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Senior Associate

Aleksandra Billewicz

Languages
  • Polish
  • English
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Aleksandra Billewicz is a senior associate in Banking & Finance practice. She has extensive experience advising companies operating in the financial services sector, including from an in-house legal perspective. Her practice focuses on banking law, insurance distribution, payment services, mortgage and consumer credit, AML/CFT, regulated outsourcing, GDPR, ICT risk management and the EU Digital Operational Resilience Act (DORA).

Aleksandra advises on projects involving the implementation of cloud computing solutions and the use of artificial intelligence in the financial sector. She also supports financial institutions participating in working groups of the Polish Bank Association and the Polish Insurance Association, developing market standards for the implementation of legal and regulatory changes relating to outsourcing and DORA.

Her professional interests centre on emerging technologies, fintech and cybersecurity.
Before joining CMS, Aleksandra worked, among others, as in-house counsel at Expander Advisors sp. z o.o. (Allianz Group), at PwC Legal Poland, and as a secondment consultant at the European Investment Bank.

Relevant experience

  • Financial institutions on implementing regulatory changes arising from new legislation and KNF/EIOPA supervisory guidance, including IDD, PSD2, DORA, AML, the Mortgage Credit Act, cloud computing and regulated outsourcing.
  • Financial services providers on the design and implementation of processes and documentation for the distribution of financial products, including loans and insurance products, across branch-based and remote channels.
  • Payment services providers on preparing applications and internal documentation for licensing proceedings relating to small payment institutions (MIPs), national payment institutions (KIPs) and account information service providers (AISPs).
  • Conducting regulatory due diligence exercises for insurance distribution businesses on their regulatory frameworks, including identifying regulatory risks and recommending remedial actions.
  • Managing DORA implementation projects for financial institutions on arrangements with third-party ICT service providers and procurement procedures.
  • Polish Insurance Association (PIU) on the development of market standards for implementing DORA in the insurance sector.
  • Providing substantive support to the Polish Bank Association (ZBP) on regulatory changes relating to regulated outsourcing.
  • Representing regulated entities on KNF inspections concerning the distribution of financial services.
  • Delivering training sessions and workshops for financial sector clients on DORA, regulated outsourcing and the regulatory aspects of using AI in business.

Memberships & Roles

  • Warsaw Bar Association.

Education

  • Postgraduate degree in Cybersecurity management, Warsaw School of Economics, Poland.
  • Master’s degree in Law, Faculty of Law and Administration, Jagiellonian University, Poland.

Insights by Aleksandra

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