Sarah Kowalski
Licensing & Trust Analyst
Sarah Kowalski reviews online casino licensing and regulatory compliance. With 11 years analysing iGaming jurisdictions, she has audited operators under MGA, UKGC, Curaçao, Tobique and Anjouan licenses. Her verdicts focus on dispute resolution mechanisms, unfair clause detection, and what a license actually protects players from.
About Sarah
Sarah Kowalski is BestBonus.co.nz's Licensing & Trust Analyst. She holds a Master's in Regulatory Compliance and previously worked as a compliance officer for a Malta Gaming Authority B2C licensee before moving to independent casino review. Sarah has reviewed over 400 online casinos across NZ, AU, CA and EU markets, with a focus on parsing operator T&Cs for confiscation clauses, sole-discretion provisions, and dispute escalation paths. She tracks regulatory changes across the MGA, UKGC, Gibraltar, Curaçao GCB, Tobique, Kahnawake and Anjouan jurisdictions. Sarah's licensing assessments are cited across iGaming research. She's particularly vocal about the difference between a license existing and a license actually being enforced — and rates Tier-1 regulators (MGA, UKGC) substantially higher than light-touch jurisdictions in her trust scoring.
How we use this expertise
Sarah Kowalski signs off on every casino review in their domain before it ranks on BestBonus.co.nz. Rankings cannot be bought — scores reflect live testing, operator T&Cs, and what NZ players can realistically withdraw after bonuses and wagering.