Tomasz Stosio
Oanda Global Corporation
Warsaw
2
Languages
21
years of professional experience
Innovative Fin-tech Leader with 16+ years in financial and payments markets. Led startups to scale and enhance revenue while optimizing operations through strategic initiatives. Managed complex financial products and ensured regulatory compliance, leading cross-functional teams to deliver high-quality digital financial solutions and establish market leadership.
Work History
Head of the Payments Department
8 Years 7 Months- Director of Payments Department focus on Developing Payments Platform for operations overseeing Payments, FX, and Treasury functions, managing a team of 20+ professionals across product, sales, and advisory areas. Full accountability for product P&L (EBITDA), growth strategy, and delivery of digital financial solutions.
- Led the development and scaling of fintech products, including a PSD2-based payments platform (B2B/B2C), driving 30% year-over-year growth and innovation in digital onboarding, API integrations, and customer experience. Successfully delivered multiple complex implementations across applications and external systems.
- Built and maintained relationships with regulators (KNF, GIIF, Ministry of Finance) to ensure compliance in AML, KYC, and regulatory reporting, enhancing compliance processes and reporting frameworks.
- Drove product development strategy, backlog ownership, and cross-functional execution with IT teams, translating business needs into scalable technical solutions.
- Integrated cross-border payment solutions by standardizing workflows to support operational scalability while meeting diverse regulatory requirements, leveraging API and banking IT systems.
- Implemented data-driven management practices for product analytics and sales performance monitoring to strengthen regulatory reporting.
- Engaged with Management Board and senior leadership through weekly executive forums and Risk and Product Committee governance structures, contributing to strategic decisions and aligning product direction with financial performance and regulatory requirements.
- Led the execution of M&A transactions and initiated partnerships for white-label payment solutions, coordinating with legal, product, and compliance teams to ensure smooth integration and regulatory alignment.
Board Member, Co-owner
14 Years- Led expansion of corporate infrastructure, including formal business registration, management of regulatory documentation, and establishment of financial relationships with banks and healthcare providers, securing equity financing for essential equipment and implementing organizational systems for employee medical services.
- Furthermore, I actively participated in high-level strategic decision-making processes at both the founder and management levels, working closely with management to precisely define and articulate the company's long-term strategic goals and implement key development initiatives.
- During this time, the company built a database of 5,000 patients, employed 20 doctors of several specialties, and the company's revenues increased year on year by an average of 20%.
- Established sound financial practices to ensure stability and growth.
Manager of Payments Team
1 Year 7 Months- Building up the Payments Department (online Payments platform, KNF licensed, FX, Transfers, E-Wallets, Payments Gateway, API connections with Financial Institutions and PSD2 ready).
- Established and guided cross-functional teams in operational strategy, compliance, departmental hedging, sales, marketing, and IT to drive platform growth through Agile methodology and integration tools.
- Established and guided cross-functional teams covering operational strategy, compliance, departmental hedging, sales, marketing, and IT to support platform growth, utilizing Agile methodology and integration tools.
- Delivered regular status updates to Management Board and Supervisory Board on payment operations by compiling performance and project reports using data analytics tools, enhancing transparency and informed decision-making.
- Negotiated cooperation terms with banks and financial institutions to establish partnerships.
- Prepared regulations, procedures, contracts, and business models for services and sales, including internal incentive and bonus systems.
- Mentored newly onboarded professionals, facilitating rapid competency development and ensuring seamless integration within payments team.
Financial Markets Specialist
1 Year 11 Months- Oversaw diverse financial market activities, maintained strict compliance with company policies and regulatory standards, and optimized overall financial performance.
- Demonstrated profound understanding of financial products, applied risk management skills, and conducted strategic market analysis to support advancement of company's strategic goals.
- Self-motivated, with a strong sense of personal responsibility.
- Worked effectively in fast-paced environments.
- Skilled at working independently and collaboratively in a team environment.
Executive FX Dealer/Project Manager
1 Year 11 Months- Established a new branch office for a UK financial broker in Warsaw.
- Coordinated launch of new branch office by managing legal, operational, and financial requirements to meet regulatory standards, leveraging project management and FX expertise.
- Led strategic initiatives to enhance operational efficiency across multiple departments.
- Developed and implemented policies that improved compliance and risk management protocols.
- Directed cross-functional teams to achieve alignment on business objectives and project outcomes.
Investing Manager
3 Years- Conducted comprehensive financial analyses and due diligence on prospective investment opportunities to support informed decision-making.
- Assessing the market environment and competitive landscape to determine the viability of projects.
- Collaborating with cross-functional teams to gather necessary data and insights for informed decision-making.
- Prepared detailed investment reports and presentations for senior management and stakeholders, enhancing clarity of investment strategies.
- Monitoring and reviewing the performance of ongoing investments to ensure alignment with strategic goals.
- Identified potential risks and developed proactive mitigation strategies to safeguard investments and align with strategic goals.
- Keeping abreast of industry trends, regulatory changes, and emerging market opportunities.
- Providing strategic advice and recommendations to improve investment outcomes and maximize returns.
Senior Corporate Dealer
3 Years 11 Months- Provide exceptional service to large corporate clients, focusing on the bank's strategic offerings in treasury, including FX, forwards, IRS, CIRS, FRA, plain vanilla options, option structures, and commodities markets.
- Generated consistent business growth towards departmental revenue targets by building long-term partnerships with clients and leveraging advanced product knowledge on commodities and financial markets.
- Enhanced department image through regular participation in live TV programs such as BILANS DNIA and RYNKI FINANSOWE on TVNCNBC, delivering financial market analysis.
- Participate in the Alior Project for Business, a currency platform for business clients, and manage the treasury aspects of the project.
- Participated in Alior Project for Business, a currency platform for business clients, managing treasury aspects to support client needs.
- Delivered training on treasury product functionalities and market applications, utilizing Microsoft PowerPoint and Excel to prepare advisors effectively.
Project Manager/Headhunter
2 Years- Led the "Doctors in the UK" project as a recruitment consultant and project manager.
- Led cross-functional teams to deliver healthcare projects on time and within budget.
- Implemented process improvements that enhanced project efficiency and reduced operational costs.
- Developed comprehensive project plans, ensuring alignment with organizational goals and stakeholder expectations.
Education
Financial Market Dealer Study ACI - Financial Markets, Trading & Treasury Operations
Small and Medium Business Management - Management, Entrepreneurship & Business Developmen
Commercial Law major
Skills
Payments Strategy & FinTech Product Leadership
Building and scaling digital payment solutions from concept to production
End-to-end payment lifecycle management: transaction processing
settlements
reconciliation and payouts
PSP selection
integration management and payment provider negotiations
Payment gateway integrations and optimisation of payment acceptance rates
Multi-currency wallets
FX platforms and digital financial services
Payment infrastructure design: API-first solutions
banking integrations and automation
Transaction routing
payment performance monitoring and optimisation
Fraud prevention
risk management
disputes and chargeback processes
Supplier and partner payout management
Financial reconciliation and operational process improvement
Payment KPIs definition and performance analytics
Data-driven decision making and business reporting
Product ownership: roadmap definition
prioritisation and agile delivery
Cross-functional leadership across Product
Engineering
Finance
Sales and Operations
Building and managing high-performing teams from the ground up
Commercial negotiations and cost optimisation
PSD2
Open Banking and payment regulations
Banking API integrations and fintech ecosystem knowledge
Languages
English
C1
Advanced
Polish
C2
Bilingual or Proficient
Timeline
Head of the Payments Department
Oanda Global Corporation
01.2018 - CurrentRead More
Manager of Payments Team
TMS Brokers
06.2016 - 01.2018Read More
Financial Markets Specialist
Raiffeisen Polska
01.2015 - 12.2016Read More
Executive FX Dealer/Project Manager
IFX (UK) Ltd
01.2014 - 12.2015Read More
Investing Manager
Lea Investments
06.2012 - 06.2015Read More
Board Member, Co-owner
Lea Clinic Sp. z.o.o.
02.2012 - 02.2026Read More
Senior Corporate Dealer
Alior Bank S.A.
01.2009 - 12.2012Read More
Project Manager/Headhunter
NES Healthcare
01.2006 - 01.2008Read More
Warsaw University Faculty of Law and Administration
Commercial Law major
Read More
Warsaw School of Economics
Small and Medium Business Management from Management, Entrepreneurship & Business Developmen
Read More
Warsaw Bank Institute
Financial Market Dealer Study ACI from Financial Markets, Trading & Treasury Operations
Read More
Hobbies
Climbing
Mountaineering
Board Game
Fintech
MTB