KR Consulting
Turning strategy into action with hands-on expertise in digital products, process design, and transformation.
Coaching and mentoring the next generation of product leaders. Helping to build confidence, develop skills, and navigate the complexities of digital product management.
Work & Projects
Here’s a snapshot of the projects I’ve been involved in across various industries, including online gambling, fintech, and digital banking. Each project showcases my approach to solving complex challenges, driving digital transformation, and creating impactful products that meet both business goals and user needs. Take a look to see how I’ve turned strategies into tangible results.
About Me
I'm a product manager with a skill for connecting the dots across different areas of business - legal, compliance, operations, commercial, and tech development. I have hands-on experience in regulated industries like online gambling, fintech, and digital banking, having worked with leading companies such as FDJ United, Kindred Group, MTG AB, Identt, Vodeno, and Aion Bank. Throughout my career, I've collaborated on projects with various partners including Allegro, InPost, Metro Financial Services, UnitPlus, Dreams AB, and Expatrio. I build strategies that streamline digital identity, KYC processes, and digital transformation, focusing on delivering user-friendly, compliant solutions that maximize ROI and create seamless digital experiences.
However, it’s not just about the product for me. I’m passionate about coaching and mentoring, especially when working with young product managers and analysts. I create an open, collaborative environment where they feel empowered to learn, grow, and reach their full potential. My approach blends practical insights with hands-on guidance, helping emerging leaders build the skills and confidence they need to excel.Krzysztof Rusajczyk
Contact
Let’s connect! Reach out to discuss how we can address your problem, turn your ideas into action and drive real results together.
Digital Onboarding with eID (online gambling)Key Achievements:
- Fully digital onboarding with BankID in Sweden - Unibet was the first online gambling operator to implement Swedish BankID
- Fully digital onboarding and verification with mydigipass and itsme in Belgium - Unibet was the first online gambling operator to implement mydigipass and itsme
- Fully digital verification with Finnish eID (formerly TUPAS)
- Fully digital onboarding and KYC verification with iDIN in The Netherlands - Unibet was the first online gambling operator to implement iDINAs the Product Manager at Unibet Group and later Head of Onboarding at Kindred Group, I played a pivotal role in:- Identifying the need for eIDs integration.
- Collaborating with eID providers or appropriate eID/KYC aggregators and internal teams to develop a seamless onboarding solution.
- Defining product requirements and specifications.
- Coordinating due diligence process (security, procurement, etc)
- Overseeing the project timeline and budget.
- Ensuring compliance with regulatory standards.Objectives:
- Streamline the customer onboarding and KYC process.
- Reduce customer acquisition costs.
- Enhance customer satisfaction and experience.
- Ensure compliance with local regulatory requirements.
- Competitive advantage thanks to innovative approach.Challenges:
eID issuers acceptance, technical integration complexities, security concerns, and potential user adoption issues.Benefits:
Significant reduction in onboarding time, improved customer satisfaction, increased efficiency, and enhanced compliance.
By successfully implementing eID onboarding, Unibet and Kindred Group became a pioneer in the online gambling industry, setting a new standard for customer experience and regulatory compliance in local markets (Sweden, Finland, Belgium, Netherlands).More about Kindred GroupLinks:
Unibet & BankID Sweden - Press Release
Unbet & MyDigipass
Enhanced Due Diligence (EDD) - Affordability Checks OverviewJurisdiction: SwedenWe instituted a fully automated affordability and de-risking process, utilising taxable income data from trusted external source. This initiative was designed to align with the Swedish Gambling Authority (SGA) regulatory requirements and adhere to audit recommendations and best practices. The process is entirely digital, supporting both Anti-Money Laundering (AML) frameworks and Safe Gambling policies. Crucially, the design of this process was informed by extensive consultations with key stakeholders, including compliance, AML governance, safer gambling governance, commercial, UX, operations functions, player risk, and engineering teams.Jurisdiction: NetherlandsSimilarly, in the Netherlands, we developed a completely automated process based on an open banking framework to conduct source of wealth and affordability checks. This implementation is consistent with the good practices outlined by the Dutch Gaming Authority (KSA) and maintains a customer and business-friendly approach. As with the Swedish initiative, the development of this process involved a series of consultations with vital stakeholders across compliance, AML governance, safer gambling governance, commercial sectors, UX, operations, player risk, and engineering functions.Key Achievements
- Established a fully automated affordability process in Sweden, complying with SGA requirements.
Developed an open banking-based solution for affordability checks in the Netherlands, in line with KSA standards.
- Enhanced digital transformation initiatives supporting AML and Safe Gambling policies across both jurisdictions.Role & Responsibilities
As a driving force behind these initiatives, my responsibilities included:
- Identifying the necessity for robust affordability and de-risking measures.
- Collaborating with compliance teams and stakeholders to outline clear requirements and specifications.
- Overseeing project timelines and scope to ensure timely and quality-effective delivery.
- Ensuring that all processes adhered to local regulatory requirements, fostering trust and transparency.Objectives
The main objectives driving these projects included:
- Streamlining the customer EDD process, in this case affordability check
- Reducing customer de-risking costs through innovative, automated solutions.
- Elevating customer satisfaction by creating user-friendly experiences.
- Ensuring rigorous compliance with regional regulatory frameworks to mitigate risks.
- Gaining a competitive edge in the marketplace through advanced technology integration.Challenges
Challenges encountered throughout these initiatives included:
- Gaining acceptance from all key stakeholders and navigating the complexities associated with delivery.
- Addressing compliance and operational concerns related to the process
- Overcoming potential user adoption issues for new technologies in the market.Benefits
- A notable reduction in verification time, enabling a faster and more efficient customer experience.
- Improved levels of customer satisfaction driven by streamlined processes.
- Increased operational efficiency leading to lower overhead costs.
- Strengthened compliance with regulatory standards, significantly reducing potential risks.More about FDJ United
Key Achievements:
- Fully mobile and digital onboarding to Aion Bank in PolandAs the Head of Onboarding at Aion Bank, I played a pivotal role in:- Overseeing the entire onboarding process and its development, by managing scrum dev team (technical PO, analyst, front-end and back-end developers, QA / testers)
- Collaborating with internal teams (FinCrime, security, compliance, legal, commercials, marketing, procurement, product, customer support) and external partners to develop a seamless onboarding solution.
- Ensuring compliance with regulatory standards.
- Managing the technical integration of various onboarding tools and systems.Objectives:- Streamline the customer onboarding process to improve user experience and reduce friction.
- Accelerate customer acquisition by reducing onboarding time and complexity.
- Enhance security and mitigate fraud risks.
- Ensure compliance with Polish regulatory requirements.Challenges:
- Technical integration complexities, security concerns, and potential user adoption issues along with regulatory compliance constrainsBy successfully implementing a streamlined and fully mobile and digital onboarding process, Aion Bank improved its customer acquisition and onboarding experience, setting a new standard for digital banking in Poland.More about Aion Bank PL
Key Achievements:
- Compliance and efficient onboarding process for all relevant parties of the business use case scenarioObjectives:
- Streamline the SME onboarding process to improve user experience and reduce friction.
- Accelerate SME acquisition by reducing onboarding time and complexity.
- Ensure compliance with Polish regulatory requirements.As the Head of Onboarding and Stream Leader at Vodeno, I played a pivotal role in:
- Overseeing the entire SME onboarding process.
- Managing dedicated team (technical PO, analyst, front-end and back-end developers, QA / testers)
- Collaborating with InPost Pay and internal teams to develop a seamless onboarding solution.
- Ensuring compliance with regulatory standards.
- Managing the technical integration of various onboarding tools and systems.Challenges:
- Technical integration complexities, security concerns, and potential user adoption issues.
- Time constrain and frequently changed requirements and scope of the projectMore about InPost Pay
Industry: FintechProject: Streamlined Digital Onboarding for Dreams AB (Sweden)My Role: As Head of Onboarding and Stream Leader at Vodeno, I played a pivotal role in developing and implementing a streamlined onboarding solution.Challenge: Creating a compliant and user-friendly onboarding process that addresses both customer and business needs. Technical integration complexities across different systems, adapting the onboarding experience to meet Swedish regulations, potential user adoption issues specific to the Swedish market.Objectives:
- Enhanced User Experience: Design a seamless and user-friendly onboarding journey for Swedish individuals.
- Reduced Onboarding Time: Streamline the process to significantly decrease onboarding time and improve customer satisfaction.
- High Efficiency: Boost operational efficiency by minimising manual inputs and process steps.
- Regulatory Compliance: Ensure strict adherence to all relevant Swedish KYC/AML regulations.Key Activities:
- Oversaw the development of a customised onboarding experience tailored to Dreams AB's needs and the Swedish market.
- Fostered collaboration with internal Vodeno teams and Dreams AB to design a user-centric onboarding flow.
- Ensured compliance with Swedish KYC/AML regulations throughout the onboarding process.
- Managed the technical integration of various onboarding tools and systems within the Vodeno Cloud Platform.Benefits:
- Significant reduction in onboarding time, leading to faster customer acquisition.
- Improved customer satisfaction through a user-friendly onboarding journey.
- Increased operational efficiency with streamlined processes. - Enhanced security and compliance with Swedish regulations.More about GetDreams
Industry: Financial ServicesProject: Streamlined Onboarding for Metro Financial Services (Germany)Challenge: Metro Financial Services faced a slow and complex onboarding process for German freelancers and SMEs, hindering business account activation and growth.My Role: As Head of Onboarding and Stream Leader at Vodeno, I led the development of a streamlined onboarding solution.Objectives:
- Faster Onboarding: Streamline the process for quicker business account activation.
- Improved User Experience: Design a user-friendly onboarding journey for German freelancers and SMEs.
- Increased Efficiency: Reduce manual verification steps to boost operational efficiency.
- Regulatory Compliance: Ensure adherence to all relevant German KYC/AML regulations.
Challenges:
- Technical integration complexities, adapting the flow to German regulations, potential user adoption issues.
Benefits:
- Significant reduction in onboarding time, improved customer satisfaction, increased efficiency, enhanced security, and better compliance with German regulationsMore about MetroFS
Project: Digital Identification and Verification for Pay Now Buy Later
Industry: Fintech / MarketplaceClient: Allegro (Poland)Challenge:
- Allegro, a leading online marketplace in Poland, needed a secure and efficient digital identification and verification process for its BNPL (Pay Now Buy Later) product.My Role:
As Head of Onboarding and Stream Leader at Vodeno, I led the development and implementation of this solution.Objectives:
- Streamline the identification and verification process for Polish individual customers.
- Ensure compliance with Polish KYC/AML regulations.
- Enhance security and mitigate fraud risks.
Key Activities:
- Design and implementation of a secure and efficient digital identification and verification process tailored to Allegro's specific requirements.
- Collaboration and consultations with internal Vodeno teams and Allegro to ensure compliance with Polish regulations and business needs
- Management of the technical integration of various onboarding tools within the Vodeno Cloud Platform.Challenges:
- Technical integration complexities, adapting the flow to Polish regulations, potential user adoption issues.
Results: This project demonstrated my ability to deliver effective solutions that meet both business and customer needs within specific regulatory frameworks.More about Allegro Group
Digital Onboarding to Expatrio (Visa Essentials for Germany)
Key Achievements:
- Fully digital onboarding for international users seeking visa-essential services for Germany.
- Seamless integration of Blocked Account, Health Insurance, and Free German Bank Account into one application flow.
- Streamlined onboarding flow available worldwide - accessible even before users arrive in Germany.My role: As Head of Onboarding and Stream Leader at Vodeno, I led the design, development, and rollout of Expatrio’s digital onboarding solution. My role encompassed:
- Defining the onboarding architecture and user journey across product lines.
- Coordinating across cross-functional teams (product, design, legal, compliance, engineering).
- Ensuring regulatory alignment with German KYC and AML requirements.
- Driving solution development with a focus on scale, accessibility, and international usability.Objectives:
- Deliver a fully digital onboarding experience for expats before arriving in Germany.
- Reduce friction in acquiring mandatory documents such as Blocked Accounts and Health Insurance.
- Improve user satisfaction and conversion through an intuitive, guided application process.Challenges:
- Navigating compliance with German banking and insurance regulations across user jurisdictions.
- Creating a scalable, x-platform (channel) onboarding experience for diverse user profiles.
- Managing cross-border KYC and data security requirements.Benefits:
- Accelerated onboarding process
- Increased user satisfaction through a guided, transparent, and efficient onboarding experience.
- Enhanced operational efficiency through automation and optimised workflows.
- Stronger market position for Expatrio as a trusted, digital-first solution for moving to Germany.By leading this initiative, Vodeno helped Expatrio redefine how visa applicants prepare for relocation, making the onboarding experience a competitive differentiator in the digital relocation space.More about Expatrio
Digital Onboarding for Banking-as-a-Service (BaaS)
Key Achievements:
- Development of a secure, fully digital onboarding product for individuals and SMEs.
- Full compliance with AML/KYC banking regulations across multiple jurisdictions: Belgium, Poland, Germany, Sweden
- Product support for diverse banking and fintech use cases including current and savings accounts, payment cards, loan applications, and Buy Now, Pay Later (BNPL).
- Digital onboarding flows made available across both web and native mobile platforms.
- Successfully deployed in multiple markets, enabling scalable onboarding for banks and fintechs.
As Head of Onboarding, I led the creation and delivery of this multi-jurisdictional onboarding product, built on a modern Banking-as-a-Service (BaaS) cloud platform. My responsibilities included:
- Defining and managing the product strategy and roadmap, with a focus on regulatory compliance and customer experience.
- Leading a cross-functional Scrum team of Product Owners, business and technical analysts, front-end and back-end developers, and QA testers.
- Translating regulatory requirements into functional product features.
- Overseeing delivery across web and mobile channels, supporting different customer types (retail and SME).
- Aligning technical and business stakeholders across different European markets.Objectives:
- Deliver a remote-first onboarding solution that is fully digital and secure.
- Enable financial institutions to scale quickly in different jurisdictions with minimal local customisation.
- Ensure compliance with all relevant AML/KYC and data privacy regulations.
- Support a wide range of use cases and customer segments from day one.
- Provide seamless integration into fintech and banking ecosystems.Challenges:
- Navigating the complex regulatory environments across multiple countries.
- Building scalable components that could flex to local legal and UX expectations.
- Balancing compliance requirements with user experience across B2C and B2B onboarding.
- Managing dependencies across distributed teams and aligning multiple internal stakeholders.Benefits:
- Drastic reduction in time-to-market for launching compliant digital onboarding in new regions.
- Increased efficiency and reduced operational costs through reusable, modular components.
- Enhanced customer satisfaction through fast, frictionless onboarding flows.
- Stronger market readiness for fintechs and banks looking to launch in multiple countries.By delivering this product, we enabled financial institutions to offer seamless, compliant onboarding experiences to both individuals and SMEs - a critical foundation for any modern digital banking proposition in Europe.More about Vodeno