the Information Technology and Information Security Agency (GIIF), preparing analyses and responses to regulators’ recommendations.
Building and managing the AML/KYC department at one of the largest payment institutions in Poland.
Conducting and comprehensive implementation of procedures compliant with PSD2 and AMLD.
Effective conduct of UKNF inspections in the area of operational compliance and effective defense of companies’ interests before supervisory and law enforcement authorities.

Advises payment institutions, fintech companies, and entities supervised by the Polish Financial Supervision Authority on obtaining licenses, implementing regulatory requirements (PSD2, AMLD, GDPR), and compliance in cross-border activities.

Designs, implements, and audits AML/KYC procedures, serves as MLRO, conducts training for management, and represents clients before the Polish Financial Supervision Authority (KNF) and the Information Technology Authority (GIIF).
Advises on anti-money laundering, counter-terrorism financing, and compliance risk management.

Supports fintechs and technology startups in areas such as open banking, embedded finance, and payment services.
Prepares regulatory documentation, drafts agreements with technology partners, and conducts compliance analysis of innovative financial products.

Team