Karolis Gumbis

Financial Crime professional with experience across crypto, fintech, and banking. Turning complex financial crime risks and regulatory requirements into practical processes. My experience ranges from investigating crypto and fiat activity to building AML controls, workflows, supporting product decisions, and helping teams make better risk-based decisions.

I'm looking to deepen my knowledge and experience in financial-crime QA and control improvement, testing whether processes work in practice, identifying gaps, and using AI automation to make compliance more consistent and effective.

MLRO at UAB Roqqu Technologies (2024-12 – Present)

• Led the company's transition toward MiCA readiness by creating the AML framework and aligning policies, procedures, and controls with Lithuanian and EU regulatory requirements
• Designed customer risk assessment procedure and scoring model, defining risk factors, weightings, scoring logic, risk tiers, and escalation thresholds for system implementation
• Calibrated and tested customer risk and transaction models against high and low risk cases, refining weightings and thresholds to improve risk classification and model effectiveness
• Designed the Travel Rule procedure for crypto asset transfers and maintained AML, Sanction, and monitoring controls across the business
• Partnered with the CEO, CCO, CFO, and senior management on risk mitigation, product development, and compliance priorities, identifying control gaps before implementation
• Coordinated external compliance, legal, and licensing providers supporting MiCA regulatory readiness
• Led company's recertification with its business banking provider as the newly appointed MLRO, coordinating evidence, stakeholder responses, and follow-up actions

BT Exchange - MLRO at Bullionz (2023-07 – 2024-12)

• Supported MiCA licensing and regulatory readiness by preparing AML and Compliance documentation and coordinating external advisers and service providers
• Led the development and maintenance of a risk based AML framework covering policies, procedures, risk controls, transaction monitoring, and regulatory reporting
• Oversaw Compliance activities and quarterly reporting to regulators and senior management, ensuring key risks, control activities, and remediation matters were documented and communicated
• Advised the CCO and senior stakeholders on regulatory requests, complex AML matters, and escalation decisions
• Sourced and coordinated banking and legal service providers, managing communications, documentation, and follow-up actions to support the company's operational requirements
• Monitored Lithuanian and EU regulatory developments and translated relevant changes into updates to policies, procedures, and operational controls

AML Compliance Consultant at LITHEX (Project - Self-employed) (2023-04 – 2023-07)

• Advised the CEO and business stakeholders on establishing and registering the VASP company in Lithuania, coordinating required corporate and compliance documentation
• Developed and implemented the initial AML policies, procedures, and controls, covering customer due diligence, risk assessment, escalation, record keeping, and reporting
• Advised stakeholders on regulatory requirements and compliance processes, providing guidance on their implementation across the business
• Monitored regulatory developments and advised stakeholders on relevant changes affecting company's activities and AML framework
• Prepared and submitted incorporation and corporate documentation to the Lithuanian Centre of Registers and assisted with regulatory correspondence and submissions

FinCrime Analyst (Crypto/Fiat) at Revolut (2022-08 – 2023-07)

• Partnered with Product Management and cross-functional teams to identify control gaps and strengthen fraud prevention controls by enhancing the Risk Based Investigation (RBI) workflow, improving investigation accuracy and reducing both false positives and false negatives
• Investigated complex retrospective and real-time transaction-monitoring alerts involving crypto and fiat using customer information, transaction history, geographic exposure, associated user data, and blockchain analytics tools to identify suspicious activity
• Conducted blockchain and wallet analysis to trace transaction flows, assess exposure to high-risk entities and crypto related typologies, and determine whether alerts should be cleared or escalated
• Performed customer and transaction research using internal records, OSINT, sanctions, adverse media, screening results, and external sources to identify fraud patterns, criminal use cases, and financial crime risks
• Identified and escalated suspicious activity, suspected fraud, complex, and other high-risk matters to FIU, Compliance, and Sanctions
• Analysed historical case data to identify false positives, support account reinstatement decisions, and improve investigation quality, fraud prevention, and financial crime controls

FinCrime CDD Analyst (AML/CTF Retail) at Revolut (2022-08 – 2022-10)

• Conducted high volume KYC/CDD reviews for new and existing retail customers, verifying identities and supporting documentation against internal policies and maintaining required quality standards
• Performed customer and product risk assessments using customer profiles, business activities, geographic exposure, transaction patterns, internal records, and external research sources
• Reviewed SOF/SOW information and supporting documentation to identify inconsistencies, financial crime red flags, and potential AML/CTF risks
• Analysed transaction-monitoring alerts and customer activity to identify potentially suspicious behaviour, including indicators linked to money laundering, fraud, and terrorist financing
• Documented investigation findings and escalated red flags and higher risk cases to the FIU

Operations Specialist at Intrum (Project) (2022-07 – 2022-10)

• Supported a system migration project, helping transition operational processes and information from a legacy platform to a new system
• Reviewed workflows, identified system and process issues, and supported incident resolution and continuous improvement activities in line with documented procedures and risk priorities
• Participated in operational process improvement activities, shared knowledge with colleagues, and supported the adoption of consistent working practices
• Helped increase workflow processing speed by 10% during the migration from the legacy platform to the new system by identifying bottlenecks and supporting process improvements

Senior AML/CTF & Fraud Analyst at Guidehouse (2021-06 – 2022-07)

• Investigated a high volume of complex transaction-monitoring cases, dispositioning alerts through analysis of blockchain activity, OSINT, adverse media, sanctions indicators, AML red flags, CDD/EDD findings, and customer documentation
• Supported analyst development and case quality through peer reviews and quality-control sessions for colleagues and new joiners, identifying documentation and analytical gaps and providing targeted feedback to improve investigation consistency and help maintain productivity and quality standards
• Conducted blockchain transaction analysis to identify suspicious activity and determine whether alerts should be cleared or escalated in line with AML/CTF procedures
• Documented supporting data, investigative findings, decision rationale, and customer provided documentation in case-management systems
• Prepared SAR/STR transcripts and evidence data for law enforcement authorities, including the National Crime Agency and Gardaí
• Served as a subject-matter resource by delivering AML and financial crime training on transaction-monitoring, investigations, alert disposition, escalation standards, fraud, red flags, blockchain, cryptocurrency, AML, and compliance

Information Technology Service Engineer at UCS Baltic (2019-10 – 2021-05)

• Provided on-site and remote support, including maintenance and troubleshooting of client hardware and software
• Maintained computers, network systems, and IT infrastructure, including installation, configuration, and administration of hardware and software, as well as system monitoring
• Provided technical support in a call centre environment, resolving incidents ranging from routine issues to critical problems, including 24/7 support
• Prepared, configured, and tested hardware and software systems for new clients and deployments
• Coordinated with external institutions and service providers to implement, troubleshoot, and maintain integrated payment terminal and access control systems

Web Development – TECHIN - Vilniaus technologijų ir inžinerijos mokymo centras

Computer Hardware Engineering – Vilnius Vocational School of Railway and Business Services