Ms Utnik-Karaś is an attorney-at-law, member of the Cracow Bar Association and a graduate of the University of Rzeszów, Faculty of Law and Administration. In 2025 she was recommended in the international ranking Legal 500 in the Banking and Finance category.
She specialises and practices within the field of financial markets law, including payment services law, banking law, new technologies law, anti-money laundering and counter financing of terrorism issues, as well as commercial companies law.
Ms Utnik-Karaś has extensive experience in advising banks, payment institutions and lending institutions, especially in regulatory consulting. She has delivered projects for financial market entities, including regulatory implementations and licensing proceedings before Polish and foreign regulators. She has realised numerous projects in the field of anti-money laundering and counter financing of terrorism within particular entities. She also has experience in representing clients before administrative authorities.
She has many years of experience in drafting and negotiating international contracts with foreign legal entities in the financial market, including derivatives and securities, gained in one of the world’s largest investment banks.
She also has experience in providing legal services to entrepreneurs and protection of consumer rights, gained in law firms, government administration bodies and non-governmental organisations.
Ms Utnik-Karaś has conducted trainings on intellectual property law, e-commerce and personal data protection as part of KRK Innotech Starter, Krakow Business Starter and Wroclaw Business Starter. She has also conducted many in-house training sessions on the market of trading in securities and derivatives.
She provides services in Polish and English.
Counsel, workshops and speeches
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2025
- "Client risk assessment in practice - methods, examples and best practices" - presentation at the AML - current trends and new obligations for financial institutions conference, organised by MMC Polska, October 2025.
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2023
- "Counteracting Money Laundering and Terrorism Financing" – Training for board members of a leading national payment institution, December 2023.
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2022
- "AML Requirements for Obliged Institutions – Client Relations" – Training for an entity in the foreign exchange sector, October 2022.
- "Cryptocurrency Exchange as an Obliged AML Institution" – Internal training for a cryptocurrency industry entity, September 2022.
We share knowledge by writing
- A. Utnik-Karaś (co-author), EU Regulation on Digital Operational Resilience in the Financial Sector (DORA). Commentary, eds. J. Byrski , J. Kurek-Sobieraj, Publisher C.H. Beck, Warszawa 2025
- A. Utnik-Karaś, "Nowe zasady odpowiedzialności dostawcy usług płatniczych w świetle projektowanego pakietu regulacyjnego", Monitor Prawniczy 9/2024 – dodatek.
- A.Utnik-Karaś (współautor), W. Grzywna (współautor), ‘’Obowiązki AML Officera wyznaczonego w podmiotach sektora finansowego związane z wdrażaniem procedur wewnętrznych w świetle nowych wytycznych EBA’’, Monitor Prawa Bankowego, nr 2023/02.