Michał Karwasiński is a legal adviser with over a dozen years of experience in the financial market, including regulatory advice and risk management. On a daily basis, he assists investment firms, investment fund companies and other financial institutions in properly fulfilling legal and regulatory requirements, and represents them before the Financial Supervision Authority. Clients appreciate the cooperation with Michał for his creative solutions, firmly rooted in the realities of the financial market and especially useful in the financial innovation industry. Michał is involved in financial market development projects, such as creating a regulatory environment for the fintech industry and financial instruments in the form of structured products. Before founding KSZ Smart Legal, Michał gained experience in a law firm specializing in the service of financial institutions, where for over 8 years he built up his competencies to serve the market of brokerage services, asset management and new technologies. Moreover, Michał worked for over 3 years as a Risk Manager in a bank investment fund company, acquiring practical skills in risk management. He started his professional career at the Polish Financial Supervision Authority, where he divided his time between analytical activities (financial supervision over brokerage houses) and legal activities related to co-creating regulations for the capital market and their application. While still a law student, he initiated the establishment of the association ConsuLex Law IT Consulting, the first student organization in Poland to provide free legal assistance to the indigent as well as business consulting services, affiliated with the European Confederation of Junior Enterprises. Michał is a graduate of finance at the Faculty of Management of the University of Warsaw and of law at the Faculty of Law and Administration of the University of Warsaw. He also completed his doctoral studies at the Faculty of Law and Administration of the University of Warsaw and a one-year course in American law at the Center for American Law Studies, co-organized by the University of Florida. He had the opportunity to acquire his managerial skills at the Management Centre Innsbruck in Austria, where he studied as an Erasmus grant holder. Michał’s scientific interests focus on financial market innovation – including innovative financial instruments. In his spare time, Michal is a fan of skiing and budget backpacking travels, he has already visited this way nearly 80 countries on all continents except Antarctica.