Marcin Kwiek
Pre-legal Corporate Collections @American Express
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WORK HISTORY
Pre-legal Corporate Collections @American Express
High-Velocity Asset Recovery: Orchestrate the recovery of $20M+ in delinquent capital within a high-volume, metric-driven environment, specializing in the resolution of high-balance accounts for global corporate and small business entities.Enterprise-Level Loss Mitigation: Strategically salvaged hundreds of millions of dollars in bottom-line revenue by preventing high-risk accounts from entering formal litigation or total charge-off status through expert pre-legal intervention.Departmental Leadership & Coaching: Provide strategic oversight and professional coaching for a team of 10 specialists, driving departmental success toward aggressive KPIs, including a 70% Total Dollars Collected target and a 75% Forward Payer Rate.Forensic Financial Analysis: Execute deep-dive evaluations of corporate financial health, analyzing cash flow statements and balance sheets to determine insolvency risks and negotiate complex settlement structures.High-Risk De-escalation: Serve as the primary escalation point for high-risk, low-tenure accounts, utilizing advanced negotiation tactics to resolve disputes and secure commitments while maintaining brand integrity.Executive Reporting & Strategy: Synthesize complex departmental performance data and trend analytics into actionable briefings for Senior Leadership, influencing recovery strategies and operational workflows.Portfolio Integrity: Manage the end-to-end \"pre-legal\" lifecycle, ensuring all recovery efforts align with internal compliance standards and external regulatory requirements before moving to formal litigation.
EDUCATION
DePaul University
Bachelor's degree, Strobel Accounting
SKILLS
ABOUT MARCIN KWIEK
Pre-Legal Corporate Collections | Financial Analysis | Audit CPAHigh-stakes financial strategist with 13+ years of experience in audit, underwriting, and capital recovery. Currently driving the pre-legal collections strategy for multimillion-dollar corporate portfolios at American Express. I specialize in resolving complex delinquencies and securing high-value recoveries before they reach the litigation stage.My approach combines the forensic precision of a CPA with the negotiation grit required to manage global commercial accounts. By leveraging deep data analytics and financial accounting expertise, I transform stagnant receivables into liquidity, ensuring corporate compliance and mitigating long-term legal risk.Core Impact:Portfolio Recovery: Managing and recovering millions in outstanding corporate debt through strategic intervention.Financial Underwriting: Former SBA Underwriter with $150M+ in loans funded across 140+ clients (all 50 US states).Risk Mitigation: Identifying financial discrepancies and navigating complex regulatory environments to protect the enterprise.I thrive where finance meets law—delivering the accuracy, Polish/English fluency, and professional skepticism required to resolve the most challenging financial disputes.
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