Samantha Jantos
Warsaw
Summary
Accomplished Legal Professional specializing in financial regulation and compliance within Banking and Investment Services. Expertise in MiFID II/MiFIR, EMIR, PSD2, and AML frameworks, with a proven ability to support product development and regulatory alignment. Demonstrated success in drafting contracts, designing internal procedures, and leading cross-departmental projects. Strong collaboration with supervisory authorities and coordination of multinational teams to drive strategic regulatory solutions.
Overview
9
9
years of professional experience
Work History
Senior Lawyer
XTB S.A.
12.2022 - Current
- Conducting comprehensive analyses of Polish and EU financial regulations, including MiFID II, MiFIR, EMIR delegated acts, and ESMA guidelines, particularly in relation to investment firms’ operations.
- Acting as a dedicated legal advisor to the Trading Department, providing ongoing legal support in contractual matters, new product development, and implementation of innovative trading solutions.
- Reviewing, drafting, and negotiating agreements with external contractors and service providers to ensure regulatory compliance, operational efficiency, and mitigation of legal risks.
- Designing, reviewing, and implementing internal procedures and compliance frameworks to ensure alignment with regulatory requirements and supervisory expectations.
- Providing legal coordination and oversight for cross-departmental and cross-functional projects involving the launch of new products and services, including assessment of legal risks and regulatory implications.
- Supporting 2nd line of defense (compliance controls) and contributing to the development of internal control mechanisms.
- Liaising with regulatory authorities and supervisory bodies, preparing responses to inquiries, and assisting in regulatory inspections.
- Cooperating closely with foreign branches of XTB to ensure consistent regulatory standards across jurisdictions.
- Offering guidance to junior team members and coordinating their work within project frameworks to ensure efficient legal support delivery.
Senior Consultant | FSI Risk & Regulatory Advisory
Deloitte Poland
09.2021 - 12.2022
- Providing regulatory and interpretative legal advice to banks, brokerage houses, and investment funds — including comprehensive legal analyses, opinions, workshops, training sessions, and responses to ad hoc queries — in implementation projects ensuring compliance with EU and national legislation (MiFID II / MiFIR, AML, GDPR, eIDAS, PSD2, SFTR, IDD, the Act on Trading in Financial Instruments, Banking Law, and regulations of the Minister of Finance).
- Conducting a compliance audit of a Fixing Participant’s adherence to WIBID and WIBOR fixing requirements.
- Designing and delivering AML compliance training for one of the largest Croatian banks, tailored to local legal requirements and internal policies.
- Assessing the suitability of Supervisory Board members in accordance with the methodology of the Polish Financial Supervision Authority (KNF) for one of Poland’s largest banks.
- Supporting an international bank’s Shared Service Centre in identifying and analysing new regulatory requirements across 45 jurisdictions, managing ownership assignments, liaising with process owners, and maintaining the central regulatory database.
Senior Specialist, Compliance Processes – Brokerage Division
mBank S.A.
01.2022 - 11.2022
- Providing ongoing legal and regulatory support to business units in connection with brokerage activities, ensuring compliance with applicable laws, supervisory authorities’ positions, and internal procedures.
- Actively participating in the practical implementation of regulatory requirements and guidelines issued by supervisory authorities and internal bank units.
- Coordinating and leading brokerage compliance projects, ensuring timely and effective delivery of regulatory objectives.
- Contributing to the drafting and review of internal regulations governing capital market activities, as well as coordinating the internal approval and legislative process.
- Preparing responses to inquiries and correspondence from supervisory authorities and other external entities related to the provision of brokerage services.
- Conducting internal controls and overseeing the implementation of post-control recommendations to strengthen compliance and operational effectiveness.
Associate | Banking & Finance
Bird & Bird
03.2020 - 08.2020
- Providing legal and regulatory support to financial institutions, including banks, lending companies, payment institutions, and FinTechs, in areas such as Banking Law, the Consumer Credit Act, PSD2, and AML regulations.
- Preparing, reviewing, and providing opinions on internal documentation required by applicable financial regulations, including credit agreements, internal policies, and commercial contracts.
- Drafting and compiling documentation for registration as an Account Information Service Provider (AISP) under the Payment Services Act.
- Preparing legal memoranda and analyses on Polish regulatory and licensing requirements (PSD2, Consumer Credit, AML) for foreign financial institutions planning to enter the Polish market.
- Conducting legal research and providing ad hoc advisory on financial regulatory matters.
Senior Consultant | FSI Risk & Regulatory Advisory
Deloitte Poland
09.2018 - 02.2020
- Provided regulatory and legal advisory to leading banks, brokerage houses, and insurance groups in Poland within the scope of EU financial regulations (MiFID II / MiFIR, EMIR, IDD).
- Led workstreams within MiFID II implementation projects for major financial institutions, including brokerage houses, ensuring compliance with product governance, investor protection, and reporting requirements.
- Conducted regulatory gap analyses and supported the development of internal procedures, compliance frameworks, and governance models for financial institutions.
- Delivered advisory on the safeguarding of clients’ assets in line with Polish and EU requirements, supporting both banks and investment firms.
- Participated in IDD compliance workshops for a leading insurance group, focusing on distribution and product oversight requirements.
Senior Consultant | FSI Risk & Regulatory Advisory
06.2017 - 08.2018
- Supported large-scale regulatory implementation projects (MiFID II, EMIR, IDD), providing legal interpretations, process documentation, and compliance recommendations.
- Assisted in developing internal documentation and control procedures for banks and brokerage houses to align with new EU regulatory frameworks.
- Conducted legal and regulatory research and prepared interpretative notes for internal and client use.
Intern | FSI Risk & Regulatory Advisory
12.2016 - 05.2017
- Assisted project teams in the implementation of MiFID II and EMIR requirements, focusing on investor protection, transaction reporting, and client asset segregation.
- Conducted comparative analyses of national and EU-level regulations and supported preparation of client presentations and workshops.
Education
Postgraduate Degree - Law in the Business of New Technologies
Lazarski University in Warsaw
Warsaw01.2023
Attorney - undefined
The Warsaw Bar Association
Warsaw01.2021
Masters Degree - Law
Cardinal Stefan Wyszyński University in Warsaw
Warsaw01.2016
Skills
- Interpretation of complex financial laws
- Contract drafting and negotiation
- Internal procedure design
- Leading cross-departmental projects
- Regulatory implementation oversight
- Analytical skills
- Coaching team members for effective project execution
- Effective problem-solving skills
- Effective communication with stakeholders
- Detail-oriented with a focus on accuracy
LANGUAGES
Polish
Native or Bilingual
English
Full Professional
Spanish
Elementary
Timeline
Senior Lawyer
XTB S.A.
12.2022 - Current
Senior Specialist, Compliance Processes – Brokerage Division
mBank S.A.
01.2022 - 11.2022
Senior Consultant | FSI Risk & Regulatory Advisory
Deloitte Poland
09.2021 - 12.2022
Associate | Banking & Finance
Bird & Bird
03.2020 - 08.2020
Senior Consultant | FSI Risk & Regulatory Advisory
Deloitte Poland
09.2018 - 02.2020
Senior Consultant | FSI Risk & Regulatory Advisory
06.2017 - 08.2018
Intern | FSI Risk & Regulatory Advisory
12.2016 - 05.2017
Postgraduate Degree - Law in the Business of New Technologies
Lazarski University in Warsaw
Attorney - undefined
The Warsaw Bar Association
Masters Degree - Law
Cardinal Stefan Wyszyński University in Warsaw
Disclaimer
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