Ms Utnik-Karaś is a graduate of the University of Rzeszów, Faculty of Law and Administration and member of the Cracow Bar Association, where she completed her attorney-at-law training and after passing the qualifying exam, she was registered as attorney at law.
She specialises and practices within the fields of payment services law, new technologies, commercial companies law and anti-money laundering and counter financing of terrorism issues.
Ms Utnik-Karaś has extensive experience in advising banks and payment institutions, especially in regulatory consulting. She has delivered projects for financial market entities including licensing proceedings before Polish and foreign regulators. She has realised numerous projects in the field of anti-money laundering and counter financing of terrorism issues, including regulatory implementations 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.
Ms Utnik-Karaś 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.
She 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.
Training sessions, workshops and speeches
- "Przeciwdziałanie praniu pieniędzy i finansowaniu terroryzmu" - szkolenie dla członków zarządu czołowej krajowej instytucji płatniczej, grudzień 2023.
- "Wymogi w zakresie AML wobec instytucji obowiązanej - relacje z klientami" - szkolenie dla podmiotu z sektora obrotu wartościami dewizowymi, październik 2022.
- "Kantor kryptowalut jako instytucja obowiązana AML" - szkolenie wewnętrzne dla podmiotu z branży kryptowalut, wrzesień 2022.
We share knowledge by writing
- 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.