According to the linkedin account of Mr. Karol Kozlowski, He is a former Senior Manager Credit Card (November 2014 - June 2017). I think Pawel Goch don't want to talk about fud and accusations so he didn't reply to your messages. I also wanted to know the proof of contacting ABLV bank that they had no employee named Karol Kozlowski, it's easy to make accusations here in the internet, i just want more proof to share with the community if it's legit or not. Thanks.